Best RV Insurance Companies of 2026

A median total of 350,100 new RVs is estimated to ship in 2026 alone. Unfortunately, there are approximately 76,000 RV accidents every year. Because of their size, handling, and other features, RVs have a higher risk of collisions and other incidents on the road than standard vehicles. That makes having RV insurance even more critical. 

RV insurance blends liability coverage, collision coverage, comprehensive coverage, roadside assistance coverage, and others, depending on your policy. It's imperative for RV owners to consider fleshing out their policies to cover all potential risks that come along with operating a large motorhome.

We're hoping to make your coverage journey easier with our list of the Best RV Insurance Companies of 2026. Our top picks for the best motorhome insurance companies consider all the coverages RV operators need most, as well as financial strength and other factors customers seek in a trusted carrier, including discount options.

InsuredBetter's list of top picks for RV insurance also considers each carrier's pros and cons. If you're still in need of a policy, an independent insurance agent can help you find coverage for your unique motorhome today. These agents can compare multiple carriers across all the RV insurance companies reviewed on this page. But until then, check out our top recommendations for the top RV insurance companies that sell the best RV insurance in 2026.

What Sets RV Insurance Apart from Car Insurance

RV insurance is different from standard auto insurance because RV policies must address that these unique vehicles double as temporary or even permanent residences. As such, RV policies blend car insurance and homeowners insurance protection. A motorhome insurance policy addresses both road liability and living-space coverage.

Class A, B, and C motorhomes require their own specific liability policies in most states because they are drivable vehicles. However, towable trailers are typically covered under the towing vehicle's liability coverage. An independent insurance agent can help you get set up with the right types of RV coverage.

The Best RV Insurance Companies of 2026

Who has the best RV insurance? We're here to help answer that question. We ranked our best RV insurance companies in 2026 based on several criteria. The top RV insurance companies are determined by a carrier's customer satisfaction, policy options, and more. 

Find our rankings for the best insurance companies for RV owners across several specific categories below.

• Best RV insurance overall: Progressive RV Insurance
• Best RV insurance for diversity of coverage options: Allstate RV Insurance
• Best RV insurance for auto and RV bundle: National General RV Insurance
• Best RV insurance for part-time RVers: National General RV Insurance
• Best RV insurance for full-time RVers: Good Sam Insurance Agency RV Insurance
• Alternate best RV insurance for full-time RVers: Roamly RV Insurance
• Best RV insurance for policy discounts: Nationwide RV Insurance
• Best RV insurance for customer service: The Hartford RV Insurance

Best RV insurance overall: Progressive RV insurance

Pros and cons:

Pros:	Cons:
Offers full-time RV coverage	Total loss replacement coverage isn't available in every state
Offers coverage for all types of RVs and motorhomes
Offers a ton of discount options

Our choice for the best RV insurance company overall goes to Progressive RV Insurance. The insurance company got its start way back in 1937 and has excellent "A+" ratings from both AM Best and the Better Business Bureau (BBB). Progressive also has a lower NAIC complaint ratio compared to many other carriers. 

Progressive's extensive coverage catalog includes many types of personal and business coverage, including RV insurance. The carrier also offers many discount options on RV insurance and other coverages. Accident forgiveness coverage is available for claims less than $500. Progressive's RV insurance policies are available in almost every state, except for Washington and Hawaii.

Full-time and part-time RVers alike can find the coverage they need through Progressive. We love that the carrier offers more policy options and features than most competitor RV insurance companies. With Progressive's RV insurance, you can get the added perks of pet injury coverage and accident forgiveness at no extra charge, which puts the carrier ahead of the rest. 

Progressive also offers pest damage protection as a standard policy benefit rather than an add-on, a perk most competitors lack.

Customers in need of coverage can get fast online quotes for any kind of motorhome, including fifth wheel and pop-up tent trailers or campers, as well as Class A and many others. All these perks combined easily grant Progressive the top spot on our list of the best RV insurance companies in 2026.

Best RV insurance for diversity of coverage options: Allstate RV insurance

Pros and cons:

Pros:	Cons:
Offers full-time RV coverage	Policy information isn't well fleshed out on the official website
Offers discounts for completing an approved RV safety course	Many competitors offer more RV insurance discounts
Offers a wide range of coverage options

Our choice for the best RV insurance for a diversity of coverage options goes to Allstate RV Insurance. Allstate offers the standard RV insurance coverage options you'd expect to find but provides many additional options as well. These include such options as tow bar coverage, vacation liability insurance, emergency expense coverage, and pet coverage. 

Another major perk of Allstate is its full-timer RV liability insurance, an important coverage not offered by most RV insurance carriers. Allstate also offers roof protection coverage, which extends to wear-and-tear damage, a feature most competitors don't offer.

Allstate offers discounts for RVers who complete approved safety courses. However, other carriers seem to offer a longer list of discounts than Allstate. Still, Allstate offers savings for customers who are homeowners and/or are married, go paperless, or pay their premiums in full. Overall, Allstate ranks highly in our RV insurance coverage comparison.

Best RV insurance for auto and RV bundle: National General RV insurance

Pros and cons:

Pros:	Cons:
Offers a 20% discount for bundling auto insurance and RV insurance	Some poor customer service reviews
Bundled policies are covered under a single deductible
Online quotes available

Our choice for the best RV insurance for auto and RV bundle goes to National General RV Insurance. National General allows customers to bundle their RV insurance and auto insurance together for a 20% discount on each coverage if both are purchased through the carrier. 

Bundled policies also share a single deductible, which is a practical benefit for RVers who tow their rig behind another insured vehicle. These advantages helped National General claim the top spot in our best RV insurance for bundling category.

Another advantage of National General's bundling deal is that customers can enjoy a single deductible for both their RV insurance and car insurance. If there's an accident that involves both a customer's RV and another insured vehicle, they only have to pay one deductible and file a single claim. Considering many RVers may tow their motorhomes behind another vehicle, this can be an extremely beneficial perk.

National General also allows customers to obtain easy and fast online quotes. In many cases with RV insurance, customers must speak to an insurance company rep or agent directly to obtain a quote. But if you want to get an idea of how much you can save on RV insurance through National General, just hop online and have details about your location and your RV's make and model on hand.

One potential drawback of National General's RV coverage is that policies are only offered for Class A and Class C motorhomes. National General does not currently offer policies for Class B campervans.

Best RV insurance for part-time RVers: National General RV insurance

Pros and cons:

Pros:	Cons:
Offers purchase price guarantee coverage	Only offers coverage for Class A, Class C, and toterhome motorhomes
Allows customers to pause their coverage when not using their RVs	Policy information isn't well fleshed out on the official website

Our choice for the best RV insurance for part-time RVers goes to National General RV Insurance. We love that National General allows customers to temporarily pause their collision coverage, but keep their comprehensive coverage, while they're not using their RVs. This ability isn't offered by most carriers, which leaves customers having to continue to pay their premiums even while their motorhomes are stored. 

Since part-time RVers by definition don't use their motorhomes for more than six months out of the year, they can save as much as 50% or more on their coverage by getting a policy through National General.

Another huge perk is National General's purchase price protection add-on. This coverage can pay to replace your RV up to its original purchase price if it gets totaled by a covered event. Customers can add this coverage to their policies within their RVs' first nine model years. 

However, one drawback of National General to note is that the carrier doesn't offer coverage for all types of RVs. The carrier only offers policies for Class A and Class C motorhomes, as well as toterhomes. Class B camper vans are not covered.

Our runner-up for the best part-timer RV insurance is Good Sam. Good Sam offers a seasonal storage discount of up to 53% for part-time RVers. An independent insurance agent can help you compare each carrier's RV insurance discounts to make an informed choice. 

Best RV insurance for full-time RVers: Good Sam Insurance Agency RV insurance

Pros and cons:

Pros:	Cons:
Offers coverage for all types of RVs and motorhomes	Not a direct insurance company, but an insurance agency
Offers RV insurance in Mexico	Mixed customer reviews of the roadside assistance coverage

Our choice for the best RV insurance for full-time RVers goes to Good Sam Insurance Agency RV Insurance. It can be difficult to find coverage if you're a full-time RVer, but Good Sam makes this possible. 

The insurance agency offers customizable policies for "full-timers," or those who use their RV as their permanent residence, including personal belongings coverage, liability coverage, emergency expenses coverage, and medical payments coverage. Just keep in mind that Good Sam is an insurance agency rather than a carrier, so you'll find its products distributed by carriers such as Progressive, Liberty Mutual, and National General.

We also love that Good Sam offers its products to customers in Mexico. The insurance agency also provides many discount options, including those for insuring multiple vehicles and for paying your premiums in full. No matter what kind of RV you have, you can likely find a full-time RV insurance policy underwritten or distributed by Good Sam Insurance Agency. For a closer look at full-timer coverage options and costs, see our full-time RV insurance guide.

Alternate best RV insurance for full-time RVers: Roamly RV insurance

Pros and cons:

Pros:	Cons:
Offers tailored full-timer coverage	Limited discount transparency
Offers custom coverage for custom builds and short-term rentals
Coverage is available in all states except Hawaii

Our alternate choice for the best RV insurance for full-time RVers goes to Roamly RV insurance. Roamly is a specialized option for full-time RVers and offers homeowners-style protection, including HOA loss assessment coverage, adjacent structures coverage, personal liability coverage, and options for custom builds and short-term rentals.

Roamly's RV insurance policies are underwritten by trusted names in the industry, including Allstate, Liberty Mutual, Foremost, and National General. Roamly's policies are available in all states nationwide, except for Hawaii. Roamly can also shop quotes from multiple insurers on your behalf, similar to an independent insurance agent. 

Best RV insurance for policy discounts: Nationwide RV insurance

Pros and cons:

Pros:	Cons:
Offers a long list of discounts	Doesn't offer online quotes
Offers towing coverage that includes meals and lodging expenses	Not many optional coverages offered

Our choice for the best RV insurance for discounts goes to Nationwide RV Insurance. Nationwide provides a long list of RV insurance discounts for customers with multiple vehicles or multiple policies, as well as for those who pay their premiums in full, already have another policy through the carrier, are good drivers, or have completed an approved RV safety course. 

You can also get a discount through Nationwide if you have an RV association membership, such as through the National RV Association.

Another major perk of Nationwide's RV insurance is its outstanding towing and roadside assistance coverage. It includes coverage for other emergency expenses such as transportation, towing, lodging, and meals. Further, customers are able to order roadside assistance services via the carrier's mobile app and get real-time status updates right on their phones. 

One disadvantage of going through Nationwide is the lack of online quotes. Customers must contact the carrier directly or ask their independent insurance agent for a quote.

Best RV insurance for customer service: The Hartford RV insurance

Pros and cons:

Pros:	Cons:
Offers competitive discounts	No storage discounts offered
Offers online quotes	Coverage is only available to AARP members in most states
Highly rated by J.D. Power

Our choice for the best RV insurance company for customer service goes to The Hartford RV Insurance. The Hartford ranks at the top of the pack for customer service. 

In recent years, The Hartford has received multiple top rankings for overall customer satisfaction from J.D. Power. The insurance company receives consistently good customer feedback and has excellent "A+" ratings from both the BBB and AM Best.

Customers can also easily obtain online quotes for coverage through The Hartford. However, one drawback to the carrier's RV insurance is that coverage is only available to AARP members in most states. Additionally, The Hartford doesn't currently offer off-season storage discounts.

How RV Insurance Costs Compare by Class

RV insurance coverage costs vary depending on the type of motorhome you have. For example, Class A motorhome insurance costs an average of $600 to $3,000 per year. Class B motorhome insurance costs range from $480 to $1,000 per year, and Class C motorhome insurance costs $540-$1,500 per year. 

Trailers are typically less expensive to insure. Travel trailer and camper insurance typically ranges from $180 to $1,000 per year, while pop-up camper insurance typically costs between $200 and $550 per year. 

Full-time living in your motorhome adds an average of 40%-100% to your policy's premium compared to recreational use. Further, paying your premium annually can help you earn a paid-in-full discount averaging 3%-8%. An independent insurance agent can help you compare motorhome insurance costs and find the most affordable RV insurance policy.

Best RV Insurance Carrier Comparison

When comparing RV insurance company ratings, it's helpful to see them laid out side by side. The table below breaks down our 2026 RV insurance coverage comparison by top carrier.

Carrier Name	Best For	Full-Timer Coverage?	Online Quotes?	AM Best Rating	Notable Included Features	Notable Discounts
Progressive	Overall RV insurance	Yes	Yes	A+	Pest damage protection, accident forgiveness	Multi-policy, advance quote, original owner, etc.
Allstate	Diverse coverage options	Yes	Yes	A+	Roof protection for wear-and-tear damage	Homeowner, advance quote, pay-in-full, etc.
National General	Auto and RV bundles; part-time RVers	Yes	Yes	—	Purchase price guarantee	Multi-policy, seasonal storage, diminishing deductibles, etc.
Good Sam	Full-time RVers	Yes	Yes	A-	Liability, personal belongings, emergency expenses, medical payments	Multi-policy, multi-product, pay-in-full, etc.
Roamly	Full-time RVers	Yes	Yes	Not rated	Loss assessment, adjacent structures, custom builds, short-term rentals	No specific discounts advertised
Nationwide	Discounts	Yes	No	A	Towing and roadside assistance	Multi-policy, pay-in-full, continuous coverage, etc.
The Hartford	Customer service	Yes	Yes	—	Total loss settlement, extra expense	Pay-in-full, safety course, etc.

What RV Insurance Covers

RV insurance policies typically include the following types of coverage:

• Liability: This covers third-party bodily injuries and property damage you cause with your RV. This coverage is mandated in most states. 
• Collision: This pays for damage to your RV from a collision with another object, regardless of fault. 
• Comprehensive: This pays for damage to your RV due to a non-collision event, such as a flood or theft. 
• Uninsured/underinsured motorist: This covers the cost of repairs and other expenses when you're hit by a driver without any or adequate insurance of their own. It also covers you if you're the victim of a hit-and-run accident.
• Medical payments: This covers the cost of medical bills for you and your passengers after an accident, regardless of fault.

The following types of optional coverage are also available:

• Personal effects/personal property: This covers your personal belongings, such as clothing, electronics, etc., kept on board your RV against theft, vandalism, fire, and more.
• Total loss replacement: This pays to replace your RV with a new one of a similar model and model year after a covered total loss.
• Emergency expenses: This covers hotel stays, takeout meals, transportation, and other costs if your RV becomes uninhabitable during a trip.
• Vacation liability: This covers third-party bodily injuries and personal property damage that occurs while your RV is parked and used as a temporary residence at campsites. 
• Roadside assistance: This covers the cost of towing and other professional services if your RV breaks down on the road.
• Pet injury: This covers injuries that your pets suffer while riding in your RV.
• Mexico physical damage: This covers collisions and other physical damage incidents that occur while driving your RV in Mexico.

An independent insurance agent can provide a more detailed RV insurance coverage comparison. They'll help you get set up with all the types of RV coverage you need.

What RV insurance doesn't cover

The following perils are typically not covered by RV insurance:

• Normal wear and tear
• Mechanical breakdowns (without RV breakdown insurance)
• Mold or fungi 
• Commercial use (without commercial auto insurance)

Your independent insurance agent can help you fill any coverage gaps left by your RV insurance with additional endorsements or separate policies.

How to Choose the Right RV Insurance

Wondering how to choose RV insurance the right way? Just follow these easy steps:

1. Determine your RV type and class: You'll need different coverage for a Class A, B, or C motorhome.
2. Assess full-time vs. part-time use: Full-timers will need full-time RV insurance, while part-timers can get standard recreational coverage in a standard RV policy.
3. Review state requirements: Be sure to buy enough coverage to meet your state's minimum liability coverage for motorhomes.
4. Compare carrier discount programs: Each RV insurance company offers different discounts. Compare their offerings online or with the help of an independent insurance agent.
5. Get quotes from multiple carriers: An independent insurance agent can access multiple carriers in your area and compare quotes from all the options reviewed on this page.

Work with a local independent insurance agent to compare RV insurance quotes to find the best rate and coverage options for you and your unique motorhome.

How We Select the Best RV Insurance Companies

We evaluated RV insurance companies based on several criteria and applied a calculated methodology to create our list of top carriers across several categories. More than a dozen RV insurance carriers were evaluated in terms of pros and cons, including the overall website, coverage options, discounts and benefits, coverage rates, online quote availability, AM Best rating and financial strength, customer satisfaction (J.D. Power ranking and NAIC complaint index), online quote accessibility, full-timer vs. part-timer policy options, and history in the insurance industry. 

We compared these categories across direct carriers and insurance agencies. We assessed combined carrier reputation and RV insurance options and prices to craft our list of top picks for providers in each category above. 

FAQs About the Best RV Insurance Companies