to determine the best recreational vehicle rv insurance companies in 2022 we at the home media reviews team conducted an indepth study of the camper insurance industry and its top providers while several insurers emerged as recommendable choices for rv coverage we name progressive our editor’s choice this year in this roundup of the top camper insurance companies we also take a look at some of the typical costs and coverages you’ll find discover more about rv insurance and see which other companies make our list of recommendations for 2022 what we like about progressive progressive beat out the other providers due primarily to its range of coverage options and discounts both show that the company understands the rv lifestyle and what rvers want from their insurance policy just like it does with its boat insurance progressive provides policyholders with truly useful specialty coverage options and savings opportunities   roof protection plus®  covers damage to your rv’s roof which is one of the most common sites of problems on a camper your rv must be less than six years old to be eligible for this coverage   pest damage protection covers damages from nondomesticated animals such as rodents birds or insects only rvs fewer than six years old are eligible   prompt payment  progressive discounts your first payment when you make it on time you’ll receive this discount as long as you continue to make your payments in a timely manner   original owner you can get a discount if you’re the first owner of your camper and purchase comprehensive and collision coverage offers rv coverage for travelers from the us while in mexico membership includes discounts on campsites and more what we like about good sam the good sam insurance agency is a broker rather than a direct provider of rv insurance the agency works with some of the most trusted names in the industry including several on this list to find the right coverage for its customers’ needs travelers looking to head south of the border should especially consider the company as it’s one of only a few that specializes in rv coverage in mexico   fulltimer  this covers your rv if you use it as your primary residence   emergency expenses part of your accommodation costs and more will be covered if your rv breaks down and interrupts your travel plans   storage option  if you store your rv for an extended period of time you can get a discount on your policy however your rv will not be covered if it’s damaged outside its storage location during this period   antitheft good sam offers a discount on your policy if you install antitheft devices such as alarms not all coverage available in all states no coverage for vehicles over 500000 what we like about geico while the provider offers a wellrounded portfolio of camper insurance products geico’s reputation for customer service across the greater insurance industry is what makes it stand out with policies and addons that work well for both fulltime rvers and recreational campers most rvers can find what they need at geico   special windshield deductible  you’ll get windshield repairs for free and replacements for a 50 deductible   replacement cost personal effects this covers the full replacement cost of damaged or stolen personal belongings policies include between 1000 and 5000 of personal effects coverage but coverage limits of up to 100000 are available with policy addons   commercial driver license cdl  drivers who have a cdl are eligible for a discount on geico rv insurance   defensive driving course you can get a discount on your rv policy if you complete an approved defensive driving course website doesn’t have an online quote tool what we like about nationwide nationwide offers a quality selection of coverage options for all rvers but the company should be on the radar of any fulltimer looking for camper insurance with the options available people who use their rv as their primary residence can find coverage for almost any situation a good selection of discounts helps make that coverage even more affordable   vacation liability  this covers medical expenses and property damage to other parties from your camper while it’s parked for example if your rv catches fire at a campground and damages an adjacent camper the vacation liability coverage addon will cover that   towing and labor the cost of towing your vehicle and onsite labor if it breaks down on the road will be covered nationwide’s towing and labor package includes trip interruption coverage to help take care of lodging and food expenses if your rv breaks down   rv safety course  completing an approved rv safety course can earn you a policy discount at nationwide   rv association if you belong to an rv club or owners association you’ll be eligible for a discount not as many discounts as many other insurers what we like about allstate allstate has one of the larger selections of coverage addons that we saw in our study with great insurance options for both fulltime and parttime rvers the provider is one of several that includes rv coverage in its multipolicy discount making it a good choice for bundling with pet insurance included in standard policies people who bring their furry friends camping or living with them will want to consider allstate although all rv policies are underwritten by allstate note that the company provides its rv coverage through national general which is owned by allstate   tow bar  this covers your tow bar which often isn’t covered under rv policies if damaged in an accident   fulltimer liability your liability claims on your rv are covered if you use it as your residence for more than six months out of the year similar to a homeowners policy   married discount  you can get a discount if you add your spouse to your rv policy   paperless save on your coverage when you choose to get your bills via email rather than by physical mail what we like about state farm as the country’s largest insurer it’s no surprise that state farm offers quality rv coverage in every insurance category the prevalence of inperson offices with helpful local insurance agents is one of the company’s biggest strengths that’s also true when it comes to rv insurance people who have other policies with state farm or prefer to do insurance business in person will want to take a look at the company   personal articles  this covers anything that isn’t permanently attached to your rv such as jewelry medical devices computers and more   roadside assistance  various emergency roadside services are covered such as fuel delivery or flat tire replacement for rvs state farm’s website suggests that not all vehicles are eligible for this coverage insurance for rvs works more or less like most insurance products you pay a premium in exchange for liability property and medical coverage in the event of a covered accident or other source of damage your insurer will pay to cover costs related to the damage in accordance with the coverage and limits set in your policy the cost and specifics of your coverage depend largely on the type of rv you want to insure there are several types of rvs but they break down into two main categories towables and drivables rvs in the towable category don’t have their own motor and instead need to be pulled by a towing vehicle towable rvs come in a wide range of sizes and trim levels and can vary widely in the number of features they include here are the main types of towables   teardrop trailers  named for their unique streamlined shape teardrops are usually the smallest of the towable rvs   popup campers  true to their name these campers can pack down for easy towing and pop up when parked to provide a full living space   toy haulers  made for people who like to mix outdoor sports with rving these campers feature plenty of storage space for items like surfboards or even other vehicles like atvs   truck campers  these campers sit in the bed of a pickup truck and often feature a living space that can include a kitchen dining area restroom and bed   travel trailers  these trailers offer a nice balance of living space and maneuverability and vary widely in terms of amenities   fifthwheel trailers the largest of the towable category fifthwheel trailers get their name from the special towing apparatus that’s required to pull them they’re often some of the most luxurious and wellappointed rvs on the road often called “selfpropelled rvs” drivable rvs are mounted onto a vehicle chassis with its own motor the chassis can typically range from a passenger van chassis to a motor coach chassis here are the main types of drivable rvs   class a motorhomes  typically the largest and most wellappointed of drivable rvs class as are essentially the road equivalent of a yacht you’ll often find luxury amenities similar to those you may find in upscale homes   class b motorhomes  these camper vans are often the smallest of the drivables despite their name class bs are usually built on a van chassis such as the mercedes sprinter or ram promaster   class c motorhomes  these rvs tend to fall between class a and class b motorhomes both in terms of size and amenities based on our study the average cost of rv insurance is around 1500 per year however as you can imagine based on the range of camper sizes and costs rv insurance premiums can vary greatly you can expect to pay far more to cover a class a motorhome for example than a teardrop trailer insurance companies adjust rates to each individual based on several key variables about you and your rv here are some of the most important   driving history  those with clean driving records will have access to the lowest rates   rv value  the cost of your rv drives a major part of your premium since more expensive rvs cost more to cover   usage  fulltimers pay more for coverage than rvers who live elsewhere and use their campers solely for travel   rv driving experience  insurers often offer lower rates to people who have more experience behind the wheel of a camper   location  where you consider home base for your camper plays a role in your rv premiums   credit score  in most states insurers can adjust your rates based on your credit score people with good credit scores will find lower rates than those with average or poor credit scores   coverage the types of coverage and limits you choose factor into your premium any discounts that are applied to your policy will factor into the cost of rv insurance many of the discounts you’ll see for camper insurance will look familiar to auto and home insurance customers but some are specific to the rv world these are some of the most common rv insurance discounts you’ll find   multipolicy  combine your rv policy with your auto insurance policy homeowners insurance renters insurance or life insurance policy   multivehicle  more than one camper on the same policy   responsible driver  if you’re a safe driver who goes for an extended period of time without an accident or traffic violation   paid in full  pay for your entire policy up front rather than across monthly payments   association  for those who belong to rv clubs and organizations   military  for activeduty service members veterans and their families   private passenger  your rv coverage and auto insurance are specifically on the same policy   storage  applies when you agree to keep your camper in storage for an extended period of time but your insurance likely won’t cover the damages if you get into an accident during your storage period   claimfree  if you go for an extended period of time without filing any insurance claims as long as your coverage meets any minimum requirements that apply to you you can build an rv policy to suit your needs all insurers typically offer standard coverages but most also offer at least a few specialty coverages that are unique to rv insurance standard recreational vehicle coverages are nearly identical to those you’d find for auto insurance these include   bodily injury liability  covers medical bills lost wages and related costs for other parties in an accident for which you’re found at fault   property damage liability  covers damages to vehicles and other property in an accident you’re found at fault for   collision  covers damages to your rv resulting from an accident regardless of who is at fault   comprehensive  covers damages to your camper from sources other than accidents such as fire vandalism or extreme weather   uninsured motoristunderinsured motorist  covers damages to your vehicle and your medical expenses if an atfault driver doesn’t have sufficient coverage   personal injury protection pip  covers medical costs and lost wages for you and members of your party resulting from an accident regardless of who is found at fault   medical payments medpay covers medical costs but not lost wages for you and members of your party following an accident no matter who is at fault along with standard coverages many insurers offer specialty addons that can help cover some of the other costs related to rving here are some of the most common   roadside assistance  covers the cost of emergency roadside services such as fuel delivery and tire replacement   vacation liability  covers others’ personal property and medical expenses in incidents while your rv is parked which are not typically covered under standard liability insurance policies   pet injury coverage  covers medical expenses for your pet if they’re injured in an rv accident   emergency expense coverage  covers accommodation food and other costs if your trip is interrupted due to a covered accident or breakdown   sound system  covers your rv’s audio equipment if it’s damaged or stolen   rental reimbursement  covers the cost of a rental car or even an rv if your camper is being repaired or was recently totaled   safety glass  covers the cost of replacing your windshield which is typically considered a specialty item and isn’t covered under many collision and comprehensive rv policies   international coverage  covers your camper while you’re traveling in countries outside the us   fulltimer liability  covers liability claims against your rv as your permanent home similar to a homeowners policy   towing and labor covers the cost of towing your rv or repairing it onsite if it breaks down while you can purchase coverage for almost everything on your rv there are some sources of damage most all insurers exclude these include some insurance policies may not cover damage from floods or earthquakes but this varies by insurer location and how often you use your rv if you have comprehensive coverage your rv insurance should cover water damage this includes damage from leaking fixtures for example a comprehensive rv policy also likely covers water damage from leaky window seals and awnings if damages to your rv are substantial enough your insurer will declare it a total loss commonly known as getting totaled this means your insurer takes possession of the camper and pays you for it when it comes to rv insurance there are three potential settlement options these are   actual cash value  pays out based on the value of your rv at the time of a total loss factoring age and mileage into the depreciation   agreed value  pays out based on a value you set with your insurer at the beginning of your policy   total replacement cost  pays for the cost of replacing your camper with a new one if it’s declared a total loss within its first few years replacement cost coverage is sometimes offered as a policy addon do you need rv insurance insurance for towable rvs is almost never mandated but you’ll need at least the minimum auto insurance coverage required in your state if you have a selfpropelled motorhome however there are more than enough reasons to purchase coverage for your wellused camper or a brandnew rv even if it isn’t required campers are intended for the road meaning you’ll have to share the road with people driving cars trucks and other vehicles this puts you and your rv at risk of a traffic accident data from the national highway traffic safety administration nhtsa shows that the number of crashes has been on the rise over the past several years the data shows that the us saw 676 million traffic accidents in 2019 this is a nearly 25 increase compared to 2010 less than a decade earlier as the number of collisions on the road increases your risk of getting into an accident goes up as well although the most recent nhtsa data from 2020 indicates that accidents were down overall these numbers coincide with a dramatic drop in vehicular traffic during that year as a statistical outlier we removed it from our analysis traffic accidents are a real risk to your camper but they’re not the only way they get damaged these are some of the most common sources of rv damage   leaky roof or windows  when you put a lot of miles on your rv all that vibration from the road tends to shake some of the seals around your roof and windows loose this can create gaps where moisture can get in eventually leading to water damage   theft  while it isn’t common for rvs to be stolen it does happen   weather  tornadoes floods ice storms and other severe weather events can cause significant damage to a camper   trees  falling trees and branches pose a threat to rvs especially when camping in heavily forested areas   fire  rv fires are one of the most common sources of damage to campers note that for the most part a comprehensive rv insurance policy will cover these damages they won’t be covered by collision insurance fire is one of the biggest risks for rv owners from 2018 to 2020 an average of 4200 rv fires were reported to fire departments each year in the us according to data from the federal emergency management agency fema during that time these fires resulted in an annual average of 125 injuries and 15 deaths those fires were also expensive recreational vehicle fires accounted for an annual average of 603 million in property damage or an average of 15350 per fire unintentional fire damage to your camper will be covered under a typical comprehensive policy however if your rv catches fire and damages other property around it you may need additional coverage such as vacation liability to cover those damages because consumers rely on us to provide objective and accurate information we created a comprehensive rating system to formulate our rankings of the best rv insurance companies we collected data on dozens of camper insurance providers to grade the companies on a wide range of ranking factors the end result was an overall rating for each provider and the insurers that scored the most points top our list here are the factors our ratings take into account   reputation 15 of total score our research team considered market share ratings from industry experts and years in business when giving this score   availability 15 of total score recreational vehicle insurance companies with greater statebystate availability and few eligibility requirements scored highest in this category   coverage 30 of total score rvers can benefit from a wide variety of specialized coverage options we evaluated companies based on the amount and diversity of coverage addons they offer for camper insurance   cost 20 of total score as rv insurance costs are highly variable our research team mainly considered the availability of policy discounts   customer experience 20 of total score  our research team took into account companies’ industry reputations with organizations such as the better business bureau bbb as well as the ease and availability of inperson overthephone and online services