Find the best RV insurance for your motorhome. Coverage designed for full-time living, travel, and recreational use.
✓ Full-timer coverage
✓ Roadside assistance
✓ Customizable plans
✓ RV specialists
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All RV Providers (5)
🚐 AARP
★ 4.7/5.0
$140 - $590
Coverage Types:
Deductible: $750-$2000
Key Features:
- ✓ Full coverage
- ✓ Roadside assistance
- ✓ Customizable
PROS
- • Exclusive AARP member program underwritten by The Hartford (A+ AM Best rating) with a partnership in place since 1984 — one of the longest-running affinity insurance arrangements in the US
- • Lifetime Renewability benefit: once accepted, qualifying AARP members cannot be non-renewed for age, accidents, or claims (subject to standard policy conditions like fraud or non-payment)
CONS
- • Membership-gated: must be age 50+ and an AARP member ($16/year dues) to qualify — younger RV owners and non-members are ineligible
- • RV coverage is not written directly by AARP; it is brokered/underwritten by The Hartford, so service quality and claims experience depend on Hartford rather than AARP itself
🚐 Geico
★ 4.6/5.0
$135 - $580
Coverage Types:
Deductible: $750-$2000
Key Features:
- ✓ Full coverage
- ✓ Roadside assistance
- ✓ Customizable
PROS
- • RV policies are underwritten by National General, which has decades of specialty RV experience and offers Total Loss Replacement coverage (replaces a totaled RV with a brand-new comparable model, typically in the first 5 model years)
- • Customers can bundle with Geico's auto policy (Geico is the second-largest U.S. auto insurer by market share per NAIC data) for multi-policy discounts
CONS
- • Geico does not underwrite the policy itself — claims and servicing are handled by National General, which can create handoff confusion versus carriers that own the entire RV product in-house (e.g., Progressive, National Interstate)
- • Quotes for RV coverage typically cannot be completed online end-to-end the way Geico auto quotes can; users are often routed to a phone call with the National General partner team
🚐 Allstate
★ 4.5/5.0
$130 - $570
Coverage Types:
Deductible: $750-$2000
Key Features:
- ✓ Full coverage
- ✓ Roadside assistance
- ✓ Customizable
PROS
- • Backed by AM Best A+ (Superior) financial strength rating, with the parent company in business since 1931
- • Large captive-agent network across all 50 states, useful for RV owners who want a local agent to walk through coverage on Class A/B/C motorhomes and travel trailers
CONS
- • RV insurance is not a headline specialty line for Allstate — RV-focused carriers like Progressive, National General, and Good Sam tend to offer deeper full-timer coverage and broader RV-only endorsements
- • Allstate's overall NAIC auto complaint index has historically run at or above the national median of 1.0, suggesting more complaints per dollar of premium than some competitors (verify current year before quoting)
🚐 Good Sam
★ 4.3999999999999995/5.0
$125 - $560
Coverage Types:
Deductible: $750-$2000
Key Features:
- ✓ Full coverage
- ✓ Roadside assistance
- ✓ Customizable
PROS
- • RV specialists
- • Full-timer coverage
CONS
- • Depreciation factors
- • Mileage limits
🚐 Progressive
★ 4.3/5.0
$120 - $550
Coverage Types:
Deductible: $750-$2000
Key Features:
- ✓ Full coverage
- ✓ Roadside assistance
- ✓ Customizable
PROS
- • RV specialists
- • Full-timer coverage
CONS
- • Depreciation factors
- • Mileage limits
How to Choose
- • Compare quotes from multiple providers
- • Review coverage types and deductibles
- • Check customer ratings and reviews
- • Look for available discounts
- • Verify policy terms and conditions
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