RV Insurance Companies: Top 3

Top RV Insurance Companies

Life happens – even to RVs. Having an RV insurance policy in place helps protect your motorized vehicle from unforeseen occurrences like accidents and dangerous weather conditions.

However, with a host of RV insurance companies out there, choosing the best one can be daunting. From our diligent research, we found out that each RV insurance company has its unique features. Here is an easy guide to get you started. You’ll need to make your decision based on your specific needs and make an informed decision.

Follow along as we explore three of the top RV insurance companies.

RV Insurance Companies

Good Sam

Good Sam makes the top of our list because of its highly customizable policies. These policies are geared to protect your camping experience while offering you amazing discounts on top of your coverage. Good Sam is one of the few RV insurance companies rated A+ by the Better Business Bureau. They offer various RV coverages and benefits for full-time and part-time RVers.

Their extended service plan covers new and used RVs, travel trailers, and motorhomes. All plans are available at a price that can fit your RV lifestyle and budget.
Good Sam also lets you carry your policy options around the US, Mexico, and Canada territories.

Some of these coverage options include:

  • Collision
  • Comprehensive
  • Personal and property damage liability
  • Bodily injury liability
  • Storage option
  • Vacation liability
  • Emergency medical and travel support
  • Full replacement cost-coverage,
  • Permanent attachments coverage, and more.

Good Sam’s standard coverage option covers the cost of your personal belongings – up to $3,000. We also found Good Sam’s Storage Option attractive. With this storage option, you get a reduced premium rate for as much as 53%.


Progressive Casualty Insurance Company has been around since 1937, long enough to build a sound reputation in the RV insurance market. Rated A+ by Better Business Bureau, it is an excellent choice if you’re looking for a cheap RV insurance company that combines customized options with attractive discounts and forgiveness.

You can start with an annual policy for as low as $125. However, the basic liability policy does not cover the travel trailer and is not available in all states.

Progressive also offers robust protection on all kinds of RVs and motorhomes be it for recreational or full-time purposes. On top of that, the insurance agency won’t increase your premium rate even if you file a claim.

Coverage Options include:

  • Comprehensive and Collision
  • Liability
  • Uninsured/underinsured bodily injury (UM/UIM)
  • Uninsured/underinsured motorist property damage
  • Medical payments

Extra RV coverage includes:

  • Roadside assistance
  • Full timer’s liability
  • Total loss replacement
  • Loss assessment
  • Emergency expense coverage
  • Replacement cost/personal effects
  • Personal effects
  • Vacation liability
  • Pet injury coverage

They offer extra incentives to lower your RV insurance rate. These include small accident forgiveness, large accident forgiveness, and disappearing deductibles. Disappearing deductibles lowers your rate by 25% if you go for a particular time without filing a claim.

National General

National General offers personalized RV insurance that attracts a wide range of RV customers. Accredited since 1959 and rated A+ by Better Business Bureau. National General insurance coverage comes with many perks you can expect from a top RV insurance company.

It is easy to get quotes online, providing customized policies to meet your RV insurance needs. On top of that, they offer generous discounts for multiple RVs and autos on a single purchase or full payment.

National General stands out with its cheap RV insurance ‘storage savings’ feature. With storage savings, you can save money as it allows you to suspend your coverage when your RV is not on the road. You still get protected from unforeseen events like wind, fire, storms, and more.

Coverage options include:

  • Specialized equipment
  • Full replacement cost
  • Theft reward
  • Mechanical breakdown
  • Permanent attachment
  • Full-timers
  • Emergency peace of mind

There are lots of quality options out there for RV insurance. Make sure you do your research and pick the one that will work for you. If you have other suggestions, let us know about them down in the comments.

And don’t forget about options like Roadside Assistance. RV tire blowouts are fact of life for RVers. Want to read about our most recent experience, check it out here.

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Happy Camping!


Hi, my name is Andy. I have been camping my whole life. I started camping with my parents as a little kid and remember hanging out around a campfire roasting marshmallows. As I got older, car camping was a regular occurrence. After I got married and started a family, we decided we wanted to share the travel and camping experience with our kids. Out of that experience, this site, GoTogetherGoFar.com, was born.

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