Top Travel Trailer Insurance in 2021
So, your RV is packed and the trailer is hitched up. You’re ready to be on the road again. But, do you have up-to-date travel trailer insurance?
This comparative review will tell you all you need to know about the best travel trailer insurance, prices, discounts, and more.
Fact-checked
Last Updated: September 23, 2021
1. Good Sam
Good Sam Enterprises incorporate Good Sam Club, the most extensive RV-owners club and camper trailer insurance company globally. Good Sam boasts over 2 million subscribers and has its headquarters in Ventura, California. Full Review
- Affordable
- Plenty ways to save money
- Easy sign up procedures
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Good Sam Enterprises incorporate Good Sam Club, the most extensive RV-owners club and camper trailer insurance company globally. Good Sam boasts over 2 million subscribers and has its headquarters in Ventura, California. Full Review
4.5/5
4.5/5
5/5
3.5/5
2. Progressive
Progressive is the 5th largest insurer in the US, known for its integrity and respect for diversity. Progressive provides vehicle, RV, motorcycle, and boat insurance to discerning customers seeking value for money and customization options on policies. Full Review
- Plans cover medical costs
- Discounts available
- Covers a wide variety of vehicles
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Progressive is the 5th largest insurer in the US, known for its integrity and respect for diversity. Progressive provides vehicle, RV, motorcycle, and boat insurance to discerning customers seeking value for money and customization options on policies. Full Review
4/5
4/5
4/5
3/5
3. AAA
The American Automobile Association has been in business for an astounding 115 years. The company is traditionally an auto-insurance provider but has branched out to cover recreational vehicles in recent years. Coverage is only available to paid-up AAA members in some US states. Full Review
- Good customization options
- Discounts available
- Double-extraction service
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The American Automobile Association has been in business for an astounding 115 years. The company is traditionally an auto-insurance provider but has branched out to cover recreational vehicles in recent years. Coverage is only available to paid-up AAA members in some US states. Full Review
3.5/5
3.5/5
3/5
3.5/5
4. Blue Sky
Blue Sky is one of the best motorhome insurance options on the market. Administered by the Recreational Insurance Specialists, the company offers unique full or part-time coverage for a wide range of motorized vehicles, including high-end and 5th wheel units. Coverage extends to RVs registered by corporations, partnerships, trusts, and LLCs. Full Review
- In business for 40 years
- Full- or part-time coverage available
- Comprehensive 24/7 emergency roadside assistance - towing and labor coverage
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Blue Sky is one of the best motorhome insurance options on the market. Administered by the Recreational Insurance Specialists, the company offers unique full or part-time coverage for a wide range of motorized vehicles, including high-end and 5th wheel units. Coverage extends to RVs registered by corporations, partnerships, trusts, and LLCs. Full Review
4/5
3.5/5
3/5
4/5
5. Allstate
Allstate is regarded as one of the best RV insurance companies offering a range of short-term options across the US, Canada, the US Virgin Islands, and Puerto Rico. Agents build their own client base and are said to be dedicated to meeting their clients’ needs Full Review
- Affordable
- Three insurance options
- Discounts available
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Allstate is regarded as one of the best RV insurance companies offering a range of short-term options across the US, Canada, the US Virgin Islands, and Puerto Rico. Agents build their own client base and are said to be dedicated to meeting their clients’ needs Full Review
3/5
3/5
3.5/5
3.5/5
6. The Hartford
The Hartford is a well-established supplier of travel trailer insurance exclusive to members of the American Association of Retired Persons (AARP). Members have to be over 50 years of age and AARP members. The Hartford has been known for equitable business practices and service excellence since 1810. Full Review
- Lifetime repair guarantee
- Affordable policies
- Longstanding and trustworthy
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The Hartford is a well-established supplier of travel trailer insurance exclusive to members of the American Association of Retired Persons (AARP). Members have to be over 50 years of age and AARP members. The Hartford has been known for equitable business practices and service excellence since 1810. Full Review
3.5/5
3.5/5
3.5/5
4/5
Our Methodology
Does a travel trailer need insurance? What type of coverage do I need? As required by general and specific laws across the US and Canada, purchasing applicable coverage for your recreational vehicle or trailer is the responsible thing to do. Many rental agencies will in fact not rent or lease you a travel trailer without at least comprehensive and collision coverage.
In our review, we looked at a selection of insurance for motorized vehicles with regard to the following important criteria:
- Coverage Options – Travel trailer insurance coverage for trailers and campervans is designed to cover risks similar to those applicable to contemporary motor vehicle insurance. RV owners can choose to purchase comprehensive coverage, collision coverage, medical assistance coverage, vacation liability protection, or personal liability cover. Other options include adding the value of personal belongings, custom equipment protection, and permanent attachments to the insurance for RV trailers.
- Discounts – A large variety of discounts may be available to policyholders, depending on the type and extent of the policy selected. Criteria such as the road safety history of the driver, requesting quotes up-front, and accident forgiveness discounts among others, come into play. Some companies may even offer low-mileage discounts on selected coverage options or reduced annual premiums in addition to multi-policy and multivehicle discounts.
- Exclusions – Travel trailer policies may exclude the following:
- Any vehicles with less than four wheels
- Intentional damage caused by the driver or passengers
- Unsolicited, unusual use (e.g. racing)
- Normal wear and tear of vehicle components
- Pricing – The cost is largely dependent on the size of the recreational vehicle and the level of coverage you require. If you use the trailer frequently, your cover cost may also increase proportionally. Knowledgeable insurance agents can be helpful in pointing out the different options. Using an online price calculator to determine premiums and savings can be very useful, too.
- Customer Reviews – Drawing information from consumer experiences is the most reliable way of rating a service provider. For the purposes of this review, we consulted customer reviews from a selection of business agencies and online reviewers to determine the best RV insurance and travel trailer protection options available.
Individual Reviews
- Plenty ways to save money
- Affordable
- Easy sign up procedures
- Not the best customer support
Coverage
The Good Sam Insurance Agency offers many RV-specific coverage features:
- Collision coverage
- Comprehensive coverage
- Underinsured and uninsured motorist coverage
- Personal liability
- Property damage liability
- Bodily injury liability
- Personal injury protection
Additional add-ons:
- Full replacement cost
- Storage option
- Full-time coverage
- Multi-policy coverage
- Personal effects coverage
- Permanent attachment coverage
Pricing
Good Sam’s costs depend on the class of the vehicle, size, as well as the desired coverage. Good Sam promises substantial price reductions on insurance rates.
- Multivehicle policyholders save an average of 20% (auto+trailer)
- Multi-policy coverage saves up to 10% (home+RV)
- Paying a policy in full reduces the monthly premiums
- Opting to store RVs during inactive periods can save up to 53% in costs
- Other discounts available for safe drivers, safety/anti-theft devices installed
Good Sam Club membership carries discounted rates at Camping World, Gander Outdoors, Overton’s, and Pilot Flying J among others.
Customer Satisfaction
Good Sam Enterprises have an A+ rating on the Better Business Bureau and are BBB accredited. However, reviewers rate the company 1 out of 5 based on 23 complaints over the last year.
Still, the average Good Sam RV insurance review on Consumer Advocate shows 96% consumer satisfaction.
Common customer complaints include inadequate customer support and failure to pay the due reimbursements. Positive reviews laud affordable deals and easy sign-up procedures. Good Sam also provides roadside assistance, extended service plans, travel assistance, and a credit card rewards scheme that customers find appealing.
Competition Overview
Good Sam is the best travel insurance for family and full-time RV owners.
One area where Good Sam falls short is efficient customer support.
- Covers a wide variety of vehicles
- Discounts available
- Plans cover medical costs
- Many important options are extras
Coverage
Progressive campervan insurance plans:
- Standard comprehensive coverage
- Collision coverage
- Personal liability coverage as required by law
- Underinsured/uninsured motorist coverage
- Medical costs
Optional extras include:
- Roadside assistance: tires, battery, fluids
- Total loss replacement: reimbursement subject to model year as specified; deductible applicable
- Insurance of personal belongings: specified
- Vacation liability: Up to $10,000 (can be upgraded)
- Full-timer’s liability: Specified
- Loss assessment: RV association fees up to $5,000
- Emergency expenses cover: $750-$2,000
- Pet coverage: Max $1,000 in vet bills
- Roof protection plus: Wear-and-tear/malfunction – less than 6 years old ($250 deductible)
- Pest damage coverage: Non-domestic animal damage – less than 6 years old ($250 deductible)
Pricing
Insurance rates for Class A, B, and C motorhomes on Progressive start at a $125/annual premium. However, 5th wheel, truck camper, and pop-up trailer insurance come at a higher cost.
An average premium for a travel trailer costs $502 annually, whereas motorhome insurance amounts to about $848 per annum.
Discounts are applicable to the following:
-
- Multi-policy accounts
- Quote-in-advance policies
- Policyholders who pay in full and promptly
- Homeowners
- Claim-free responsible drivers
- Continuous insurance record
Concessions are not available across all US states.
Customer Satisfaction
Progressive RV insurance reviews give the company between 3.5 and 4.5 out of 5 stars. However, some customers claim policies to be less comprehensive than those of other insurance companies.
Still, reasonable insurance rates and customized policies make Progressive a firm favorite.
Competition Overview
Progressive stands out for its affordable coverage for a wide variety of vehicles.
However, Progressive lacks consistently helpful and knowledgeable customer support.
- Good customization options
- Discounts available
- Trailer insurance only as an add-on to auto insuranceC
- Coverage available only to AAA members in some states
Coverage
AAA insurance for travel trailers can be purchased as an add-on to regular auto insurance. Coverage includes the following benefits:
- Towing services
- Trip interruption and rental car reimbursement
- Medical coverage
- Double-extraction service
- Emergency expenses cover
- Coverage of personal belongings
- Personal liability
Plus RV insurance coverage protects trailers up to 32 feet long, while Premier RV coverage extends to longer travel trailers.
Cheap trailer insurance through AAA extends to motorcycles, boats and other watercraft, ATVs, snowmobiles, utility and livestock trailers.
Pricing
AAA Auto Plus RV insurance costs an additional $142/year, while Auto Premier RV premiums will set you back an extra $210 annually. RV-specific options are also available.
Regular AAA member discounts apply, for example from Napa Auto Parts.
Additional reductions may be applicable on driver’s age and claiming history, the size, make, and model of the trailer, as well as the specified deductible.
Customer Satisfaction
AAA is BBB accredited but scores 1 out of 5 in customer satisfaction. However, only 4 complaints were logged on this platform over the last year.
Reviews of the best RV insurance available show that customers aren’t satisfied with the offered single-person medical coverage and the slow roadside assistance response. Nonetheless, AAA is said to have the best towing recovery and winching service available.
Competition Overview
AAA is regarded as the best RV insurance for full-timers looking for customization options on trailer insurance plans.
AAA customers find that its policies are more suited to automobile coverage than to recreational vehicles.
- Specialized cover for travels to Mexico
- In business for 40 years
- Full- or part-time coverage available
- Pricing uclear from the website
Coverage
Standard Blue Sky/RIS RV insurance policies include coverage for:
- Bodily injury and property damage
- Uninsured motorist coverage
- Medical coverage for one person
- Personal injury protection
Specialty RV insurance benefits comprise:
- Total loss replacement (no depreciation)
- Full-timers liability, medical coverage, and secured storage cover
- Coverage for adjacent structures
- Campsite/vacation liability cover
- Comprehensive 24/7 emergency roadside assistance – towing and labor coverage
- Comprehensive coverage and collision protection for stolen or damaged vehicles
- Agreed valuation coverage
- Personal effects protection
- Specialized cover for travel in Mexico
Pricing
Blue Sky is reputed to deliver cheap trailer insurance with comprehensive benefits. Actual insurance rates are available with a free quote on inquiry. Costs depend on the usual criteria such as driver claim history and travel trailer specifications.
Diminishing deductibles on policies help to save costs. Additionally, homeowner rebates, deductions derived from advanced payments made in full, and multivehicle discounts apply.
Customer Satisfaction
Blue Sky RV insurance reviews are few and far between. However, the company has been in business for 40 years and is BBB accredited with an A+ BBB rating.
Consumer Advocate gives Blue Sky 4.5/5 stars for coverage options and benefits, 4.3/5 for customer service, and 4.5/5 for insurance rates.
Competition Overview
Blue Sky insurance for RV trailers is best appreciated by owners of expensive, luxury motorhomes and sleeper vans.
Blue Sky lacks transparency in its pricing plans and options to aid consumer decision-making
- Three insurance options
- Affordable
- Discounts available
- Ony short-terms options
Coverage
Allstate RV coverage offers three options of motorhome insurance. These are membership, pay-per-use benefits, and per-vehicle add-ons to auto policies.
Coverage includes:
- Bodily injury legal liability
- Property damage liability
- Collision coverage
- Comprehensive coverage
- Sound system cover to the value of $2,500 (deductibles apply)
- Contents cover – also lightning and fire damage
- Personal injury protection – no-fault coverage, incl. rehab and funeral costs
- Underinsured and uninsured motorist coverage
- Towing and labor cover
- Rental car reimbursement
Pricing
Allstate RV members pay $79 in annual premiums (first year of membership). This equates to less than $7/month. Pay-per-use rates for towing services are charged at $119. If you are already an auto-policy holder with Allstate, you can opt to add insurance for travel trailers at $25 per vehicle.
Discounted rates are applicable to multi-policy clients and homeowners. Additional concessions are awarded for prompt payments, account transfers, and to customers over 55, not seeking employment.
Allstate members enjoy fuel discounts and 24/7 roadside assistance provided by Allstate partners. Diminishing deductibles and an accident forgiveness discount sweeten the deal.
Customer Satisfaction
Allstate is rated A+ and accredited by the Better Business Bureau. Customers can contact customer support online or via a mobile app.
For clients seeking the cheapest travel trailer insurance, however, Allstate’s high insurance rates can be an issue.
Competition Overview
Allstate Insurance is the right travel insurance for seniors wishing to bundle auto and home insurance with RV coverage.
Allstate coverage is limited to motorhomes, however, and incurs high costs.
- Affordable policies
- Longstanding and trustworthy
- Lifetime repair guarantee
- Not a lot of variety in vehicles covered
Coverage
The insurer offers the following RV coverage plans (subject to driver age, driving history, and travel trailer specifics):
-
- Medical payments for drivers and passengers
- Collision coverage
- Bodily injury and personal liability coverage
- Property damage
- Lifetime repair guarantee
Optional benefits include:
- Full replacement of damaged or stolen motorized vehicles – terms and conditions apply
- Hassle-free, 24/7 claims process
- Availability of local claims adjusters
- RecoverCare – linked to auto-RV multivehicle discount benefits
Pricing
Standard travel trailer insurance rates and accompanying AARP membership amount to $16 in annual premiums. If policyholders choose to renew automatically, a fee of $12/year becomes applicable.
AARP membership benefits may include reduced fees on auto-home and RV insurance bundles. Policyholders also earn reductions on completion of defensive driving courses and on RV club memberships.
Clients can select a disappearing deductible to increase savings. Quotes can be obtained online or after consultation via phone.
Customer Satisfaction
In determining the best RV insurance company, we consulted customer reviews. The Hartford is a Fortune 500 company and boasts a high customer satisfaction rating of between 3.8 and 4.5 out of 5. Consumers appreciate its affordable policies and trustworthy, customer-oriented sales, claims, and service personnel.
According to BBB reviews, however, some consumers complain about the fact that the benefits only apply to older clients and AARP members.
Competition Overview
The Hartford is known for having the best RV insurance rates for senior clients.
It lacks comprehensive coverage on a wide variety of RVs and towable homes, however.
What Is Travel Trailer Insurance?
Travel trailer insurance coverage is an agreement between a financial service provider or insurance company and the RV owner, to protect your recreational vehicle in exchange for the payment of annual premiums. Vehicles that may be covered include motorhomes, sleeper vans, campervans, converted buses, toterhomes, 5th wheel campers, pop-up campers, park model travel trailers, utility trailers, and other motorized vehicles.
Some companies cover boats and ATVs in addition to the usual recreational vehicles.
Best Travel Trailer Insurance – Buyer’s Guide
With a myriad of RV insurance companies to choose from, you should select one that meets all your specific requirements. RV owners need to know the options available and the pitfalls and hidden clauses present in the policies’ fine print.
So how do you decide which one to choose?
How to Choose the Right Travel Trailer Insurance
Travel trailer insurance charges and benefits can differ even between comparable RV insurance companies. Still, the coverage you select largely depends on the class and size of the vehicle you wish to cover, the extent of coverage you require, and annual premiums and deductibles applicable to policyholders.
Follow the guidelines below to aid you in your search:
Find Out Your Trailer’s Class
Travel trailers are classified according to size, weight, and functionality. Classification includes class A, B, and C motorized vehicles, travel trailers, pop-up trailers, 5th wheel trailers, and truck campers. Let’s take a closer look at each type:
Class A
Blue Sky provides the best RV insurance coverage for luxurious Class A vehicles.
Class A travel trailers are very large, 26-45 feet motorhomes weighing a hefty 13,000 to 30,000 pounds. These giants boast customized luxury amenities and a lot of available living space. Class A vehicles are not very fuel-efficient and have a limited range because of specialized hitching requirements and clearance restrictions.
Class C
Class C vehicle classification incorporates mid-sized vehicles that are 20-30 feet long. Relatively light at an estimated 10,000-13,000 pounds, these motorized vehicles have a functional sleeping area above the vehicle cab and feature pull-out sections and separate bathroom facilities. Amenities are otherwise kept to a minimum.
Class B
Campervans are an example of Class B motorized recreational vehicles. They are 17-23 feet long. Featuring bed-and-storage space for a maximum of six people, campervans have four-wheel-drive capability and weigh between 4,000 and 9,000 pounds.
Travel Trailers
A travel trailer is hitched to a towing vehicle by means of a special towing hitch. Between 10 and 40 feet long, these towable homes have a wide traveling range and can easily be unhitched and stored during the off-season.
Some of the cheapest travel trailer insurances offer reduced personal liability cover at reduced insurance rates when you store your travel trailer for longer than 30 days.
Pop-Up Trailers
Pop-up or folding trailers are compact, 8-16 feet long, light-weight travel trailers. With fewer amenities, pop-ups are not well-insulated and akin to tents, leaving campers somewhat exposed to inclement weather and the elements in general. However, they are easy to move and enjoyed by adventurous campers.
5th Wheel Trailers
The average travel trailer insurance for your 5th wheel trailer costs $800-$925 per year.
5th wheel travel trailers are the largest travel trailers available. They can be from 22 to 40 feet long and weigh anything from 7,000 to 20,000 pounds.
5th wheelers are easily identifiable by the way the front of the trailer extends over the bed of the towing truck. A specifically installed U-shaped coupling on the truck bed allows for better maneuverability and easier towing. Features include slide-out extension panels, private bathrooms, and multiple sleeping areas as per owner specifications.
Truck Campers
The four-wheel-drive capabilities and tough suspension of truck campers are ideally suited to off-road, off-the-grid expeditions or camping trips. Insurance for motorhomes takes into account the limited storage space and basic amenities that allows for accommodation to no more than 3 people at any one time. Optional extensions include extra sleeping room above the vehicle cab.
Think About The Type of Coverage Required
The type of coverage you purchase relies on how often you use your travel trailer. Other considerations to keep in mind are add-ons such as emergency coverage, custom equipment protection, and added benefits subject to an exclusive club or RV association membership.
Premiums and Deductibles
When hunting for the best campervan insurance or comparable insurance plans for road traveling, consumers should first determine how much they are willing to spend. Premiums may be charged annually or over extended periods of time and are subject to variable terms and conditions.
Another vital consideration is the deductible fees applicable before insurance claims may be processed. Some of the top-rated RV insurance companies offer as much as 25% reductions per claim-free year to enable disappearing deductible amounts. Policyholders can thus essentially end up with a 0% deductible amount on claims.
Shop Around For The Best Insurance
To find the best insurance option is by no means an easy task. Clients looking for the cheapest insurance options should shop around and assess all the available features, coverage plans, and payment options available to them.
Many RV insurance companies offer customized policies to suit every pocket.
What Does Travel Trailer Insurance Cover?
The cost can be excessively expensive or quite cheap. Insurance rates and coverage depend on the state or region you reside and travel in, as well as specific risk factors such as naturally recurring inclement weather in the region or poor driver habits of the insurance purchaser.
Policyholders can choose from a large variety of coverage plans to meet their needs:
- Collision coverage gives protection against damage caused to travel trailers and motorhomes in the event of a collision with another vehicle as well as another stationary or moving object
- Safe storage coverage is provided at discounted rates for vehicles unused for an extended period of time
- Insurance for travel trailer permanent attachments extends to damaged antennae, awnings, as well as satellite dishes custom-fitted to your travel trailer or motorhome
- Personal belongings and property coverage extends to any clothing, jewelry, computers, cameras, or other personal effects, lost or damaged while traveling in a travel trailer or motorhome
- Uninsured motorist coverage comes into play when the other vehicle involved in an accident with your travel trailer is insufficiently insured or uninsured
- Full replacement cost coverage replaces a vehicle at a predetermined value according to the model year or original purchase price (as stipulated in the contract)
- Comprehensive coverage applies to any loss or damage sustained due to anything other than a collision
- Medical payment coverage is needed in the event of accidental injuries or illness sustained by the driver, family members, or passengers while in the vehicle (as determined by the policy)
- Pet coverage pays for veterinary treatment of your pets and it is optional
- Roadside assistance coverage pays for the delivery of fluids, jump-starting services, locksmithing, etc.
Types of Travel Trailer Insurance
You can opt for part-time or full-time protection. Each option comes with different benefits and features. The number of days a year that you use your RV determines the type of coverage you should obtain for your vehicle.
Full-Time Travel Trailer Insurance
The best RV insurance for full-timers mimics the features of comprehensive home insurance. Comprising personal liability coverage, medical payment coverage, and loss assessment, this type of policy is best for people who permanently reside in their motorhomes and other recreational vehicles.
Coverage encompasses the medical costs for passengers and drivers, including those from other involved vehicles, in case of accidental injuries incurred during a collision.
Loss assessment coverage extends to the area where your travel trailer is parked and is charged by camper parks and RV associations to perform maintenance on camper facilities and amenities.
Part-Time Travel Trailer Insurance
Part-time campervan insurance usually incorporates an option for vacation liability protection in addition to emergency expenses to provide trip interruption coverage. Additionally, personal effects coverage, roadside assistance, and towing services are included.
Travel Trailer Insurance Companies At A Glance
Let’s compare the best travel trailer, insurance providers:
| Travel Trailer Insurance Company | Pricing | Best for | Discounts | Types of coverage | Customer reviews |
| Good Sam | Good Sam Club:
$79/year x 3 years $50/year x 2 years $29 for 1 year |
Families
Full-timers |
20% off multi-policy
10% multi vehicle discount 53% when storing your vehicle during the off-season |
Collision
Comprehensive Uninsured motorist coverage Personal liability Property damage liability Bodily injury liability |
4/5 |
| Progressive | From – $125/year
$502/year (travel trailers) $848/year (motorhomes) |
Affordable coverage for a large variety of vehicles | Multi-policy
Quote-in-advance Payment-in-full Homeowners Claim-free Continuous insurance |
Standard comprehensive
Collision Personal liability Uninsured motorist coverage Medical coverage |
3.5/5 |
| AAA | Plus RV $142/year
Premier RV $210/year |
Full-timers
Cutomiza-tion options |
Napa Auto Parts | Roadside assistance + towing
Medical coverage Double- extraction service Emergency expenses Personal effects coverage Personal liability |
3.5/5 |
| Blue Sky | Costs available on quotation –
Standard and Specialty options |
Luxury RV coverage | Bodily injury
Personal injury Personal liability Comprehensive Property damage Medical coverage Total loss replacement Adjacent structures coverage Vacation liability Roadside assistance Agreed valuation Personal effects coverage Travel in Mexico |
4.5/5 | |
| Allstate | Membership $79 first year
Pay-per-use $119 per tow $25/ vehicle added to the policy |
Seniors
Bundle policies |
Multi-policy
Homeowners Prompt payment Account transfer 55-year-olds and older Fuel Accident forgiveness discount |
Bodily injury
Property damage Collision Sound system Contents Personal injury Uninsured motorist coverage Towing+labor Rental car |
3.5/5 |
| The Hartford | AARP membership $12-$16 annually | Senior clients
Competitive rates |
Multi-policy bundles
Disappearing deductible Completion of defensive driving course RV club membership |
Medical payments
Collision Bodily injury Personal liability Property damage Full replacement RecoverCare |
4/5 |
Wrap Up
If you prefer traveling around the world in your travel trailer rather than standing in airline departure queues, finding the best motorhome insurance is a must. Research your options well and decide on the type of coverage you need, as well as the budget at your disposal.
Refer to customer reviews and rating agencies to help you choose the perfect insurance policy. Then make your home wherever you park your RV or travel trailer.
FAQ
Insurance rates for coverage of travel trailers can be vastly diverse. However, the average insurance policy for part-time travel trailer insurance is around $1,000-$2,000 annually. Full-time coverage will set you back $2,000 and more per annum, depending on the class and size of RV you own.
In a direct comparison of the best RV insurance companies available at this time, Progressive is rated the best overall insurance provider. However, Good Sam is the preferred company for full-time RVers, while Allstate is best for policy bundling at competitive insurance rates.
The best travel trailer insurance provides RV-owners with sufficient comprehensive coverage for all eventualities. However, many travel trailer lease agencies require additional collision coverage. Regardless, it is not a legal requirement to obtain this type of insurance and the obligation rests wholly with the driver of the vehicle.