Finding the right RV insurance as a beginner can feel overwhelming. We surveyed experienced RVers to find out which companies they trust most and what you should know before buying your first policy.

The Clear Winner: Progressive Dominates RV Insurance

When we analyzed responses from dozens of experienced RVers, one company stood out above all others: Progressive. Nearly 60% of respondents mentioned Progressive as their RV insurance provider, making it the overwhelming favorite in the RV community.

Top RV Insurance Companies Ranked by RVer Recommendations

Based on real user experiences, here are the most recommended RV insurance companies:

1. Progressive (Most Popular)

Monthly Cost Range: $70-300+ depending on coverage and deductibles
Best For: Most RV types, online management, competitive rates

Progressive consistently receives praise for ease of use and competitive pricing. Multiple RVers mentioned smooth online experiences and the ability to easily modify coverage options like adding zero-deductible windshield protection.

2. State Farm (Second Choice)

Best For: Clean driving records, existing State Farm customers, reliable service
Important Note: May not cover full-time RV living

State Farm earned strong recommendations from RVers with clean driving records. However, one user noted they wouldn't provide coverage if you live in the RV full-time, so check their policies if you plan to be a full-timer.

3. GEICO (Budget-Friendly Alternative)

Monthly Cost: Around $79/month reported
Best For: Higher deductibles, cost-conscious RVers

One RVer switched from Progressive ($300+/month with low deductibles) to GEICO ($79/month with higher deductibles), showing how deductible choices can dramatically impact costs.

4. Roamly (Broker Service)

Best For: Shopping multiple companies, finding the best rates
Service Type: Insurance broker that compares options

Several RVers recommended Roamly as a broker service that will find the best policy across multiple insurance companies, potentially saving you time and money on comparison shopping.

Other Notable Companies

Money-Saving Strategies from Experienced RVers

1. The "New Customer Strategy"

One seasoned RVer shared a crucial insight: "Every company does the bait and switch on rates. There is no reward for loyalty." They recommend shopping with a broker and being prepared to switch companies every 2-3 years to maintain the best rates.

2. Deductible Strategy

Choose higher deductibles to dramatically reduce monthly premiums. One RVer saved over $200/month by switching from Progressive's low-deductible requirement to GEICO with higher deductibles.

3. Bundle Discounts

Many RVers mentioned bundling RV insurance with their auto insurance for additional savings. Progressive and State Farm both offer bundle discounts.

4. Clean Driving Record Benefits

Several RVers with clean driving records reported better rates, particularly with State Farm. If you have a CDL or professional driving background, mention this when getting quotes.

What to Know Before Getting Your First RV Insurance Quote

Information You'll Need

• RV make, model, year, and VIN
• RV value (purchase price or current market value)
• Where you'll store the RV when not in use
• How many miles you plan to drive annually
• Whether you'll live in the RV full-time
• Your driving record and current insurance history

Coverage Types to Consider

• Liability: Required by law, covers damage to others
• Collision: Covers your RV in accidents
• Comprehensive: Covers theft, weather, vandalism
• Personal effects: Covers belongings inside the RV
• Emergency expenses: Covers lodging if RV is damaged while traveling
• Roadside assistance: Crucial for RV breakdowns

Red Flags to Avoid

Forced Low Deductibles

Be wary of companies that force you into low deductibles without giving you options. This can significantly increase your monthly premium.

Poor Customer Service Reviews

Some RVers mentioned negative experiences with certain companies. Research customer service reviews, especially claim handling experiences.

Full-Time Living Restrictions

If you plan to live in your RV full-time, make sure your insurance company covers this. Some traditional insurers exclude full-time RV living.

Special Considerations for Different RV Types

Motorhomes vs. Travel Trailers

Motorhomes typically require separate RV insurance policies, while travel trailers might be covered under your auto policy with additional coverage.

High-Value RVs

Expensive RVs may need agreed-value coverage to ensure you're compensated for full replacement cost rather than depreciated value.

Older RVs

Some insurers have age restrictions or limited coverage for older RVs. Shop around if you have a vintage or older model.

Getting Your First Quote: Step-by-Step Process

1. Start with Progressive: Given their popularity, get a baseline quote first
2. Check your current auto insurer: They may offer RV coverage with bundle discounts
3. Try a broker like Roamly: Let them compare options for you
4. Get at least 3-4 quotes: Compare coverage types and costs
5. Read the fine print: Understand what's covered and excluded
6. Ask about discounts: Safe driver, multi-policy, storage, etc.

The Bottom Line

Based on real RVer experiences, Progressive emerges as the clear favorite for RV insurance, offering competitive rates, easy online management, and flexible coverage options. However, don't automatically choose them without shopping around.

Remember the key insight from experienced RVers: there's no reward for loyalty in insurance. Plan to shop around every few years, consider higher deductibles to lower premiums, and always compare multiple quotes before making your decision.

Whether you choose Progressive, State Farm, GEICO, or another provider, make sure you understand your coverage and feel confident in your insurer's ability to handle claims when you need them most.