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Best RV Insurance in 2020

Our experts reviewed and researched 9 RV insurance plans and narrowed the list to their top 7 recommendations.

Last Updated On: November 7, 2019
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Top 7 Highest Ranked RV Insurance

RV insurance policies can be confusing and complicated. After all, they are a melding of auto and home insurance designed to protect recreational vehicles like motorhomes, fifth wheels, travel trailers, pop-up campers, etc. Furthermore, there are dozens of companies on the market that offer comprehensive RV insurance to protect policyholders from collision, medical, liability and other types of incidents that can occur on and off the road. To ease your search, we have compiled the top 7 RV insurance companies that are popular with seniors today.

Here are the Best RV Insurance Companies of 2020

  • Good Sam - With 50 years in the business of providing comprehensive RV insurance, Good Sam is a good choice for seniors seeking reliability and great rates.
  • Progressive - Seniors looking for a well-known company for RV insurance might find Progressive to be a good fit, particularly if they hold other policies with the company.
  • Geico - Geico has been around for decades and is known for excellent customer service, and they have excellent package options for those needing RV insurance.
  • Allstate - As one of the strongest names in the auto insurance business, Allstate is just as reliable concerning coverage for RV’s.
  • National General - Seniors looking for discounts galore will find them at National General, where they offer great policies at affordable rates.
  • USAA - USAA specializes in RV insurance policies for active and retired military personnel and their immediate families, making it a good choice for senior who served the nation.
  • RV America - It’s name says it all, and RV America is one of the few insurance policy providers that focuses solely on recreational vehicle coverage.

How We Chose The Top 7 RV Insurance Plans

We identified the top 9 RV Insurance brands and narrowed it down to 7 of our favorites based on a number of criteria. We looked at affordability, service, ease of use and other factors to rank the best RV Insurance on the market. Take a look at the insurance we have deemed the best of the best.

9
Plans considered
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Experts consulted
7
Plans selected
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Hours of research
  • 1. Good Sam
    Ease of use Excellent
    Service & Response Excellent
    Pricing Excellent

    Overview

    Seniors looking for a solid RV insurance company with decades of experience in the industry will find Good Sam Insurance Agency to be a great choice that offers truly incredible rates. Good Sam offers more discounts for seniors and other qualifying applicants than any other RV insurance provider today. Such offers include member discounts, low mileage, and disappearing deductibles. Most policies also include perks such as towing and roadside assistance in addition to comprehensive coverage for recreational vehicles.

    Pros
    • Exceptional customer satisfaction rating
    • Total loss replacement coverage available
    • Coverage available for first-timers and full-timers
    • RV storage coverage for when the unit is not in use
    Cons
    • Cancellation policy is strict

    Pricing

    Pricing will depend on the type of model that your motor home or RV is, with motor coaches costing the most. Pull behind fifth-wheelers and pop-up campers will cost much less. Quotes are available online with instant results including senior discounts.

    The Bottom Line

    Seniors looking for full time insurance for collision, personal liability, medical payments and personal property coverage will appreciate Good Sam’s reliable customer service and top-rated policies. With the option to have RV storage protection year round and an emergency expense allowance when something goes awry, this is an excellent option for seniors who enjoy periodic traveling.

  • 2. Progressive
    Ease of use Excellent
    Service & Response Excellent
    Pricing Excellent

    Overview

    With 75 years of experience in the insurance field, Progressive is the fifth biggest insurance company in the nation. Progressive’s RV insurance policies are fairly robust and come with comprehensive, collision, uninsured/underinsured motorist, liability and medical payments. Seniors will discover that Progressive offers a number of additional options at no extra cost such as trailer coverage, pet injury and physical damage in Mexico. Those already with Progressive can save even more by bundling their RV policy.

    Pros
    • Multiple discounts available
    • Comprehensive coverage for RVs
    • Roadside assistance included
    • Progressive’s name your price tool®
    Cons
    • User app tends to be glitchy and hard to use
    • Limited availability—no coverage in Massachusetts, Hawaii or Washington DC

    Pricing

    Progressive offers policies starting at around $125 annually for lower-class RV models such as pop-ups and small campers. Because qualifying for multiple discounts is easy with Progressive, even more expensive motor coaches can be covered at reasonable rates, especially for senior customers.

    The Bottom Line

    Seniors seeking reliable RV coverage for full-time and part-time use and travel will find Progressive to be a top option. Limitations can be upgraded to $500,000 to ensure that all passengers and others are fully covered should the unthinkable happen. Seniors who desire to live in their motor home will find that Progressive is one of the few companies to offer full time coverage.

  • 3. Geico
    Ease of use Excellent
    Service & Response Excellent
    Pricing Excellent

    Overview

    Geico is arguably one of the best insurance companies for recreational RVers who spend six months or less traveling annually. Seniors on the go appreciate Geico’s comprehensive coverage that includes replacement of personal property, total loss replacement, vacation liability and emergency roadside assistance. This company offers 24/7 customer assistance and boasts some of the lowest motor home insurance around.

    Pros
    • Ideal for recreational RVers
    • Great discounts for good drivers
    • Total loss replacement
    • Emergency roadside assistance
    Cons
    • No coverage available for full timers

    Pricing

    As Geico’s commercials advertise, seniors can save $500 or more by making the switch to Geico. They offer generous discounts for good driving habits and for certain car safety features. Of course, bundling your RV insurance will help you enjoy even lower rates across the board.

    The Bottom Line

    Seniors looking for part-time travel insurance for towable RV’s can add coverage to an existing auto insurance policy, and coverage is available for a full range of motor coaches, as well. As the second largest insurance agency in the US, Geico has a solid reputation for reliable policies and customer service.

  • 4. Allstate
    Ease of use Above Average
    Service & Response Excellent
    Pricing Excellent

    Overview

    Allstate Insurance is an easy choice for most seniors, as they offer generous discounts for those 55 and older who are retired. New customers will enjoy lower rates just for transferring a policy to Allstate for RV coverage, and bundled packages are available. Allstate makes filing claims easy with a host of options including online claims, live customer service or by using their QuickFoto feature. Customers simply take a photo of the incident, submit it via the mobile app, and an estimator contacts you about the claim.

    Pros
    • Generous discounts for retirees
    • Multiple ways to file a claim with ease
    • 24/7 live customer support
    • Easy to use mobile app
    Cons
    • No full-timer coverage

    Pricing

    Allstate offers some of the lowest rates in the industry, with policies starting at $100 per year for low-end travel trailers that tow behind vehicles. However, seniors and current policyholders will likely enjoy nice discounts, especially those with good driving records.

    The Bottom Line

    Allstate offers senior comprehensive RV coverage for those using the unit less than six months per year. Even their most basic policy offers perks such as personal belongings coverage, sound system coverage, rental reimbursement, medical payments and emergency roadside assistance.

  • 5. National General
    Ease of use Above Average
    Service & Response Excellent
    Pricing Above Average

    Overview

    National General is an excellent choice for seniors looking to bundle auto, home and RV insurance at great rates. Ideal for both full-time RVers and part-timers, National General makes it easy to qualify for a number of discounts such as storage options and low-mileage savings. They offer comprehensive collision and liability options that fully protect RVs and the belongings inside them, and National General also offers coverage in Mexico.

    Pros
    • Coverage for attachments and personal belongings
    • Full-timer coverage available
    • Total loss replacement
    • Turn off collision coverage during storage for additional savings
    • Multiple discounts available
    Cons
    • Mexico coverage can be on the high side price-wise

     

    Pricing

    Seniors are likely to enjoy the best rates with National General RV insurance coverage. However, certain organization members may also enjoy additional discounts. These include General Motors employees (active and retired), current General Motors supplier employees with Chevrolet, Pontiac, Hummer, and GMAC customers also qualify for discounts.

    The Bottom Line

    Whether seniors want to travel or live in their recreational vehicle full time or part-time, National General offers affordable solutions. You can ‘turn off’ collision coverage anytime and save up to 50% on annual premiums. Additional policies are available for those traveling to Mexico to ensure their RV and medical costs will be covered there, as well.

  • 6. USAA
    Ease of use Above Average
    Service & Response Above Average
    Pricing Above Average

    Overview

    Seniors who are retired military personnel or who have immediate family members enlisted in the service can qualify for USAA insurance. This reputable company offers comprehensive RV coverage including collision, liability, vacation coverage, roadside assistance and 24/7 claims services. In addition to coverage for RVs, seniors can bundle their autos and other recreational vehicles to enjoy great discounts with USAA. Some additional discounts include disappearing deductibles and safe driver bonuses. USAA also offers assistance and financing for those shopping for an RV.

    Pros
    • Great rates for USAA members
    • Highly rated claims services
    • Easy to navigate app and online tools to manage policies and claims
    • Stored vehicle discounts
    Cons
    • Policies only available to USAA members and their families
    • Not all discounts available in every state

    Pricing

    USAA offers affordable RV coverage and boasts generous discounts for good drivers. Disappearing deductibles can be down to $0 in just four years without a claim. There may be additional discounts available depending on your state of residence, your age, storage preferences and the model of your RV.

    The Bottom Line

    If you qualify for USAA membership, you’ll find comprehensive coverage to be rather affordable with options to fit your specific needs. With easy claim forms and straightforward policies, USAA is an excellent choice for those looking to travel part-time in their RV who have good driving records.

  • 7. RV America
    Ease of use Above Average
    Service & Response Average
    Pricing Above Average

    Overview

    RV America works with an array of popular insurance companies such as Allied, Progressive, Blue Sky, MetLife and National Interstate. Because they work with so many providers, RV America is known for helping seniors find great rates on comprehensive coverage for motor homes and travel trailers of all types and sizes. They can help you secure policies with higher limitations than most other providers with optional coverage available up to $1 million in liability. Another standout feature of RV America Insurance is that they also offer full-timer coverage for those living in their vehicle.

    Pros
    • Low branch, AC and awning collision protection
    • Fire and flood coverage
    • Full-timer coverage
    • High liability limits policies
    • Emergency roadside assistance
    Cons
    • With multiple options, choosing the best provider can be complex

    Pricing

    The pricing of your RV insurance will depend on the company you choose with RV America and several other factors such as your RV’s age, your driving record and whether you are a full-timer or part-timer. Seniors will find the best deals by bundling services with auto or home insurance policies.

    The Bottom Line

    With inclusions such as flood, fire, emergency expenses and property replacement, RV America policies are about as comprehensive as any you’ll find on the market. Seniors will enjoy an array of discounts and bundling options depending on who their current insurer is. RV America also offers full replacement cost on RV’s and covers accessories such as antennas, satellite dishes, awnings and other attachments that others often charge more for.

Why is RV Insurance a Good Investment for Seniors?

Anything can happen on the open road or even parked in your driveway, so RV insurance is essential regardless of your age. In fact, just like automobiles, it is the law in all 50 states to at least have minimal liability insurance coverage for recreational vehicles. It’s impossible to control everything like the weather, other drivers and miscreants looking to vandalize your RV, and your insurance policy should be adequate enough to cover such incidents. Seniors will be protecting themselves fro an array of ‘what if’s’ with RV insurance coverage.