RV Insurance
RV insurance for wherever life takes you
Need an RV insurance quote?
Existing policyholder?
Start your next trip with the right coverage at the right price
GEICO offers affordable RV insurance with great coverage tailored to your needs. Whether it's an RV, camper, motor home, or travel trailer, our RV specialists are available to help you get the right coverage for however you vacation.
Specialty Coverage You Can Count On
Customize your GEICO RV insurance policy with a wide range of specialty coverage options designed for motorized RVs, towable RVs, and travel trailers (including toy haulers).
Discounts To Help You Maximize Savings
Rack up savings on your RV insurance policy with our growing list of discounts, including a defensive driver discount, military discount, good student discount, and more.
Flexible Features for When You're on the Go
Choose how and when you pay with our flexible payment plans and options on all RV insurance policies. Plus, manage your policy and file claims right from your device with our app.
What info do I need to get an RV insurance quote?
Help us get you on the road sooner by gathering the information below before you start a quote.
What is RV Insurance?
RV Insurance includes the protection you need-designed with travel and leisure in mind.
Recreational Vehicle (RV) insurance is a specialized insurance policy designed to protect owners of camper vans, trailers, and other recreational vehicles. It provides coverage for bodily injuries and damage to your vehicle or property.
RV insurance coverage varies based on:
- The coverages you need
- How you use your RV
- The type of RV you own
Do I need RV insurance?
The right RV insurance for you depends on your vehicle type, coverage needs, and state laws.
What types of RVs can I insure?
With GEICO, you can get RV insurance for a variety of recreational vehicles, trailers, and haulers.
Motorized Recreational Vehicles
- Class A, B, and C Motorhomes
- Camper Vans
Travel Trailers, Campers
- Conventional and 5th Wheel Travel Trailers
- Pop-Up Travel Trailers and Truck Campers
- Airstreams and Teardrop Campers
Toy Haulers
- ATV, Dirt Bike, and Motorcycle Haulers
How does RV insurance work?
RV Insurance is tailored to the unique needs of RV owners.
RV insurance works similarly to other types of auto insurance, but coverages are tailored specifically to the needs of RV owners. Owners pay a premium to an insurance company in exchange for coverage that protects their recreational vehicle from various risks. This coverage typically includes liability protection, which covers bodily injury and property damage to others in case of an accident for which you are liable.
Additionally, RV insurance may include collision coverage to repair or replace your RV in the event of an accident, comprehensive coverage for non-collision incidents such as theft, vandalism, or natural disasters, and optional coverages like roadside assistance and personal property coverage. In the event of a claim, you would typically pay a deductible before the insurance company covers the remaining costs up to the policy's limits.
How much does RV insurance cost?
GEICO offers a variety of discounts you may qualify for to maximize your savings.
RV insurance premiums are influenced by various factors, ranging from state insurance requirements to individual circumstances. Understanding these factors is crucial for striking a balance between securing optimal protection and finding affordable coverage.
Your driving history - including past accidents and traffic violations is taken into consideration by insurers. The condition of your RV also impacts cost; newer, well-maintained vehicles may have lower premiums compared to older models or a history of damages.
Additionally, the type and extent of coverage you select greatly influences RV insurance premiums. Opting for higher liability limits provides added protection but typically results in higher premiums, whereas choosing a higher deductible can lower your insurance costs but may require you to pay more out of pocket in the event of a claim.
Maximize your RV insurance savings with special discounts offered by GEICO (varies by state):
- Good Driver discount
- Commercial driver's license discount
- Military discount
- Defensive driver discount
- Homeowner discount
- Multi-vehicle discount
- Multi-product discount
- Anti-theft discount
- Anti-lock Brake discount (Class A, B, and C)
- Paid-in-full discount
What does RV insurance cover?
From total loss replacement to emergency expenses and roadside assistance, GEICO has you covered.
GEICO offers a range of coverages such as total loss replacement and vacation liability to protect your RV and provide you with peace of mind while on the road. These coverages are designed to address various risks and potential losses that RV owners may face. For more information on the types of coverage available, check out our RV coverages page.
It's important to review your policy carefully, as RV insurance coverages and coverage amounts vary by policy and provider.
Customize your GEICO RV insurance policy to include a variety of coverages
- Total loss replacement
- Exterior body, wheels, and chassis
- Comprehensive & collision
- Personal effects replacement
- Vacation liability
- Emergency expenses
- RV medical payments
- RV Emergency roadside services
Ready to get coverage and start a new journey?
Getting a quote from GEICO is easy and can be done in just a few minutes.
RV Insurance FAQs
Get the answers you need about GEICO RV Insurance.
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How do I get the best RV insurance rates?You can customize your RV insurance policy and find a few ways to possibly lower your insurance rates. You should consider whether you're storing your RV in a safe and secure location, decide how you will use your RV, change your insurance deductible, and more.
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How can I avoid common RV problems?You can't predict when a problem will occur but you can help avoid them with simple maintenance. You should check your tires regularly, keep tires properly inflated, replace the old sealant around all windows, and constantly maintain your RV. To protect yourself financially, you should also have RV insurance. For more info, check out our common RV problems page.
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What RV type is right for me?Deciding which RV is right for you comes down to personal preference and needs. Consider factors like whether you need a self-propelled or towed RV, the amount of weight your vehicle can safely tow, and the amount of RV space you need. For more guidance on selecting the right RV type, be sure to check out our help page.
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Where can I learn more about RV safety?To learn more about RV safety, you can check out our safety tips for RVs. These tips provide valuable information and guidelines to make a safe and enjoyable RV experience more likely. By following these tips, you can enhance your knowledge and take precautions designed to help financially safeguard your trailer itself and also help cover you financially in case of accidents or liability issues. So, even if it's not compulsory, it's a wise choice for protecting your investment and ensuring your peace of mind while you're on the road.
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What's the difference between motorhome and travel trailer insurance?Motorhome insurance is tailored for vehicles you can drive, such as Class A, B, or C motorhomes. It provides coverages for both the RV and liability that might arise while you're on the move. On the other hand, travel trailer insurance is designed for non-motorized trailers towed behind your vehicle. It provides coverage for the trailer itself and may also include liability protection at your campsite. So, the main distinction lies in whether your RV has its own engine or not, but both types of insurance could help ensure you're well-covered during your adventures.
Please note:
Some discounts, coverages, payment plans, and features are not available in all states, in all GEICO companies, or in all situations. The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.
*Enhanced RV coverage is currently available in all states except: HI, MA, MI, and NC.