Arizona RV insurance

Does Arizona require RV insurance?

If you drive a motorhome in Arizona, Arizona law requires you to carry RV liability coverage, which can pay for damages or injuries you cause on the road. If you need more coverage than the state minimum, you can increase your liability limits to protect your assets.

Is travel trailer insurance required in Arizona?

If you're pulling a travel trailer, Arizona law requires that you carry auto liability coverage for the vehicle pulling your camper. Your auto liability coverage, however, won't cover damage to your travel trailer. RV comprehensive and collision coverage are available options for those who want further protection. Learn more about travel trailer insurance.

Comprehensive and collision coverage

RV comprehensive and collision coverages are optional if you own your RV outright. But we understand the value that many motorhome or travel trailer owners place on their home away from home. It may be worthwhile to add comprehensive and collision coverage if you want to protect your RV against damage, theft, and loss. If you're financing or leasing your RV, your lender likely requires comprehensive and collision coverages.

Comprehensive covers events out of your control, including RV theft, vandalism, fire, hitting an animal, and weather-related issues. Collision covers your RV if you collide with another vehicle, tree, fence, guardrail, or any object.

How much is RV insurance in Arizona?

The average premium for a 12-month Arizona RV insurance policy at Progressive for 2023 was $1,026.84 for a motorhome and $498.85 for a travel trailer. Progressive offers RV liability-only policies starting at just $125/year,^* but your cost for RV insurance depends on many factors, such as:

• Type and model: The more expensive your RV is to repair or replace, the more you pay to insure it. Larger, newer RVs often cost more than smaller, used RVs; and motorhomes typically cost more than travel trailers or pop-ups.
• Claims history: Your history of filing insurance claims may affect your rate.
• Driving record: Violations can increase the price of your policy.
• Location: Your ZIP code can influence the cost of RV insurance.

What's the best RV insurance in Arizona?

Whether you're in Phoenix, Scottsdale, Tucson or any other city in Arizona, the best RV insurance is an affordable policy with customized coverage. Progressive provides cheap RV insurance in Arizona without compromising on the protection you need to properly cover your motorhome or travel trailer.

Looking for cheap RV insurance in Arizona? See some of Progressive's RV insurance discounts:

• Multi-policy discount
• Advance quote discount
• Association discount
• Original owner discount
• Transfer discount

More RV coverages available in Arizona

Get additional protection for your motorhome or travel trailer by adding the following optional coverages to your Progressive RV policy:

• Total loss replacement: Covers the cost of a new motorhome or travel trailer if yours is totaled, provided the vehicle is less than five years old. After that point, the coverage pays the amount specified on your policy. If you have a new, never titled RV, you may be eligible for total loss replacement.
• Roadside assistance: Covers the cost of a tow in case of dead battery, flat tire, or other break downs.
• Replacement cost/personal effects: Covers personal items inside your motorhome or travel trailer, up to a specified amount, such as your smart phone, camping equipment, or television.
• Emergency expense: Pays up to $2,000 for hotel and travel costs if your RV breaks down more than 50 miles from home. The minimum coverage amount is $750. If you have a full-timer's policy, emergency expense coverage may pay up to $7,500.
• Vacation liability: If you're on vacation and someone is hurt in or around your motorhome or travel trailer, you may be covered up to a specified amount.
• Pet injury: Covers vet bills up to $1,000, with no deductible, if your dog or cat is hurt in an RV accident.
• Pest damage protection: Covers repairs, up to a specified amount, if a wild animal damages your RV.^**
• Roof Protection Plus®: May pay to repair or replace the damaged roof of your motorhome, even if the damage resulted from normal wear and tear.^**

Find out additional information about our RV insurance coverages.

What if I live in my RV full time?

If your RV is your permanent residence, you may need additional coverage that a recreational RV policy doesn't offer. However, a full-time RV insurance policy may offer protection when your RV is your primary home with the follow coverages:

• Personal liability: Liability coverage on a full-timers policy can protect against liability claims if you're responsible for someone else's injuries or damages, even when your RV is parked
• Medical payments: If someone hurts themselves in or around your RV, medical payments coverage may pay for their medical bills
• Loss assessment: This coverage can pay for fees or charges from your RV association, up to $5,000

Fast facts for Arizona RVers