RV insurance in California

What are California's RV insurance requirements?

Class A, Class B, and Class C motorhomes can move under their own power. As such, the legal requirement for RV insurance in California for motorhomes is the same as for regular cars, trucks, and vans in terms of liability coverage:

• $15,000 in bodily injury per person
• $30,000 in total bodily injury per accident
• $10,000 in property damage per accident

The only time you don't need liability coverage for an RV is if it can't move under its own power – in other words, if it needs to be towed, like a pop-up or travel trailer. The liability coverage on the policy for the vehicle that tows the trailer would cover the trailer, too. However, if you want comprehensive or collision coverage for the trailer, you have to purchase a separate RV insurance policy for that.

What's included in a California RV insurance policy?

Bodily injury and property damage liability

Liability coverage can pay for damages you cause to others if you're at fault for an accident. Bodily injury pays for medical bills, and property damage pays for damage to someone else’s property. It can also cover legal fees associated with the incident.

Comprehensive and collision coverage

Collision and comprehensive coverages may pay for repair or replacement of your RV no matter who's at fault or even when no one is at fault. These are generally optional coverages, but if you're leasing your RV or paying off a loan, your lender may require one or both.

Comprehensive coverage covers costs for repairing or replacing your RV when events beyond your control, like vandalism, extreme weather, fire, and collisions with wild animals, cause damage.

Collision coverage covers your vehicle from damage that results from accidents, including collisions with other vehicles and objects like trees or road signs.

What if I live in my RV full-time?

Full-time RV insurance policies are different from standard recreational policies, so when you're shopping for California RV insurance, be sure to specify whether you plan to live in your RV most or all the time. These are some of the key differences between recreational and full-time policies:

• Loss assessment: This coverage may pay for costs to repair the property where your vehicle is parked.
• Medical payments: Medical payments coverage may pay for medical bills if someone hurts themselves in your RV or the surrounding area.
• Personal liability: Personal liability coverage may cover you if you’re liable for another party’s injuries or damages while your RV is parked.

Other RV coverages available in California

Progressive lets you customize your RV insurance with a range of optional coverages such as:

Pest Damage Protection℠ can help pay for repairs when a wild animal like a bird or raccoon damages your RV.^**

Roof Protection Plus^® can pay to replace or repair the damaged roof of your motorhome, even if the damage is the result of normal wear and tear^**.

Replacement cost/personal effects can help you repair or replace belongings in the RV that have been lost or damaged during a covered incident.

Roadside assistance can pay for a tow to the nearest repair shop if your RV gets a flat tire or otherwise breaks down.

Pet coverage can pay for up to $1,000 in veterinary expenses if your pet is injured in a covered accident.

Total loss replacement pays for the cost of a brand-new RV if yours is totaled in a covered incident.

Emergency expense coverage can pay for travel and hotel costs if your RV is inoperable due to a covered event when you're over 50 miles from home.

Learn about all the available RV insurance coverages.

How much is RV insurance in California?

As with standard auto insurance, California RV insurance rates are personal and based on many factors, including:

• Type and model: Bigger, newer RVs are generally more costly to insure than smaller ones. Motorhomes are usually more expensive to insure than travel trailers.
• Use: The more you use your RV, the more you're likely to pay to insure it.
• Claims history: Your history of making insurance claims can affect your rates.

Learn more about how RV insurance rates are calculated.

How can I get lower rates for RV insurance in California?

If you're looking for discount options, we've got them. Check out the possibilities:

• Multi-policy discount: Bundling multiple Progressive policies can help you save.
• Homeowner: Owning a home, condo, or single or double-wide will lower your rates even if you don't insure it with Progressive.
• Original owner: If you're the vehicle's first owner, you'll pay less to insure it.
• Accident-free: A clean driving record for the last three years can lower your premium.

Find out more about all the RV insurance discounts we offer.

How to get RV insurance in California