Colorado RV insurance

Is RV insurance required in Colorado?

If you drive a motorhome, RV liability coverage is required by Colorado law and can pay for damage 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.

The state of Colorado also mandates uninsured/underinsured motorist bodily injury coverage and medical payments coverage, but you may reject or lower these coverages with the submission of a signed form.

Do you have to insure a camper in Colorado?

Colorado requires that you carry auto liability coverage for the vehicle that pulls your travel trailer. Your auto liability coverage, however, won't cover damage to your travel trailer. There are coverage options available for those who want further protection. Learn more about travel trailer insurance.

Comprehensive and collision coverage

If you're financing or leasing your motorhome or travel trailer, it's likely that your lender requires RV comprehensive and collision coverage. Even if you own your RV outright, comprehensive and collision coverages could be a worthwhile option. These coverages protect against damage to your RV and may cover up to the total cash value of your RV if your motorhome or trailer is damaged, totaled, or stolen.

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 Colorado?

The average premium for a 12-month Colorado RV insurance policy at Progressive for 2023 was $1149.90 for a motorhome and $770.17 for a travel trailer. Progressive offers RV liability-only policies starting at just $125/year,* but your cost for RV insurance depends on several factors, including:

• 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 Colorado?

Whether you're in Denver, Fort Collins, Colorado Springs, or any other city in Colorado, the best RV insurance is an affordable policy with personalized coverage. A leader in RV coverages, Progressive provides cheap RV insurance in Colorado without sacrificing the protection you need to properly cover your motorhome or travel trailer.

Looking for the cheapest RV insurance in Colorado? See some of Progressive's RV insurance discounts:

• Multi-policy discount
• Advance quote discount
• EFT discount
• Original owner discount
• Paid in full discount

More RV coverages available in Colorado

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 following 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 $5000

Fast facts for Colorado RVers

1. Check road conditions in Colorado before you travel, as Colorado's mountain roads have potential for high winds, wildfires, and wildlife contribute to volatile conditions for RVs.
2. Not sure what route to take through the Centennial State? Check out these three easy RV trips in Colorado.
3. You're allowed to live full-time in an RV in Colorado if you adhere to local ordinances and laws. Be sure to know the guidelines in your desired location.

Get Colorado RV insurance