Connecticut RV insurance

Do you need RV insurance in Connecticut?

If you drive a motorhome, RV liability coverage is required by law in Connecticut and may pay for damages or injuries you cause while operating your motorhome. Uninsured/underinsured motorist bodily injury coverage is also mandated, and can pay for injuries sustained in an accident with a driver who has no insurance or insufficient coverage.

Do you have to have insurance on a travel trailer in Connecticut?

If you have a travel trailer, also known as a camper, you're required to carry auto liability coverage for the vehicle you use to pull your trailer. Liability coverage won't cover damage to your travel trailer or motorhome. Purchasing comprehensive and collision coverage can help protect against damage to your RV, but they aren't required by state law. Learn more about travel trailer insurance.

Comprehensive and collision coverage

Lenders usually require RV comprehensive and collision coverage if you're leasing or financing or your motorhome or travel trailer. But even if your RV is paid in full, comprehensive and collision can be valuable in protecting your motorhome or camper against physical damage and loss. These coverages may cover the actual 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 Connecticut?

The average premium for a 12-month Connecticut RV insurance policy at Progressive for 2023 was $812.59 for a motorhome and $386.37 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 Connecticut?

Whether you're in Bridgeport, Stamford, Hartford, or any other city in the Nutmeg State, the best RV insurance is an affordable policy with customized coverage. Progressive is a leader in RV insurance, and we provide cheap RV insurance throughout Connecticut without compromising on the protection you desire to adequately cover your motorhome or travel trailer.

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

• Multi-policy discount
• Responsible driver discount
• Paid in full discount
• Original owner discount
• Advanced quote

More RV coverages available in Connecticut

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

• Total loss replacement: May cover 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 may pay 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 $5000

Important facts for RVers in Connecticut

1. You may live in your RV full time in Connecticut, but you must register your RV with the DMV and have a valid license plate.
2. Motorhomes in Connecticut carry a $112.50 registration fee.
3. Every travel trailer must have two mounted tail lamps able to emit red light from at least 1,000 feet.
4. Learn more popular RV destinations and exploring Connecticut’s Northeast by RV.

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