Maryland RV insurance

Is RV insurance required in Maryland?

If you drive a motorhome, RV liability coverage is required by Maryland law and 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. Here are the coverages and minimum limits required by Maryland law:

Do you have to have insurance on a camper in Maryland?

If you're pulling a camper or travel trailer, Maryland 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 or motorhome. There are coverage options available 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 a prudent move to add comprehensive and collision coverage if you want to protect your RV against damage as these coverages may cover the actual cash value of your RV if it's damaged in any way. 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 Maryland?

The average premium for a 12-month Maryland RV insurance policy at Progressive for 2023 was $837.75 for a motorhome and $448.87 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 Maryland?

Whether you're in Baltimore, Frederick, Bethesda, or any other city in Maryland, the best RV insurance is an affordable policy with customized coverage. Progressive is a leader in RV insurance, and we provide cheap RV insurance in Maryland without compromising on the protection you need to cover your motorhome or travel trailer.

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

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

More RV coverages available in Maryland

These optional coverages can be valuable additions to your Progressive RV policy, offering greater protection and peace of mind:

• 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 $5,000.

Fast facts for Maryland RVers

1. According to Maryland law, your Maryland driver's license must reflect either the weight class of the vehicle you're operating or have the appropriate motorhome/RV restriction code noted.
2. In Maryland, you must obtain a non-commercial class license to legally operate a motorhome in the state.
3. In Maryland, every trailer must have at least two rear tail lamps that emit a red light plainly visible from at least 1,000 feet to the rear.

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