New York RV insurance

With access to the Big Apple and a network of RV-friendly state parks around the entire state, New York offers RV enthusiasts one of the most unique experiences in the country. Whether you want to be near the hustle and bustle of New York City or find peace in the Finger Lakes, Progressive offers protection you can afford for you and your motorhome or travel trailer. Find out everything you need to know about RV insurance in New York, including legal requirements, coverages, discounts, and cost information.

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Do you need RV insurance in New York?

Before you're able to get behind the wheel of your motorhome, New York requires that you carry RV liability coverage, which can pay for damages or injuries you cause on the road. Here are all of the coverages required by law, including what's covered by each and their associated minimum limits.

Coverage	What it covers	Amount
Bodily injury liability (BI)	What it coversInjuries you cause to others while driving your motorhome	Amount$25,000 per person $50,000 per accident
Property damage liability (PD)	What it coversDamage you cause to another vehicle or property while driving your motorhome	Amount$10,000 per accident
Uninsured motorist bodily injury (UM)	What it coversMedical bills for you and your passengers if hit by a motorist who has no insurance	Amount$25,000 per person $50,000 per accident
Personal injury protection (PIP)	What it coversMedical bills for you and your passengers, regardless of fault	Amount$50,000 per accident

Is travel trailer insurance required in New York?

If you have a camper, also known as a travel trailer, the state of New York requires you to carry auto liability coverage for the vehicle used to pull your camper. Note that liability coverage won't cover damage to your travel trailer. You can purchase comprehensive and collision coverage to protect against RV damage, but they aren't required by state law. Learn how travel trailer insurance can protect your camper.

Comprehensive and collision coverage

If you're financing or leasing your motorhome or travel trailer, lenders typically require that you carry RV comprehensive and collision coverage. But even if your RV is paid in full, comprehensive and collision may be worthwhile options, offering valuable protection against damage to your home away from home. These coverages may cover up to 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 New York?

The average premium for a 12-month New York RV insurance policy at Progressive for 2023 was $761.10 for a motorhome and $349.12 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.

New Yorkers can bundle and save with Progressive. Earn a multi-policy discount when you combine RV insurance with auto, homeowners, renters, boat, or motorcycle.

What's the best RV insurance in New York?

Whether you're in New York City, Rochester, Albany, or any other city in New York, the best RV insurance is an affordable policy with customized coverage. Progressive is a leader in RV insurance, and we provide affordable RV insurance in the Empire State without sacrificing the protection you need to properly cover your motorhome or travel trailer.

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

Multi-policy discount
Accident prevention course discount
Anti-lock brakes discount
Passive restraint discount
Prompt payment discount

More RV coverages available in New York

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 New York RVers

Most New York state parks require reservations and can fill up quickly during peak season from May to October. Learn how to reserve a site from the New York State Parks, Recreation Historic Preservation.
To operate an RV in the state of New York, you need a standard Class D driver's license if the RV's Gross Vehicle Weight Rating (GVWR) is under 26,000 pounds.
Looking for ideas for a New York RV adventure? Cruise America offers this four-day itinerary for a road trip around the Finger Lakes.