Pennsylvania RV insurance

Does PA require RV insurance?

If you drive a motorhome in Pennsylvania, state law requires you to carry RV liability coverage, which 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.

Pennsylvania also mandates uninsured/underinsured motorist bodily injury coverage, but you may reject or lower these coverages with the submission of a signed form.

Does PA require travel trailer insurance?

If you have a camper, also known as a travel trailer, the state of Pennsylvania 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

Lenders typically require RV comprehensive and collision coverage if you're financing or leasing your motorhome or travel trailer. If you own your RV outright, comprehensive and collision coverages are optional. But they may be worthwhile options for RV owners who want to protect their prized asset against damage. 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 Pennsylvania?

The average premium for a 12-month Pennsylvania RV insurance policy at Progressive for 2023 was $710.11 for a motorhome and $395.10 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 Pennsylvania?

Whether you're in Philadelphia, Pittsburgh, Allentown, or any other city in Pennsylvania, the best RV insurance is an affordable policy with personalized coverage. A leader in RV insurance, Progressive provides affordable RV insurance in Pennsylvania without sacrificing the protection you need to cover your motorhome or travel trailer.

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

• Multi-policy discount
• Anti-theft discount
• Paid in full discount
• Passive anti-theft discount
• Passive restraint discount

More RV coverages available in Pennsylvania

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 $5,000

Fast facts for Pennsylvania RVers

1. Hershey, Pennsylvania, is home to "America's Largest RV Show," a five-day event that showcases the latest and greatest products in the RV industry.
2. Pennsylvania's state parks offer convenient and fun settings for your next RV trip. Learn more about campsites, amenities, and reservations from the Pennsylvania Department of Conservation and Natural Resources.
3. It's legal to live full-time in your RV in Pennsylvania if you have consent from the property owner and you comply with local laws.

Get Pennsylvania RV insurance