Rhode Island RV insurance

Do you need RV insurance in Rhode Island?

If you drive a motorhome, RV liability coverage is required by Rhode Island 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.

The state of Rhode Island also mandates uninsured/underinsured motorist bodily injury (UM/UIM BI), uninsured motorist property damage (UM PD), and medical payments coverages, but you may reject or lower these coverages with the submission of a signed form.

Do you have to have insurance on a camper in Rhode Island?

If you're pulling a camper or travel trailer, Rhode Island 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

If you're financing or leasing your motorhome or travel trailer, lenders typically require RV comprehensive and collision coverage. But even if your RV is paid in full, comprehensive and collision offers valuable protection against damage to what may be one of your most prized assets. These coverages may even cover the actual cash value of your RV if your motorhome or trailer is damaged in any way.

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 Rhode Island?

The average premium for a 12-month Rhode Island RV insurance policy at Progressive for 2023 was $706.86 for a motorhome and $296.12 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.

What's the best RV insurance in Rhode Island?

Whether you're in Providence, Warwick, Pawtucket, or any other city in Rhode Island, 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 Rhode Island without skimping on the protection you need to cover your motorhome or travel trailer.

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

• Multi-policy discount
• Advance quote discount
• Anti-theft discount
• Responsible driver discount
• Prompt payment discount

More RV coverages available in Rhode Island

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 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 $5,000.

Fast facts for Rhode Island RVers

1. All camping recreational vehicles and trailers require camper plates, according to Rhode Island law. Camper registrations renew every two years in September.
2. All camping recreational vehicles and trailers require an inspection in Rhode Island, except for trailers with a gross vehicle weight of 1,000 pounds or less.
3. It is legal to live full-time in your RV in Rhode Island if you adhere to local laws and regulations.
4. Rhode Island may be small, but it offers big adventure for RVers. See the top RV parks in Rhode Island.

Get Rhode Island RV insurance