RV insurance in Arizona

What are Arizona's RV insurance requirements?

The legal requirements for RV insurance in Arizona vary depending on the type of RV or trailer you have. Because Class A, Class B, and Class C motorhomes are independent vehicles capable of moving under their own power, they need to carry the same minimum liability coverage as cars:

• $25,000 in bodily injury per person
• $50,000 in total bodily injury per accident
• $15,000 in property damage per accident

Non-motorized trailers, such as fifth-wheel and pop-up trailers, would fall under the liability coverage of the policy for the vehicle that's towing them. That said, you may want to consider some of the optional coverages available for these and other types of RVs, such as comprehensive and collision coverage. Even if you have comprehensive and collision coverage for your towing vehicle, that coverage won't cover the trailer.

Arizona RV insurance coverages

Bodily Injury and property damage liability coverage

Liability coverage may pay for expenses if you're deemed at fault for an accident. These expenses can include medical bills, repair bills, and even legal fees. Despite what minimum coverage limits are available to you, you can choose higher limits depending on what would appropriately protect your assets in the event of an accident.

Comprehensive and collision coverage

Comprehensive and collision are two forms of physical damage coverage that, unlike liability, can pay for repairs to your own vehicle in the case of an accident, regardless of who's at fault. They aren't mandated by law but are typically required by lenders.

Collision coverage protects your vehicle from damage that results from accidents including collisions with other vehicles, objects like trees or road signs, or even accidents like rollovers that don't involve anyone else.

Comprehensive coverage may help with costs to repair or replace your RV due to events outside of your control, such as: vandalism, extreme weather, fire, and collisions with wild animals that damage it.

What if I live in my RV full-time?

The typical Arizona RV insurance policy is a standard recreational policy. If you intend to live in your RV most or all of the time, you may need protections that go beyond what a recreational policy offers. Here's how full-time RV insurance policies differ from recreational policies:

• Personal liability: Personal liability coverage may cover you if you’re liable for another party’s injuries or damages while your RV is parked.
• Loss assessment: This coverage may pay for costs to repair the property where your vehicle is parked.
• Medical payments: Medical payments coverage may pay for medical bills if someone hurts themselves in your RV or the area around it.

Other RV coverages available in Arizona

With Progressive you can customize your RV coverage to create the policy that's right for you, with optional coverages like:

Emergency expense coverage can pay for travel and hotel costs if your RV is inoperable due to a covered event when you're more than 50 miles from home.

Total loss replacement helps pay for the cost of a brand-new RV if yours is totaled in a covered incident.

Pet coverage can pay for up to $1,000 in veterinary expenses if your pet is injured in a covered accident.

Roadside assistance can pay for a tow to the nearest repair shop if your RV gets a flat tire or otherwise breaks down.

Roof Protection Plus ® can pay to replace or repair the damaged roof of your motorhome, even if the damage is the result of normal wear and tear.^**

Pest damage protection can help pay for repairs when a wild animal like a bird or raccoon damages your RV. ^**

Replacement cost/personal effects can help you repair or replace belongings in the RV that have been lost or damaged during a covered incident.

Learn about all the available RV insurance coverages.

How much is RV insurance in Arizona?

Many factors go into determining the cost of Arizona RV insurance rates, including (but not limited to) the following:

• Claims history: Your history of making insurance claims can affect your rates, regardless of whether you were the at-fault party.
• Use: The more you use your RV, the more you're likely to pay to insure it.
• Type and model: Bigger, newer RVs are generally more costly to insure than smaller ones. Motorhomes are usually more expensive to insure than travel trailers.

Learn more about how RV insurance rates are calculated.

How can I get lower rates for RV insurance in Arizona?

These are some of the Progressive discounts that may be available to you:

• Homeowner: Owning a home, condo, or single- or double-wide will lower your rates even if you don't insure it with Progressive.
• Original owner: If you're the vehicle's first owner, you'll pay less to insure it.
• Multi-policy discount: Bundling multiple Progressive policies can help you save.
• Accident-free: A clean driving record for the last three years can lower your rate.

Find out more about all the RV insurance discounts we offer.

How to get Arizona RV insurance