Arkansas RV Insurance

What are Arkansas's RV insurance requirements?

Arkansas state law makes a distinction between motorhomes – which have a motor and can move under their power – and other types of RVs, like travel trailers, pop-ups, and fifth wheels. Motorhomes are considered automobiles for state minimum insurance laws, so if you have a motorhome (whether Class A, B, or C), you'll need to meet or exceed the state's minimum coverage limits:

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

When you buy a policy to meet the required liability coverage, all insurers are required to offer you uninsured/underinsured motorist coverage (UM/UIM) and personal injury protection. UM/UIM pays for damages you suffer if another driver is at fault but doesn't have enough insurance to cover the damages they caused. PIP pays for your medical bills along with other injury benefits like lost wages, regardless of who was at fault. You aren't required to buy this coverage, but it will be included in the policy unless you specifically reject it in writing.

If you have a trailer-type RV that can't move under its own power, you aren't required to buy an insurance policy; the liability coverage of the towing vehicle will provide coverage for the trailer in the event it causes any damage. However, accidents involving RV trailers can quickly become expensive and an RV policy can offer physical damage protection for your investment and additional coverages specifically designed for the RV lifestyle.

Arkansas RV insurance coverages

Bodily injury and property damage liability coverage

Liability coverage pays for damage you cause others if you're at fault for an accident. The bodily injury limit is the amount your policy can pay for medical expenses, and the property damage limit is for damage to things like buildings and vehicles. It can even cover legal fees related to the incident.

Arkansas only mandates minimum coverages, but you can increase your coverage limits in order to better protect your assets.

Comprehensive and collision coverage

If you finance your motorhome or travel trailer, comprehensive and collision coverages are generally required by your lender.

Comprehensive coverage may cover you from damage resulting from forces outside your control including forces of nature like natural disasters, severe weather, wildlife, fires, and malicious behaviors like theft and vandalism.

Collision coverage may pay for damages resulting from collisions, regardless of who is at fault. This includes typical multi-vehicle and multi-driver collisions, and also covers single-vehicle collisions with objects (for example, if you hit a road sign or a parked car) and even covers rollovers.

What if I live in my RV full-time?

If you live in your RV full-time (more than six months a year), a full-time RV insurance policy offers important protections that a recreational policy doesn't. Full-time policies can provide Arkansas RV insurance that combines the coverages found in a normal RV policy with protections similar to those found in a homeowners insurance policy. Key benefits include:

• Personal liability: Personal liability coverage may cover damage or injuries from accidents you cause while the RV is parked.
• Medical payments: Medical payments coverage may cover medical bills if guests get hurt in or around your RV.
• Loss assessment: This coverage may pay for costs levied by your RV association, like the cost to repair damage to common areas after a natural disaster.

Other RV coverages available in Arkansas

Customize your policy with our optional Arkansas RV insurance coverages such as:

Total loss replacement pays to buy you a brand-new RV if yours gets totaled in a covered incident.

Roadside assistance covers costs to get your RV to a repair shop if it's disabled on or near the road.

Replacement cost/personal effects protects personal property – like cell phones, cameras, hunting gear, or cooking equipment – that you're carrying in the RV.

Emergency expense coverage pays up to $750 for travel and hotel expenses if your RV is disabled in a covered event over 50 miles from home.

Pet coverage pays up to $1,000 in vet bills if your pet gets hurt in a covered incident.

Pest Damage Protection℠ pays to repair damage from wildlife pests like mice or raccoons.^**

Roof Protection Plus® can pay to repair or replace the roof on qualifying RVs, even if the damage is normal wear and tear.^**

Find out more about RV insurance coverage options.

How much is RV insurance in Arkansas?

Rates for Arkansas RV insurance vary based on factors including:

• Type and model: The more expensive your RV is to repair or replace, the more it costs to insure.
• Claims history: Making claims can affect your rates.
• Use: Insurance costs typically go up the more you use your RV.

Learn more about how the cost of RV insurance is calculated.

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

Discounts vary a bit from state to state, but customers in Arkansas may be able to benefit from our discounts including:

• Multi-policy: Bundle multiple policies and save
• Claim-free: Get a discount when you renew if you have no at-fault claims
• Paperless: Receive your documents electronically, and we'll give you a discount
• Continuous insurance: Get a discount if you're already insured when you start with Progressive

See more of our available RV insurance discounts.

How to get RV insurance in Arkansas