Arkansas RV insurance

Arkansas is an RV hotspot with the Ozark Mountains and Hot Springs National Park providing ideal settings for adventurers around the Natural State. Whether you're staying in Arkansas, traveling across the country, or using your RV as your primary residence, Progressive delivers affordable protection for you and your motorhome or travel trailer. Learn everything you need to know about RV insurance in Arkansas, including what coverages are required by law, what discounts are available, and cost information.

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Is RV insurance required in Arkansas?

If you drive a motorhome, RV liability coverage is required by Arkansas 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. Here are the coverages and limits required by Arkansas law:

CoverageWhat it coversAmount
Bodily injury liability coverage (BI)What it coversInjuries you cause to another while driving your motorhomeAmount$25,000 per person
$50,000 per accident
Property damage liability coverage (PD)What it coversDamage you cause to another vehicle or property while driving your motorhomeAmount$25,000 per accident

The state of Arkansas also mandates uninsured/underinsured motorist bodily injury (UM/UIM BI) uninsured motorist property damage (UM PD), and personal injury protection (PIP) 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 Arkansas?

If you have a camper, also known as a travel trailer, you're required 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 more about travel trailer insurance.

Comprehensive and collision coverage

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

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 a vehicle, tree, fence, guardrail, or any object.

How much is RV insurance in Arkansas?

The average premium for a 12-month Arkansas RV insurance policy at Progressive for 2023 was $995.36 for a motorhome and $875.70 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; 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.

Arkansas residents 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 Arkansas?

Whether you're in Little Rock, Fort Smith, Fayetteville, or any other city in Arkansas, the best RV insurance is an affordable policy with personalized coverage. Progressive is a leader in RV insurance, and provides affordable RV insurance for RVers in Arkansas without compromising on the protection you need to properly cover your motorhome or travel trailer.

Looking to lower the cost of RV insurance in Arkansas? See some of Progressive's RV insurance discounts:

  • Multi-policy discount
  • Advance quote discount
  • College graduate discount
  • Original owner discount
  • Responsible driver discount

More RV coverages available in Arkansas

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 Arkansas RVers

  1. Per Arkansas law, travel trailers that weigh more than 3,000 pounds must be equipped with brakes capable of controlling the movement of and stopping the trailer.
  2. Trailers in Arkansas must not exceed 65 feet in length, 8 feet, 6 inches in width, or 13 feet, 6 inches in height.
  3. Looking for a few tips for your next Arkansas RV adventure? The Arkansas Department of Parks, Heritage, and Tourism provides a few places to park your RV and enjoy what the Natural State has to offer.

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