California RV insurance

California offers RV enthusiasts beaches, mountains, forests, and more. Whether you want to set up in Malibu or Big Sur, you can find the RV excursion you're looking for in the Golden State. Progressive delivers affordable protection for you and your motorhome no matter what adventure awaits. Find out everything you need to know about RV insurance in California, including legal requirements, discounts, and cost information.

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Do you need RV insurance in California?

Before you're able to get behind the wheel of your motorhome, California requires that you carry RV liability coverage, which can pay for damages or injuries you cause on the road. Here are the coverages required by law and their associated minimum limits.

Coverage	What it covers	Amount
Bodily injury liability (BI)	What it coversInjuries you cause to others while driving your motorhome	Amount$15,000 per person $30,000 per accident
Property damage liability (PD)	What it coversDamage you cause to another vehicle or property while driving your motorhome	Amount$10,000 per accident

The state of California also mandates uninsured/underinsured motorist bodily injury (UM/UIM), but you may reject or lower these coverages with the submission of a signed form.

Do I need travel trailer insurance in California?

If you have a camper, also known as a travel trailer, the state of California 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 more about travel trailer insurance.

Comprehensive and collision coverage

If you're financing or leasing your motorhome or travel trailer, lenders typically require that you carry RV comprehensive and collision coverage. But even if your RV is paid in full, comprehensive and collision may be worthwhile options, offering 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.

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 California?

The average premium for a 12-month California RV insurance policy at Progressive for 2023 was $924.50 for a motorhome and $407.10 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; 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.

Californians 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 California?

Whether you're in Los Angeles, San Francisco, Sacramento, or any other city in California, the best RV insurance is an affordable policy with customized coverage. Progressive is a leader in RV insurance, and we provide inexpensive RV insurance in California without sacrificing the protection you need to properly cover your motorhome or travel trailer.

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

Multi-policy discount^†
Mature driver discount
Association discount
Original owner discount
Responsible driver discount

More RV coverages available in California

Get additional protection for your motorhome or travel trailer by adding the following optional coverages to your Progressive RV policy:

Total loss replacement: May cover 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 may pay 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.
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 $5000

Fast facts for California RVers

A motorhome may not exceed 40 feet in California unless exempted. However, 45-feet motorhomes are allowed on interstates and some state highways.
California is one of the most RV-friendly states for full-time living, allowing you to stay in one location indefinitely if you avoid creating nuisances and health hazards.
Looking for inspiration for your next RV adventure in California? Check out one couple's RV trip around the Golden State.