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 2024 was $934.42 for a motorhome and $405.14 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:
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:
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