Delaware RV insurance

Delaware delivers a mix of scenic beaches and quaint historic towns for RV enthusiasts to explore. Whether you stay in state or travel across the country, Progressive can offer affordable protection for you and your motorhome or travel trailer. Check out important information about RV insurance in Delaware, from legal requirements and discounts to coverages and cost information.

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Do you need RV insurance in Delaware?

If you drive a motorhome, RV liability coverage is required by Delaware 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. Delaware also requires personal injury protection (PIP) coverage.

Coverage	What it covers	Amount
Bodily injury liability coverage (BI)	What it coversInjuries you cause to another while driving your motorhome	Amount$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 motorhome	Amount$10,000 per accident
Personal injury protection (PIP)	What it coversMedical bills for you and your passengers, regardless of fault	Amount$15,000 per person $30,000 per accident

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

Do you need insurance on a travel trailer in Delaware?

If you have a camper, also known as a travel trailer, you're required to carry auto liability coverage for the vehicle you use to pull your camper. Note that liability coverage won't cover damage to your travel trailer or motorhome. 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, totaled, or stolen.

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 Delaware?

The average premium for a 12-month Delaware RV insurance policy at Progressive for 2023 was $943.49 for a motorhome and $373.72 for a travel trailer. Progressive offers RV 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; and 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.

From Wilmington to Claymont, Delawareans 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 Delaware?

Whether you're in Dover, Newark, Brookside, or any other city in Delaware, the best RV insurance is an affordable policy with customized coverage. Progressive is a leader in RV insurance, and we provide affordable RV insurance in the Diamond State without sacrificing the protection you need to cover your motorhome or travel trailer.

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

Multi-policy discount
Responsible driver discount
Paid in full discount
Defensive driver discount
Advanced quote discount

More RV coverages available in Delaware

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.

Fast facts for Delaware RVers

Delaware has five state parks that are open year-round at select sites for RV camping.
Delaware law states that trailers must be equipped with at least one tail lamp that's mounted on the rear, emits red light when lit, and is plainly visible from 500 feet to the rear.
It's illegal to live full-time in an RV in the state of Delaware. Violators can be fined up to $100.