Idaho RV insurance
Idaho provides the ideal backdrop for adventurous RVers looking to explore Sawtooth National Recreation Area, Coeur d'Alene, Sun Valley, and more. No matter where you are in Idaho, Progressive is here to help you find the affordable protection you need for you and your motorhome or travel trailer. Find out everything you need to know about RV insurance in Idaho, including legal requirements, discounts, coverages, and cost information.
Explore Progressive's editorial standards for Answers articles to find out why you can trust the insurance information you find here.
Does Idaho require RV insurance?
If you drive a motorhome, RV liability coverage is required by Idaho law and can pay for damage 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 minimum limits required by Idaho law:
| 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$15,000 per accident |
The state of Idaho also mandates uninsured/underinsured motorist bodily injury (UM/UIM) coverages, but you may reject or lower these coverages with the submission of a signed form.
Do you need insurance on a travel trailer in Idaho?
Idaho law requires that you carry auto liability coverage for the vehicle pulling your travel trailer. It's important to note that your auto liability coverage won't cover damage to your travel trailer. If you want to protect your travel trailer against damage, there are coverage options available. Learn more about travel trailer insurance.
Comprehensive and collision coverage
If you're financing or leasing your motorhome or travel trailer, lenders typically require RV comprehensive and collision coverage. But even if your RV is paid in full, comprehensive and collision can be valuable safeguards 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 another vehicle, tree, fence, guardrail, or any object.
How much does it cost to insure an RV in Idaho?
The average premium for a 12-month Idaho RV insurance policy at Progressive for 2023 was $782.83 for a motorhome and $446.23 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.
RV insurance doesn't have to break the bank. We offer liability policies for as little as $125/year!* Find out what your policy would cost with an online RV insurance quote for your motorhome or travel trailer.
What's the best RV insurance in Idaho?
Whether you're in Boise, Meridian, Nampa, or anywhere else in Idaho, the best RV insurance is an affordable policy with customized coverage. As a leader in RV insurance, Progressive provides affordable RV insurance in Idaho without sacrificing the protection you need to cover your motorhome or travel trailer.
Looking for the cheapest RV insurance in Idaho? See some of Progressive's RV insurance discounts:
Multi-policy discount
Advance quote discount
Association discount
EFT discount
Senior safety course discount
More RV coverages available in Idaho
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 Idaho RVers
Registration fees for RVs in Idaho start at $8.50 for the first $1,000 of market value, plus $5 for each additional $1,000 of market value.
Idaho law states that the combined length of an RV and tow vehicle should not exceed 75 feet.
Looking for RV trip ideas in the Gem State? Visit Idaho provides travel tips for RVing in Idaho.
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