Illinois RV insurance

What are Illinois' RV insurance requirements?

Illinois requires minimum liability insurance for "all motor vehicles that must display license plates and are being driven." That means that if you have a Class A, Class B, or Class C motorhome — RVs with an engine that move under their own power — you're required by law to purchase an RV insurance policy that provides at least the state minimum liability coverage limits:

• $25,000 in bodily injury per person
• $50,000 in total bodily injury per accident
• $20,000 in property damage per accident

In addition to minimum liability coverage, all policies in Illinois must include uninsured/underinsured motorist coverage that meets the same minimums as liability. Unlike motorhomes, trailer-style RVs like fifth wheels, pop-ups, travel trailers, and toy haulers don't need to carry their own RV insurance in Illinois. That's because any damage they cause in the event of an accident would be included in the liability coverage of the towing vehicle.

What's included in an Illinois RV insurance policy?

Required coverages

Liability coverage pays out to others when you're responsible for an accident. Bodily injury coverage pays medical bills for injuries you cause, and property damage liability covers damage to objects, vehicles, buildings and can even cover legal fees. The other required coverage, UM/UIM, pays for damages and injuries you and your passengers sustain when another driver causes an accident but doesn't have insurance or doesn't have enough to pay for the damage they caused.

Illinois minimum liability limits are lower than some other states, but you can increase your coverage limits in order to better protect your assets.

Comprehensive and collision coverage

Neither comprehensive nor collision is required by law in Illinois. However, they are required by nearly all financing agreements.

Comprehensive coverage covers damage from forces beyond your control, including fires, collisions with wildlife, natural disasters, vandalism, and theft.

Collision coverage pays to repair damage from most kinds of collisions, including multi-driver accidents, single-driver collisions with objects (like if you back up into a parked car or hit a road sign in a wide turn), and even covers rollovers.

What if I live in my RV full-time?

If you spend more than six months a year in your RV, you can get a full-time RV insurance policy that's better suited to your lifestyle. Full-time policies are a special kind of Illinois RV insurance that offers the standard RV coverages found in a recreational policy plus a range of coverages similar to those found in a homeowners policy. Some of the advantages of a full-time policy include:

• Personal liability: Regular RV coverage only covers damage you cause while driving the RV, but full-time personal liability can pay for damage and accidents you cause while the RV isn't on the road.
• Medical payments: If guests, repair personnel, or other visitors hurt themselves in or around your RV, medical payments coverage can pay for their medical bills
• Loss assessment: This coverage can pay fees charged by your RV association, such as costs to repair damage to common areas

Other Progressive RV coverages available in Illinois

In Illinois, RV insurance policies offer a lot of optional coverages, including:

Total loss replacement can pay to replace your RV with a brand-new one if yours is declared a total loss following a covered event.

Roadside assistance can pay to get your RV to a mechanic or repair shop if it's disabled on the road.

Replacement cost/personal effects covers personal property you're carrying in the RV, including cell phones, camera equipment, hunting gear, and more.

Emergency expense can pay up to $1000 for hotel and travel expenses if a covered incident leaves your RV unusable while you're traveling more than 50 miles from home.

Pet coverage protects injured animals with up to $1,000 for vet bills if the injury is the result of a covered incident.

Pest Damage Protection℠ can pay for repairs when pests like birds or raccoons damage your RV.^**

Roof Protection Plus® can pay to repair or replace the roof on qualifying RVs, even if the problem is the result of normal wear and tear.^**

Find out more about our optional RV insurance coverages.

How much is RV insurance in Illinois?

Rates for Illinois RV insurance vary considerably depending on the details of your situation. Some of the most important factors affecting cost are:

• Type and model: Generally, the more expensive the RV, the more it costs to insure. Motorhomes tend to cost more than trailers, and bigger, newer models have higher premiums than smaller, older models with fewer features
• Claims history: Making claims can affect the price you pay for insurance
• Use: Frequent travelers will pay more than those who only use their RV occasionally

Get more information about how companies calculate RV insurance costs.

How can I get lower rates for RV insurance in Illinois?

Discounts vary somewhat from one state to another, but Illinois residents may be able to save with Progressive by:

• Bundling: The more Progressive policies you have, the more you can save.
• Owning a home: Homeowners get a discount, even if we don't insure the home.
• Paying upfront: If you pay for your whole policy at once, you'll pay less.
• Driving carefully: Get a discount if you haven't had an accident or moving violation in the last three years.

See more Progressive RV insurance discounts.

How to get Illinois RV insurance