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

Iowa RVers may save with Progressive discounts, such as: Multi-policy : Pay less if you have multiple Progressive policies. Pay in full : Customers who pay up front pay less. Continuous insurance : Get a discount if you're already insured when you start with Progressive. Homeowner : Get a discount for owning a home, even if you don't insure it with us. See all of the RV insurance discounts we offer.

Iowa RV insurance

Iowa's wide-open spaces offer RVers plenty of room to roam. From Lake Okoboji to the Mississippi River, Progressive is here to offer affordable protection for you and your RV on your next adventure, no matter where you reside in Iowa. Find all of the information you need for RV insurance in Iowa, from legal requirements and discounts to coverages and cost information.

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Is RV insurance required in Iowa?

If you drive a motorhome, RV liability coverage is required by Iowa 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.

Coverage	What it covers	Amount
Bodily injury liability coverage (BI)	What it coversInjuries you cause to another while driving your motorhome	Amount$20,000 per person $40,000 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 Iowa also mandates uninsured/underinsured motorist bodily injury coverage (UM/UIM), but you may reject or lower this coverage with the submission of a signed form.

Do you have to insure a camper in Iowa?

Iowa requires that you carry auto liability coverage for the vehicle that pulls your travel trailer. Your auto liability coverage, however, won't cover damage to your travel trailer, also referred to as a camper. There are coverage options available for those who want further protection. Learn more about travel trailer insurance.

Comprehensive and collision coverage

If you're financing or leasing your motorhome or travel trailer, it's likely that your lender requires RV comprehensive and collision coverage. Even if you own your RV outright, comprehensive and collision coverages could be a worthwhile option. These coverages protect against damage to your RV and may cover up to 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 Iowa?

The average premium for a 12-month Iowa RV insurance policy at Progressive for 2023 was $784.02 for a motorhome and $599.33 for a travel trailer. Progressive offers RV liability-only policies starting at just $125/year,^* but your cost for RV insurance depends on several factors, including:

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.

Iowans 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 Iowa?

Whether you're in Des Moines, Cedar Rapids, Sioux City, or any other city in Iowa, the best RV insurance is an affordable policy with personalized coverage. A leader in RV coverages, Progressive provides cheap RV insurance in Iowa without sacrificing the protection you need to properly cover your motorhome or travel trailer.

Looking for the cheapest RV insurance in Iowa? See some of Progressive's RV insurance discounts:

Multi-policy discount
Advance quote discount
Transfer discount
Original owner discount
Responsible driver discount

More RV coverages available in Iowa

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 Iowa RVers

Per Iowa law, the combined length of your towing vehicle and trailer should not exceed 70 feet.
According to Iowa law, every travel trailer with a gross weight of 3,000 pounds or more must have brakes capable of controlling the movement of and stopping and holding the travel trailer.
Iowa tourism site Travel Iowa offers a guide to RV camping in Iowa.