Kentucky RV insurance

Q: What if I live in my RV full-time?

If you live in your RV full-time, you might need a bit more coverage than you would if you only use your RV during part of the year. Recreational Kentucky RV insurance only protects you and your RV during short trips, whereas full-time RV insurance coverage provides protection for those who spend more than six months in their RV. This coverage includes:

Q: How much is RV insurance in Kentucky?

Kentucky RV insurance rates are based on several factors, including: Type, age, and condition : Modern RVs tend to cost more to insure than older, smaller models. If your RV has a motor, it will likely be more expensive than a travel trailer. Location : Your geographic location plays a role in the cost of your RV insurance. Depending on the population and risk of damage to the RV, prices may be higher. Driving experience : If you've driven an RV for extended periods, you may qualify for lower rates than newer, more inexperienced RV drivers. Learn more about how RV insurance rates are calculated.

Kentucky's unique landscapes, with rolling hills, extensive cave systems, and sandstone cliffs make it a one-of-a-kind experience for RVers. From the Kentucky Bourbon Trail to the Red River Gorge, Progressive offers affordable protection for you and your RV on your next adventure in the Bluegrass State. Find all of the information you need for RV insurance in Kentucky, including legal requirements, coverages, discounts, and cost details.

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Is RV insurance required in Kentucky?

If you drive a motorhome, RV liability coverage is required by Kentucky 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$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$25,000 per accident

The state of Kentucky also mandates uninsured motorist bodily injury coverage (UM/UIM) and personal injury protection coverage (PIP), but you may reject or lower these coverages with the submission of a signed form.

Do you have to insure a travel trailer in Kentucky?

Kentucky 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. 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 wise option. These coverages protect against damage to your RV and may cover up to the total 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 Kentucky?

The average premium for a 12-month Kentucky RV insurance policy at Progressive for 2023 was $936.84 for a motorhome and $605.57 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.

RVers throughout Kentucky 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 Kentucky?

Whether you're in Louisville, Lexington, Bowling Green, or any other city in Kentucky, the best RV insurance is an affordable policy with personalized coverage. As a leader in RV coverages, Progressive provides cheap RV insurance in Kentucky without sacrificing the protection you need to properly cover your motorhome or travel trailer.

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

Multi-policy discount
Advance quote discount
Anti-theft discount
Military defensive driver discount
Senior safety course discount

More RV coverages available in Kentucky

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 Kentucky RVers

Kentucky's state parks and campgrounds offer full-service spaces as well as more remote locations. You can reserve a campsite at the Kentucky Tourism website.
Kentucky Tourism also offers a full list of campground rules and regulations for your next visit to a Kentucky state park.
If you're after a mix of Kentucky history and nature, tourism experts Nightborn Travel offer a one-week itinerary that explores both.