Maine RV insurance
Maine's beautiful coastline and collection of parks, trails, and lakes make it an ideal setting for RV traveling. But before you hit the road to explore the Pine Tree State, get a quote for RV insurance. Progressive offers affordable protection for you and your motorhome or travel trailer. Find all of the information you need for RV insurance in Maine, from legal requirements and discounts to 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.
Is RV insurance required in Maine?
If you drive a motorhome, RV liability coverage is required by Maine 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. Here are all of the coverages and minimum limits required by Maine law:
| Coverage | What it covers | Amount |
|---|---|---|
| Bodily injury liability coverage (BI) | What it coversInjuries you cause to another while driving your motorhome | Amount$50,000 per person $100,000 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 |
| Uninsured/underinsured motorist bodily injury (UM/UIM) | What it coversDamage to you and your passengers if hit by a motorist who is uninsured or underinsured | Amount$50,000 per person $100,000 per accident |
| Medical payments (Medpay) | What it coversMedical bills for you and your passengers, regardless of fault | Amount$2,000 per person |
Do you have to insure a camper in Maine?
If you're pulling a camper or travel trailer, Maine law requires that you carry auto liability coverage for the vehicle pulling your camper. Your auto liability coverage, however, won't cover damage to your travel trailer or motorhome. 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 Maine?
The average premium for a 12-month Maine RV insurance policy at Progressive for 2023 was $676.85 for a motorhome and $375.52 for a travel trailer. Progressive offers RV 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; 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.
Mainers 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 Maine?
Whether you're in Portland, Lewiston, Bangor, or any other city in Maine, the best RV insurance is an affordable policy with personalized coverage. Progressive is a leader in RV insurance, and we provide cheap RV insurance in Maine without compromising on the protection you need to properly cover your motorhome or travel trailer.
Looking for the cheapest RV insurance in Maine? See some of Progressive's RV insurance discounts:
Multi-policy discount
Advance quote discount
Association discount
Original owner discount
Responsible driver discount
More RV coverages available in Maine
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 Maine RVers
RVs and campers are allowed at all Maine State Park Campgrounds except Warren Island, according to the Maine Department of Agriculture, Conservation and Forestry.
Learn more about ten Maine destinations to see in an RV, per Visit Maine.
Get Maine RV insurance
Online
We'll ask about your RV and desired coverages, so you can get the right policy for you.
Get an RV insurance quote
Call a rep
You'll speak with a licensed representative who can help customize your quote.
Call 1-866-749-7436
Through an agent
If you want local advice, we'll connect you with a licensed, independent agent near you.
Find an agent in Maine
Hit the open road with RV insurance from Progressive
Learn more about our RV insurance offering.
