Mississippi RV insurance

Mississippi offers RV enthusiasts beaches, forests, and popular sporting events as settings for their next adventure. Whether you want to set up on the Gulf Coast or tailgate at an SEC football game, you can find the RV experience you're looking for in the Magnolia State. Progressive delivers affordable protection for you and your motorhome no matter what adventure awaits. Find out everything you need to know about RV insurance in Mississippi, including legal requirements, discounts, and cost information.

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Do you need RV insurance in Mississippi?

Before you're able to get behind the wheel of your motorhome, Mississippi requires that you carry RV liability coverage, which can pay for damages or injuries you cause on the road. Here are the coverages required by law and their associated minimum limits.

Coverage	What it covers	Amount
Bodily injury liability coverage (BI)	What it coversInjuries you cause to others 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 Mississippi also mandates uninsured/underinsured motorist bodily injury (UM/UIM BI) and uninsured motorist property damage (UM PD), but you may reject or lower these coverages with the submission of a signed form.

Do I need travel trailer insurance in Mississippi?

If you have a camper, also known as a travel trailer, the state of Mississippi requires you to carry auto liability coverage for the vehicle used to pull your camper. It's important to note that liability coverage won't cover damage to your travel trailer. You can purchase comprehensive and collision coverage to protect against RV damage, but they aren't required by state law. Learn more about travel trailer insurance.

Comprehensive and collision coverage

If you're financing or leasing your motorhome or travel trailer, lenders typically require that you carry RV comprehensive and collision coverage. But even if your RV is paid in full, comprehensive and collision may be worthwhile options, offering valuable protection against damage to what may be one of your most prized assets. These coverages may even cover up to the actual cash value of your RV if your motorhome or trailer is damaged 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 Mississippi?

The average premium for a 12-month Mississippi RV insurance policy at Progressive for 2023 was $1,168.60 for a motorhome and $703.43 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.

Mississippi residents 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 Mississippi?

Whether you're in Jackson, Gulfport, Southaven, or any other city in Mississippi, the best RV insurance is an affordable policy with customized coverage. Progressive is a leader in RV insurance, providing affordable RV insurance in Mississippi without sacrificing the protection you need to properly cover your motorhome or travel trailer.

Looking for cheap RV insurance in Mississippi? See some of Progressive's RV insurance discounts:

Multi-policy
Prompt payment
Association
Original owner
Senior driver

More RV coverages available in Mississippi

Get additional protection for your motorhome or travel trailer by adding the following optional coverages to your Progressive RV policy:

Total loss replacement: May cover 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 may pay 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.
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 Mississippi RVers

In Mississippi, if your RV has a Gross Vehicle Weight of 10,000 pounds or less, register the vehicle and receive your license plate from your local county Tax Collector's office.
If you're moving to Mississippi and your RV is registered in another state, you have 30 days to register your RV in Mississippi.
Looking for inspiration for your next RV adventure in Mississippi? Mississippi's tourism site offers a detailed guide of RV parks and campgrounds across the state.