Mississippi RV insurance

Hitting the road in an RV is a great way to see The Magnolia State without leaving behind the comforts of home. Before you start exploring, though, you should consider insuring your RV. In Mississippi, RV insurance is required for many vehicles, and those that don't require RV insurance can still benefit from carrying a policy. Find out more about what Mississippi RV insurance can offer you and how you can save on coverages.

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What are Mississippi's RV insurance requirements?

Mississippi requires any RV that can operate independently to carry its own insurance. That means if you have a Class A, Class B, or Class C motorhome, you'll need to take out an RV policy that meets or exceeds the same liability coverage as a car:

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

If you tow your RV behind another vehicle rather than operating on its own – like travel trailers or pop-ups – the law doesn't require you to have liability coverage. Instead, the liability coverage of the towing vehicle includes your trailer.

Peace of mind doesn't have to cost a fortune. Progressive offers RV liability insurance starting from just $125/year! ^* Get an online RV insurance quote today.

Mississippi RV insurance coverages

Bodily injury and property damage liability coverage

Liability coverage protects others by paying for damages you cause when you're responsible for an accident. Bodily injury coverage may pay for others' medical bills, while property damage coverage may pay for repairs to buildings, vehicles, and other property. It can even pay for legal fees related to the incident.

Comprehensive and collision coverage

Comprehensive and collision, while not required by law, are usually required by financing agreements. If you're making payments on your RV, check the terms of your loan or lease agreement to understand what kind of coverage you’re required to carry.

Comprehensive coverage may pay for physical damage to your RV resulting from uncontrollable outside forces like vandalism, theft, fires, wildlife, and acts of nature. Comprehensive coverage is active regardless of whether the vehicle is in use, so you're protected even while the RV is parked.

Collision coverage may pay to repair damages resulting from a collision including a collision with another motorist, a parked car, a road sign, a building, or even with the roadway itself.

What if I live in my RV full-time?

Insurance is a little bit different if your RV is your primary residence. If you spend most of your time living in an RV, you should get full-time RV insurance. These policies carry most of the same coverage options as a recreational Mississippi RV insurance policy and offer additional coverages that cater to the full-timers life, including other protections while your RV is parked. Some of the differences include:

Personal liability: Unlike BI/PD, which is only active while you're operating the RV, full-time personal liability pays for damage you cause to others while the RV is parked.
Medical payments: Medical payments may pay for medical bills if guests, repair personnel, or other guests get hurt in or around your RV.
Loss assessment: This coverage may pay for costs associated with an RV association, like repairing or maintaining common areas after severe weather strikes.

Other Progressive RV coverages available in Mississippi

Tailor your Mississippi RV insurance policy with more convenient coverages including:

Total loss replacement can help pay to replace your old RV with a brand-new one if yours is deemed a total loss due to a covered event.

Roadside assistance can pay to get your RV to the nearest repair shop if it breaks down on or near the roadway.

Replacement cost/personal effects provides coverage for personal belongings like laptops, cell phones, or camera equipment that's inside the RV.

Emergency expense coverage can get you up to $1000 to pay for travel and hotel costs you're your RV is out of commission more than 50 miles from home.

Pet coverage protects animals with up to $1,000 of veterinary bills coverage if your pet gets injured in a covered incident.

Pest Damage Protection℠ can pay to repair damage caused by wild animals, including mice, raccoons, and birds.^**

Roof Protection Plus^® can pay for roof repairs or replacement, even if the damage is the result of standard wear and tear.^**

Find out more about our RV insurance coverage options.

How much is RV insurance in Mississippi?

Mississippi RV insurance rates account for lots of factors, including:

Type and model: More expensive RVs tend to cost more to insure. Newer, bigger RVs will typically cost more than smaller models, and motorhomes cost more than trailers.
Claims history: Your premium may be affected by the claims you make.
Use: The more time you spend using the RV, the more it'll cost to insure.

Learn more about how RV insurance rates are calculated.

Pro tip:

Delamination is a common problem for RVs and is not usually covered by insurance. Learn how to prevent delamination and keep your RV in great shape with frequent inspections.

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

Lower your cost for RV insurance in Mississippi with the following Progressive discounts:

Multi-policy: Bundle your Progressive policies and save.
Claim free renewal: Save on your renewal if you don't have any at-fault claims.
Responsible driver: Pay less if your driving history is clean for the last three years.

Find out more about Progressive’s RV insurance discounts.