North Carolina RV insurance
North Carolina offers a wide variety of experiences for your next RV adventure. From the Appalachian Mountains to the Outer Banks, you can find outdoor activities, historic sites, and friendly people. And with Progressive, you can find affordable protection for your motorhome or travel trailer. Find out everything you need to know about RV insurance in North Carolina, including legal requirements, discounts, 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 North Carolina?
If you drive a motorhome, RV liability coverage is required by North Carolina 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 (BI) | What it coversInjuries you cause to others while driving your motorhome | Amount$50,000 per person $100,000 per accident |
| Property damage liability (PD) | What it coversDamage you cause to another vehicle or property while driving your motorhome | Amount$50,000 per accident |
| Uninsured motorist bodily injury (UM BI) | What it coversMedical bills for you and your passengers if hit by a motorist who has insufficient coverage or no insurance | Amount$50,000 per person $100,000 per accident |
| Uninsured motorist property damage (UM PD) | What it coversDamage to your vehicle or property if hit by a motorist who has no insurance | Amount$50,000 per accident |
Do you need insurance on a camper in NC?
North Carolina law requires that you carry auto liability coverage for the vehicle pulling your travel trailer. It's important to note that your auto liability coverage won't cover damage to your travel trailer. If you want to protect your travel trailer against damage, there are coverage options available. Learn more about travel trailer insurance.
Comprehensive and collision coverage
RV comprehensive and collision coverages are optional if you own your RV outright. But we understand the value that many motorhome or travel trailer owners place on their home away from home. It may be worthwhile to add comprehensive and collision coverage if you want to protect your RV against damage. These coverages may cover up to the actual cash value of your RV if it's damaged, stolen or totaled. If you're financing or leasing your RV, your lender likely requires comprehensive and collision coverages.
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 North Carolina?
The average premium for a 12-month North Carolina RV insurance policy at Progressive for 2023 was $1,003.46 for a motorhome and $559.11 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.
North Carolina RVers 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 North Carolina?
Whether you're in Charlotte, Raleigh, Greensboro, or anywhere else in North Carolina, the best RV insurance is an affordable policy with customized coverage. Progressive is a leader in RV insurance, and we provide affordable RV insurance in North Carolina without sacrificing the protection you need to cover your motorhome or travel trailer.
Looking for cheap RV insurance in North Carolina? See some of Progressive's RV insurance discounts:
Multi-policy discount
Advance quote discount
Original owner discount
Paid in full discount
Transfer discount
More RV coverages available in North Carolina
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 $5000
Fast facts for North Carolina RVers
North Carolina law states that no recreational vehicle should exceed 45 feet in length overall excluding bumpers and mirrors.
Need more information on RV camping in North Carolina? The NC Division of Parks and Recreation provides a detailed breakdown of camping sites and fees.
RV Share offers a comprehensive list of a few of the top RV destinations in North Carolina, including scenic routes and historic sites.
Get North Carolina RV insurance
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