North Dakota RV insurance

North Dakota is full of hidden gems ready to be discovered during your next RV adventure in the Peace Garden State. Before you hit the road for Fargo, Dickinson, or anywhere between, you need RV insurance that protects at a price that doesn't break the bank. Progressive offers affordable protection for you and your motorhome or travel trailer. Find all of the information you need for RV insurance in North Dakota, from legal requirements and discounts to coverages and cost information.

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Do you need RV insurance in North Dakota?

If you drive a motorhome, RV liability coverage is required by North Dakota 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 the coverages required by North Dakota law:

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
Uninsured/underinsured motorist bodily injury (UM/UIM)	What it coversInjuries to you and your passengers if hit by a motorist who is uninsured or underinsured	Amount$25,000 per person $50,000 per accident
Personal injury protection (PIP)	What it coversMedical bills for you and your passengers, regardless of fault	Amount$30,000 per person

Do you have to have insurance on a camper in North Dakota?

If you have a camper, also known as a travel trailer, you're required to carry auto liability coverage for the vehicle you use to pull your camper. Note that liability coverage won't cover damage to your travel trailer or motorhome. 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, it's likely that your lender requires RV comprehensive and collision coverage. Even if your RV is paid in full, comprehensive and collision coverages could be a worthwhile option. These coverages may cover the actual cash value of your RV if your motorhome or trailer is stolen or damaged beyond repair.

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 Dakota?

The average premium for a 12-month North Dakota RV insurance policy at Progressive for 2023 was $767.10 for a motorhome and $644.98 for a travel trailer. Progressive offers RV liability 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; 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.

North Dakotans 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 Dakota?

Whether you're in Bismarck, Minot, Grand Forks, or any other city in North Dakota, 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 North Dakota without compromising on the protection you need to properly cover your motorhome or travel trailer.

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

Multi-policy discount
Advance quote discount
Paid in full discount
Original owner discount
Prompt payment discount

More RV coverages available in North Dakota

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 follow 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 North Dakota RVers

According to North Dakota law, a travel trailer is required to have two tail lamps, two reflectors (one on each side), and one stoplight.
You may live full-time in your RV in North Dakota, but you must comply with all local laws and regulations.
Looking for your next RV adventure in North Dakota? Check out this eight-day RV itinerary compiled by North Dakota Tourism and Marketing.