Ohio RV insurance

From the banks of Lake Erie to the Ohio River, the state of Ohio offers motorcycle enthusiasts an immersive experience. Progressive is proud to support the motorcycle community in the Buckeye State with affordable policies and coverages that make sense for you and your motorcycle. Here you'll find everything you need to know about motorcycle insurance in Ohio.

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Do you need RV insurance in Ohio?

If you drive a motorhome, RV liability coverage is required by Ohio 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.

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

While Ohio doesn't mandate coverage for uninsured/underinsured bodily injury or property damage, they can be crucial if you're involved in an accident with a driver who has no insurance or insufficient coverage.

Do you have to have insurance on a camper in Ohio?

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

Lenders typically require RV comprehensive and collision coverage if you're financing or leasing your motorhome or travel trailer. But even if your RV is paid in full, comprehensive and collision can be valuable safeguards against damage to what may be one of your most prized assets. These coverages may cover the actual cash value of your RV if your motorhome or trailer is damaged.

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 Ohio?

The average premium for a 12-month Ohio RV insurance policy at Progressive for 2023 was $742.31 for a motorhome and $452.27 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; 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.

From Cleveland to Cincinnati, Ohioans 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 Ohio?

Whether you're in Columbus, Dayton, Toledo, or any other city in Ohio, 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 the Buckeye State without compromising on the protection you need to properly cover your motorhome or travel trailer.

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

Multi-policy discount
Responsible driver discount
Paid in full discount
Original owner discount
Advanced quote

More RV coverages available in Ohio

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.
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 $750 for hotel and travel costs if your RV breaks down more than 50 miles from home.
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 Ohio RVers

In Ohio, you can live full-time in your RV, assuming your vehicle is parked on a lot that meets zoning requirements and permission has been obtained from local government.
Trailers in Ohio must be equipped with a minimum of two stoplights, visible from 500 feet to the rear.
Lots on the Ohio Turnpike can accommodate motorhomes with a length of up to 40 feet, as long as the motorhome is parked head-in or head-out.
The Buckeye State boasts over 125 campgrounds and RV parks.