South Carolina RV insurance

South Carolina is an RVer's paradise with Myrtle Beach, Charleston, and the Blue Ridge Mountains delivering an experience that fits your taste. Whether you want to hit the beach, take in historic architecture, or have a home base for outdoor excursions, Progressive offers the affordable protection you can count on for your motorhome or travel trailer. Check out important information about RV insurance in South Carolina, from legal requirements and discounts to coverages and cost information.

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Is RV insurance required in South Carolina?

If you drive a motorhome, RV liability coverage is required by South Carolina 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 required coverages in South Carolina and their limits.

Coverage	What it covers	Amount
Bodily injury liability (BI)	What it coversInjuries you cause to others while driving your motorhome	Amount$25,000 per person $50,000 per accident
Property damage liability (PD)	What it coversDamage you cause to another vehicle or property while driving your motorhome	Amount$25,000 per accident
Uninsured motorist bodily injury (UMBI)	What it coversInjuries to you and your passengers if you're hit by a motorist who has no insurance	Amount$25,000 per person $50,000 per accident
Uninsured motorist property damage (UMPD)	What it coversDamage to your vehicle or property if hit by a motorist who has no insurance	Amount$25,000 per accident

The state of South Carolina also mandates underinsured motorist bodily injury (UIMBI) and underinsured motorist property damage (UIMPD), but you may reject or lower these coverages with the submission of a signed form.

Do you need insurance on a travel trailer in South Carolina?

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. 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 cover up to the actual cash value of your RV if your motorhome or trailer is damaged, totaled, 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 South Carolina?

The average premium for a 12-month South Carolina RV insurance policy at Progressive for 2023 was $924.13 for a motorhome and $476.75 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.

South Carolinians 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 South Carolina?

Whether you're in Charleston, Columbia, Mount Pleasant, or any other city in South Carolina, the best RV insurance is an affordable policy with customized coverage. Progressive is a leader in RV insurance, and we provide inexpensive RV insurance in the Palmetto State without sacrificing the protection you need to cover your motorhome or travel trailer.

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

Multi-policy discount
Defensive driver course discount
Original owner discount
Responsible driver discount
Prompt payment discount

More RV coverages available in South 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.^**