Utah RV insurance

What are Utah's RV insurance requirements?

RVs and trailers can be divided into two groups: those that can move under their own power (motorized) and those that need to be towed (non-motorized). For motorized RVs, which includes Class A, Class B, and Class C motorhomes, Utah law requires the same liability insurance coverage it does for cars:

• $25,000 in bodily injury per person
• $65,000 in total bodily injury per accident
• $15,000 in property damage per accident

Utah also requires personal injury protection (PIP) coverage for medical expenses, lost wages, and death benefits in case you're at fault in an accident. Non-motorized trailers like fifth-wheels, pop-ups, and travel trailers are covered by the liability coverage of the vehicle that's towing it.

What coverages are available with a Utah RV insurance policy?

Bodily injury and property damage liability coverage

Just like with auto insurance, liability is a mandated coverage for Utah RVs. Bodily injury liability coverage can pay for medical bills and legal fees if another person is hurt in an accident and you're deemed at fault. Property damage (PD) liability coverage applies when you're at fault for damaging other vehicles or property such as buildings, road signs, and more. You'll need at least the Utah-required minimum coverage amounts for BI and PD, and you can elect for even higher levels to protect more of your assets in case you're at fault in an accident.

Comprehensive and collision coverage

Even though comprehensive and collision coverages aren't required by law, lenders also may require you to carry them if you have an RV loan or lease. Check your financing agreement for more details, including minimum required coverage limits. Collision coverage can pay for repairs or replacement for your RV in the event of an accident, regardless of fault.

Collision coverage protects your RV or trailer from damage that results from collisions (except those involving wildlife, which are covered by comprehensive), regardless of who caused the accident. It can include collisions with other vehicles or objects like trees and road signs and accidents like rollovers.

Comprehensive coverage covers costs for repairing or replacing your RV or trailer when covered events beyond your control like vandalism, extreme weather, fire, and collisions with wild animals damage it. Comprehensive protects your RV even when it's parked or in storage, so it can be helpful even if you don't drive it much.

What if I live in my RV full-time?

When you live in an RV most or all of the time, you can get a level of insurance coverage that includes coverages you'd usually find on a homeowners insurance or renters insurance policy. Some additional coverages in full-time RV insurance policies include:

• Medical payments: Like medical coverage on a homeowners or renters policy, this coverage can pay for medical bills if guests hurt themselves in your RV or the area around it.
• Personal liability: The required minimum RV liability coverage usually only protects you while you're driving. If you live in your RV, full-time insurance can pay for damage you cause others while the RV is parked.
• Loss assessment: Get coverage for the fees charged by an association to cover the costs to repair the property where your vehicle is parked.

Other RV coverages available in Utah

Further customize your RV insurance policy with other optional coverages:

Roadside assistance can pay for a tow to the nearest repair shop if your RV gets a flat tire or breaks down.

Emergency expense coverage can pay for travel and hotel costs if your RV is inoperable due to a covered event when you're more than 50 miles from home.

Pest Damage Protection can help pay for repairs when a wild animal like a bird or raccoon damages your motorhome or non-stationary travel trailer, when the damage occurs more than 30 days after you get the coverage.^**

Roof Protection Plus® can pay for your motorhome or non-stationary travel trailer roof repair or replacement necessitated by covered damages (as long as they occur more than 30 days after the coverage goes into effect). It applies even if the damage is the result of normal wear and tear.^**

Total loss replacement can pay to replace your RV with a brand-new one if a covered accident renders your current rig (must be new and never titled or insured before) a total loss. If you decide not to replace it, you'll be reimbursed for the original purchase price. If your RV is older than five years, it will be covered for the amount specified on your policy.

Replacement Cost/Personal Effects can help you repair or replace belongings in the RV that have been lost or damaged during a covered incident.

Pet coverage can pay for up to $1,000 in veterinary expenses if your pet is injured in a covered accident.

Learn about all the available RV insurance coverages.

How much is Utah RV insurance?

Utah RV insurance rates depend on many factors. Some of the most significant ones include:

• Use: The more you use your RV, the more you're likely to pay to insure it.
• Claims history: Your history of making insurance claims can affect your rates.
• Type and model: Bigger, newer RVs are generally more costly to insure than smaller ones. Motorhomes are usually more expensive to insure than travel trailers.

Learn more about how RV insurance rates are calculated.

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

Discounts like these may be available to you in Utah:

• Multi-policy: Bundling multiple Progressive policies can help you save
• Original owner: If you're the vehicle's first owner, you'll pay less to insure it
• Paperless: Save by getting your documents and bills electronically

See all the RV insurance discounts we offer.

How to get Utah RV insurance