Virginia RV insurance

Virginia offers RV lovers a chance to explore mountains, beaches, the countryside, and more. From Virginia Beach to the Blue Ridge Parkway, Virginia delivers natural beauty and historic charm. No matter where your Virginia excursion takes you, Progressive offers affordable and reliable protection for you and your motorhome or travel trailer. Check out important information about RV insurance in Virginia, from legal requirements and discounts to coverages and cost information.

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Is RV insurance required in Virginia?

If you drive a motorhome, RV liability coverage is required by Virginia 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$30,000 per person $60,000 per accident
Property damage liability coverage (PD)	What it coversDamage you cause to another vehicle or property while driving your motorhome	Amount$20,000 per accident
Uninsured/underinsured motorist bodily injury (UM/UIM BI)	What it coversDamage to you and your passengers if hit by an at-fault motorist who has insurance or not enough coverage	Amount$30,000 per person $60,000 per accident
Uninsured motorist property damage (UMPD)	What it coversDamages to your vehicle or property if hit by an at-fault motorist who has no insurance	Amount$20,000 per accident

Do you need insurance on a camper in Virginia?

If you're pulling a travel trailer, Virginia law requires that you carry auto liability coverage for the vehicle pulling your camper. Your auto liability coverage, however, won't cover damage to your travel trailer. RV comprehensive and collision coverage are available options for those who want further protection. Learn more about travel trailer insurance.

Comprehensive and collision coverage

RV collision and other than 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 collision and other than collision coverage if you want to protect your RV against damage and loss. If you're financing or leasing your RV, your lender likely requires collision and other collision coverages.

Other than collision coverage, "comprehensive" coverage as called in most other states, 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 Virginia?

The average premium for a 12-month Virginia RV insurance policy at Progressive for 2023 was $999.93 for a motorhome and $452.13 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.

Virginians 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 Virginia?

Whether you're in Chesapeake, Norfolk, Richmond, or any other city in Virginia, the best RV insurance is an affordable policy with personalized coverage. Progressive is a leader in RV insurance, and we provide affordable RV insurance in Virginia without compromising on the protection you need to properly cover your motorhome or travel trailer.

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

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

More RV coverages available in Virginia

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 Virginia RVers

In Virginia, you can register a travel trailer annually, bi-annually, or permanently. The registration fee is based on the gross weight of the trailer and the registration period selected.
Virginia law states that trailers with a weight of 3,000 pounds or more must be equipped with driver-controlled brakes.
Virginia Tourism offers a quick guide to all of the RV and camping information you need to know, including campgrounds, national parks, and outdoor activities by location.