Washington RV insurance

Washington state's natural beauty and wealth of outdoor activities make it a popular choice for RV enthusiasts across the country. Whether you prefer the rugged coastline of the Pacific Ocean or the rolling hills of the Palouse, you can find affordable protection for you and your motorhome or travel trailer with Progressive. Find out everything you need to know about RV insurance in Washington state, including legal requirements, discounts, coverages, and cost information.

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Is RV insurance required in Washington state?

If you drive a motorhome, RV liability coverage is required by Washington law and can pay for damage 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 (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$10,000 per accident

The state of Washington also mandates uninsured/underinsured motorist bodily injury coverage, underinsured motorist property damage coverage, and personal injury protection (PIP) coverage, but you may reject these coverages with the submission of a signed form.

Is insurance required on a travel trailer in Washington state?

Washington law requires that you carry auto liability coverage for the vehicle pulling your travel trailer. It's important to note that your auto liability coverage won't cover damage to your travel trailer. If you want to protect your camper against damage, there are coverage options available. Learn more about travel trailer insurance.

Comprehensive and collision coverage

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

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 does it cost to insure an RV in Washington?

The average premium for a 12-month Washington RV insurance policy at Progressive for 2023 was $824.12 for a motorhome and $403.21 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; 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.

Washingtonians 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 Washington state?

Whether you're in Seattle, Spokane, Tacoma, or any other city in Washington, the best RV insurance is an affordable policy with customized coverage. Progressive is a leader in RV insurance, and we provide affordable RV insurance in Washington without sacrificing the protection you need to cover your motorhome or travel trailer.

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

Multi-policy discount
Advance quote discount
Anti-theft discount
Passive restraint discount
Transfer discount

More RV coverages available in Washington

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, you may purchase additional emergency expense coverage 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 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 $5000

Fast facts for Washington RVers

You don't need a commercial driver's license (CDL) if you're driving an RV for non-commercial purposes, according to Washington state law.
Washington law no longer recognizes a permanently attached camper and pickup as a motorhome. The camper and the truck must have separate, individual titles and registrations.
It is legal to live full-time in your RV in the state of Washington, but laws vary by city. Check local regulations before settling.