West Virginia RV insurance

For RV owners, West Virginia offers a variety of full and partial hookup campsites that allow you to explore the country roads and so much more. Whether you're staying in West Virginia, traveling across the country, or using your RV as your primary residence, Progressive delivers affordable protection for you and your motorhome or travel trailer. Learn everything you need to know about RV insurance in West Virginia, including what coverages are required by law, what discounts are available, and cost information.

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Do you need RV insurance in West Virginia?

If you drive a motorhome, RV liability coverage is required by West 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. Here are the coverages and limits required by West Virginia law:

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 (PD)	What it coversDamage you cause to another vehicle or property while driving your motorhome	Amount$25,000 per accident
Uninsured motorist bodily injury (UM)	What it coversDamage to you and your passengers if hit by at-fault motorist who is uninsured or underinsured	Amount$25,000 per person $50,000 per accident
Uninsured motorist property damage (UMPD)	What it coversDamages to your vehicle or property if hit by at-fault motorist who has no insurance	Amount$25,000 per accident

West Virginia also mandates underinsured motorist bodily injury and underinsured motorist property damage, but you may reject or lower these coverages with the submission of a signed form. Medical payments coverage (MedPay) is optional in West Virginia and can help pay for medical expenses for you or your passengers, even if you're at fault.

Do you have to have insurance on a camper in West Virginia?

The state of West Virginia requires that you carry auto liability coverage for the vehicle that pulls your camper. Your auto liability coverage, however, won't cover damage to your travel trailer. There are coverage options available for those who want further protection. Learn more about travel trailer insurance.

Comprehensive and collision coverage

If you're financing or leasing your motorhome or travel trailer, lenders typically require RV comprehensive and collision coverage. But even if you own your RV outright, comprehensive and collision can be worthwhile safeguards for 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 West Virginia?

The average premium for a 12-month West Virginia RV insurance policy at Progressive for 2023 was $836.56 for a motorhome and $533.40 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.

West 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 West Virginia?

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

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

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

More RV coverages available in West 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 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 West Virginia RVers

In West Virginia, you can live full-time in your RV if you have county vehicle registration and comply with local ordinances.
West Virginia's unique landscape and beautiful mountain setting make it a popular RV destination. See the top RV campsites in West Virginia from West Virginia Tourism.
There are several online services that allow you to rent an RV in West Virginia. Outdoorsy, RVShare, RVezy, and others provide new and used RVs to rent for your next adventure.