In some states, travel trailer insurance is not legally obligated since these trailers are not vehicles that you drive. In other states, if you have your vehicle already insured, you may not have to have a separate insurance policy for the trailer being towed behind your car. On the other hand, some states will legally require you to have trailer insurance. However, regardless of what state you are in, it’s important to keep in mind the benefits of having travel trailer insurance and the unexpected events it may cover compared to your personal car insurance. So, we will help you understand these benefits plus how much insurance on a travel trailer costs in the United States.

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What is travel trailer insurance?

Travel trailer insurance provides coverage for a travel trailer, which includes protection against damage, theft, and accidents involving the trailer. It typically covers physical damage, liability, and sometimes personal belongings inside the trailer. This kind of auto insurance will help in covering financial losses from repairs to replacements if your trailer or property is damaged due to an accident, vandalism, or bad weather. So, without this insurance, you would be responsible for potentially high repair costs, legal fees, or replacement expenses, making it essential for any trailer owner.

What does travel trailer insurance cover?

Coverage for a travel trailer can vary depending on the insurance provider and the policy your choose, but generally, the following are the most common types of coverage offered in the USA:

• Liability coverage: This insurance policy provides protection specifically for any third-party bodily injuries or property damage resulting from an accident or collision.
• Collision Coverage: With collision coverage, you are sure that your provider will protect your trailer from damages resulting from a collision, whether it involves another vehicle, another trailer, or a stationary object.
• Comprehensive Coverage: If your travel trailer is damaged due to factors beyond your control, such as theft, vandalism, fires, or severe weather, your insurance policy will help cover the repair costs.
• Medical Payments: In the event of an accident or collision, medical coverage will provide protection for you and your passengers against any bodily injuries sustained while in the trailer.
• Uninsured or Underinsured Motorist Coverage: If you are hit by another vehicle and the other driver is at fault, this coverage will pay for damages to your trailer if the at-fault driver has insufficient insurance.
• Roadside Assistance: In the event that your trailer needs to be towed from the road.

How much is travel trailer insurance?

The cost of travel trailer insurance varies based on different factors and policy providers. For example, Progressive’s average premium for a 12-month RV insurance policy in 2022 was $573 for a travel trailer, which translates to approximately $48 per month or an annual payment. Typically, you can expect to pay between $200 and $600 per year, depending on various influencing factors. To find affordable travel trailer insurance, compare quotes from different providers and select the one that offers the best value for your needs.

What factors affect the cost of travel trailer insurance?

Here are some of the factors that will determine how much you pay for insurance on your travel trailer:

• Trailer Type and Model: Certain trailers are more expensive to insure due to their design and use, which can lead to higher or lower insurance costs based on the trailer type.
• Location: Insurance costs vary by state and region due to differences in local costs, coverage benefits, and limitations.
• Usage: The frequency of use impacts insurance costs; frequent users may face higher premiums compared to those who use their trailers less often.
• Driving Experience: More experienced drivers typically pay lower premiums due to lower risk levels, whereas inexperienced drivers often face higher costs.
• Driver’s Age and Gender: Insurance costs can also vary based on the driver’s age and gender.-
• Coverage Levels: Costs differ depending on the level of coverage chosen, whether it’s just liability or full coverage.

Companies that provide travel trailer insurance

1. Progressive

Progressive is a well-regarded travel trailer insurance provider in the USA, known for offering extensive coverage options. Their policies safeguard you and your trailer from various road risks, providing peace of mind while traveling. Standard coverage includes collision, comprehensive, uninsured and underinsured motorist protection, liability, and medical payments. Additionally, their extra RV coverage provides further protection, such as up to $750 for expenses like transportation, hotel costs, food, and fuel.

2. Allstate

Allstate offers affordable insurance coverage for a number of trailer types which include; fifth-wheels, pop-up campers, and toy haulers. The coverages provided include liability coverage for third parties, collision coverage incase your travel trailer gets damaged on the road, comprehensive coverage , personal injury protection coverage (PIP), medical payments coverage and a lot more. With their policy discounts you can also utilize them and save on your RV insurance and have a peace of mind while traveling.

3. Good Sam

Another great travel trailer insurance provider is Good Sam that has a wide range of travel trailer coverages ie collision coverage incase your RV gets damaged, medical payments for both you and your passengers incase of any injuries ,comprehensive Coverage and many more. You can also enjoy insurance coverage benefits for your personal effects of upto $3000 that covers reimbursement incase your property gets damaged. Just like other insurance companies, Good Sam also offers coverage discounts of upto 20% if you insure your autos and RV.

4. Nationwide

Get your travel trailer covered with the right travel trailer insurance and with Nationwide, you can be rest assured you’ll get the right coverage. Their Coverage extends to coverage for bodily Injury, property damages, collision, comprehensive and medical payments. Alongside the standard coverages, you can also opt to include optional coverages like towing & labor, vacation liability and safety glass replacement coverage which covers the replacement costs of your RV windshield.

5. Geico

With Geico travel trailer insurance, you can get tailored RV insurance coverages that are specifically designed to protect you while on the road. They offer a number of coverage benefits like collision coverage, comprehensive and liability coverage fir any third parties. With their replacement cost personal effects, you will get upto $5000 coverage, with additional Coverages of $100,000 for additional premium. There’s also the special windshield deductible which covers the repair costs of your windshield.

6. National General insurance

Travel trailer insurance coverage offered by National General insurance provides you and your Rv with a wide range of protection from the different travel road risks. For instance, you can get up to $3000 of coverage benefits for your personal belongings. Additionally coverages include full replacement cost coverage that is provided for instances where your travel trailer gets damaged completely or stolen. There are also a number discounts that are offered to help you save on your insurance coverage.

7. Foremost insurance group

As a farmers insurance group, Foremost offers insurance coverage for a number of trailers Including travel trailer, fifth-wheels ,motorhomes and more. Under their travel trailer insurance, coverage is provided for any collisions or accidents that damages your RV, comprehensive Coverage , bodily Injury and property damage coverage which is any other parties who may get involved in the collision. Incase you are interested in getting a quote, you can simply request for it online from the website.

8. State Farm

Get a free travel trailer insurance quote from state Farm and enjoy a wide range of coverages benefits for your trailer. This insurance coverage offered is for a number of trailer types like the travel trailer, camper, teardrop and a fifth wheel. Coverages benefits provided includes coverage for emergency road service, medical payments for bodily Injuries incurred , repair costs for damages caused to the trailer due to a collision or accident. For your properties in the trailer like jewelry, cameras and personal properties you can be rest assured they’re also covered with a personal articles policy.

9. Auto owners

Coverages offered for your travel trailer under auto owners insurance include contents coverage that protects your contents within the trailer, roadside assistance, collision and comprehensive Coverages. Incase your are unable to stay in Rv because of repairs being done to it, you are covered from costs of Lodging under the additional expenses coverage. Policy discounts that can help you reduce the costs of insurance coverages is also offered

10. Safeco

Safeco offers an extensive travel trailer insurance coverage to meet all of your travel needs. Their policy comes with a wide range of standard and optional coverages. With the standard coverage, you’ll get protection for your personal belongings within the Rv and Audio-Visual and Custom Equipment Coverage. Optional coverages offered include personal effects, loan or lease protection coverage and emergency assistance coverage. A number of policy discounts that you can utilise and save on your travel trailer insurance costs.

Editor’s Remarks

Your travel trailer being your house while on a vacation road trips, it requires adequate protection against unexpected events while in the wilderness. These include natural disaster, falling objects like trees, accidents, theft or vandalism and other unforeseen events. So while you are considering taking a road trip with your trailer, we recommend that you opt in for an insurance policy to protect it from these risks.

Frequently Asked Questions