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Is RV Insurance Required by Law?

rv insurance minimum coverage

If you are driving a Recreational Vehicle (RV) in California, or across the U.S., there is a certain amount of RV insurance you are required to have to legally drive your RV. This is known as the minimum amount of Liability Insurance in your RV insurance plan. This can vary from state to state, but just like driving a car, you are required to carry some level of RV insurance. Many RV owners also include additional coverage protection beyond the minimum, but this is not required. Here are some of the main things you should know regarding the minimum insurance required by law for RVs.

What is Required in RV Insurance?
For minimum coverage for your RV, liability insurance is required. This covers things like damage to property of others, bodily injury to others, lawsuits from accidents, and claims from people visiting your RV if you live in it. The amounts can vary by state laws.

What Coverage Should I Have for My RV?
Most RV owners prefer to go above the minimum insurance coverage requirement for RVs. Typically, this will include adding on collision and comprehensive insurance coverage to cover damages to your RV or bodily injury to yourself. Having this additional level of protection can help with repairs or replacement of your RV should you be in an accident and may help with medical bills if you are injured in an RV accident. With the minimum coverage, you are typically only covered for protection for other people and other people’s property, rather than coverage for yourself and your RV.

What Other Requirements Are There for RV Coverage?
In some unique situations, you may be required to have a higher minimum of RV insurance coverage. This is typically from situations like renting an RV, if you live in the RV full time, or if you financed the purchase of your RV.

If you have additional questions about getting the right amount of RV insurance coverage, contact our insurance experts today at 877-945-7233.