Arizona RV insurance
With incredible scenery from Grand Canyon National Park to Quartzsite, Arizona has a lot to offer RVers, including a sense of community. No matter what you use your RV for, be it vacationing, camping, or as a full-time residence, Progressive is happy to provide you with affordable and reliable coverage to protect you and your motorhome or travel trailer. Read on for everything you need to know about RV insurance in Arizona, including what you’ll need legally, coverage options, and information about discounts and costs.
Do you need travel trailer insurance in Arizona?
If you’re towing a travel trailer, then if you’re complying with Arizona law you carry some auto liability coverage of the vehicle towing your trailer. Your auto liability coverage, however, won’t protect your travel trailer from damage. For additional security, RV comprehensive and collision coverage can also be recommended. Read more about travel trailer insurance.
Do You Need RV Insurance?
RV insurance is different from car insurance. That’s why motorhomes, travel trailers and campers require custom coverage. Our RV insurance offers you much of the same coverage you get with car insurance, but provides additional protection based on the risks that RVs are more likely to encounter.
RV Insurance Coverages
RV insurance coverage types You can customize your RV insurance policy with a few coverage types, including:
Medical payments: This covers the treatment or recovery costs if you or your passengers are injured in a car accident.
Collision damage: This asistance pays for your repair costs if your RV is damaged in an accident.
Bodily injury: If you are in an accident with your RV and others are injured, this coverage pays for their medical bills.
Property damage: If your RV or trailer damages another person’s property (for example, their car or home), this coverage can help cover their repairs.
Contact a rep at 800-555-2510 to answer any questions you may have and find out more about how to protect your RV.
RV Insurance Benefits
Cost of RV insuranceEnjoy excellent RV insurance rates & savings with The Hartford’s Nutmeg Insurance Agency. You might even qualify for additional benefits, including:
Total Loss Settlement: If you could save your RV, this pays for the replacement cost for one of like kind and quality, from the same manufacturer, in the first five model years. So, if your new RV ends up as a complete loss, replacement coverage can cover that new one.
Emergency Expense Reimbursement: If you have a covered loss more than 50 miles away from your home, you will be reimbursed for temporary housing, travel expenses, and the costs to return your motor home to your home or storage place.
Full Timer Liability Coverage — If you are full-timing in your RV, this coverage gives you Personal Liability just like a homeowners policy. So if you rent a space and use your motor home as your full-time abode, you can rest assured that you’re covered. You may also add Medical Benefits which provide cover against accidental injuries whilst
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Comprehensive and collision coverage
RV comprehensive and collision coverages are no longer mandatory if you own your RV outright. But we know how important an RV can be for so many motorhome or travel trailer owners, their home away from home. If you’d like to protect your RV from damage, theft and loss, you may consider adding comprehensive and collision coverage. Exceptions are for those of you financing or leasing your RV — your lender will likely require comprehensive and collision coverages.
Comprehensive covers such events that are out of your control, like RV theft, vandalism, fire, hitting an animal and weather-related events. Collision protects your RV if you hit another vehicle, tree, fence, guardrail, or other object.
How much does RV insurance cost in Arizona?
The average cost of a 12-month Arizona RV insurance policy was $1,026.84 for a motorhome and $498.85 for a travel trailer with Progressive in 2023. Progressive* RV offers the liability-only policies for as little as $125/year,*Read the claim disclosure.
However, the cost of RV insurance quote depends on several factors like:
Type and model: The more you pay to repair or replace your RV, the more it costs to insure. Newer, larger RVS tend to be more expensive than smaller, used RVs: Motorhomes generally cost more than travel trailers or pop-ups.
- Claims history: Whether you have a past of filing insurance claims could affect your rate.
- Driving record: Violations can raise your policy’s cost.
- Location: Where you live can be a factor in how much your RV insurance will cost.
Arizonans save when they bundle with Progressive. Get a multi-policy discount for purchasing RV insurance along with auto, homeowners, renters, boat, or motorcycle.PERMISSION_REQUEST
What is the best RV insurance in Arizona?
Whether you live in Phoenix or Scottsdale, Tucson, or elsewhere throughout Arizona, the best RV insurance is an affordable policy with coverage tailored specifically for you. Progressive offers affordable RV insurance in Arizona without skimping on the coverage you need to adequately protect your motorhome or travel trailer.
Cheap RV Insurance in Arizona — That’s What We’d Like to Find! Here are some of Progressive’s RV insurance discounts:
- Multi-policy discount
- Advance quote discount
- Association discount
- Original owner discount
- Transfer discount
- Additional Arizona RV coverages offered
Keep your motorhome or travel trailer as safe as possible by adding these optional coverages to your Progressive RV policy:
Total loss replacement: Will cover the cost of a brand new motorhome or travel trailer if your motor home is totaled, and the vehicle is less than five years old. Beyond that, the coverage will pay whatever is stated on your policy. Total loss replacement is an option for new RVs that have never been titled.
Roadside assistance: Will pay for tow if you have a dead battery, or flat tire, etc.).
Replacement cost/personal effects: Covers personal belongings in your motorhome or travel trailer, to a limit, such as your smart phone, camping gear or television.
Emergency expense: Reimburses up to $2,000 for hotel and travel expenses when your RV breaks down more than 50 miles from home. The minimum amount of coverage is $750. If you have a full-timer’s policy, emergency expense coverage might pay as much as $7,500.
Vacation liability: When you’re on vacation, if someone is injured in or around your motorhome or travel trailer, you may be covered for up to a specific amount.
Pet injury: Reimburses up to $1,000 in vet bills under a hit-and-run or RV accident, no deductible.
Pest damage protection: Covers damage repairs, up to a certain amount, if a wild animal destroys your RV. *Read the accompanying disclosure on this claim.
Roof Protection Plus®: May pay to repair or replace your motorhome’s damaged roof, including damage caused by normal wear and tear. **Read this claim’s associated disclosure.
Learn more about our RV insurance options.
What if I live full time in my RV?
If you live in your RV full-time, you might need coverage beyond what a standard recreational RV policy provides. But a full-time RV insurance policy can provide coverage when your RV is being used as your main home with the below coverages:
Personal liability: Liability coverage on a full-timers policy can help protect you from liability claims if you cause someone else’s injuries or damages, even if your RV is parked
Medical payments: If somebody injures themselves in or around your RV, medical payments coverage could cover their medical bills
Loss assessment: This coverage will reimburse you for fees or charges from your RV association, up to $5,000.
Fast facts for Arizona RVers
Under Arizona law, RVs cannot be longer than 45 feet.
While living in your RV full-time is not outlawed in Arizona, ensure you check the local laws and regulations before you decide to settle.
Arizona is one of the best states for RVing in the country. Visit Arizona State Parks and Trails’ top site picks for RV camping.
