Georgia RV insurance

What are Georgia's RV insurance requirements?

In Georgia, RVs that can move under their own power (motorhomes) need to meet the same minimum insurance requirements as cars. If your RV is a Class A, Class B, or Class C motorhome, you'll need a policy with minimum coverage limits of at least:

• $25,000 in bodily injury per person
• $50,000 in total bodily injury per accident
• $25,000 in property damage per accident

In addition to these required minimums, Georgia insurers are required to offer motorists uninsured motorist protection for Bodily Injury (UMBI) and Property Damage (UMPD) in the event you're in an accident with a driver who doesn't have insurance. The UM minimum limits are:

• UMBI: $25,000 per person, $50,000 per accident
• UMPD: $25,000 with a $250, $500, or $1,000 deductible

You can choose to reject UMBI and UMPD coverages.

Unlike motorhomes, RVs that are towed – like travel trailers, pop-ups, and cargo trailers – aren't required to carry any of these coverages. Instead, any damage caused by your non-motorized RV would be included under the liability coverage of the vehicle that's towing it. However, that doesn't mean you should leave your travel trailer uninsured. Towing a trailer requires more skill and concentration than driving a car. Optional insurance coverages for your trailer can protect you and your investment if something unexpected happens.

What's included in a Georgia RV insurance policy?

Bodily injury and property damage liability coverage

Liability coverage may pay for damages you cause others, up to the limits established in the policy. Bodily injury pays for medical bills, and property damage pays for damage to vehicles, buildings, and even legal fees related to the incident. The required coverage limits are minimums, but you may want to increase your coverage limits in order to better protect your assets.

Comprehensive and collision coverage

Comprehensive and collision coverages aren’t required by law but may be required by your loan or lease agreement.

Comprehensive coverage may pay for repairs when your RV is damaged by a force outside of your control, such as: fire, theft, vandalism, wildlife, or acts of nature.

Collision coverage may pay to repair the damage that's the result of a collision, including: accidents with other motorists, collisions with parked cars, and even single-driver collisions like rollovers or hitting a road sign during a wide turn.

What if I live in my RV full-time?

When your RV is your primary residence, you may want to consider what are called full-timers policies. Many of the coverages will be the same as those found on a recreational RV insurance policy in Georgia. Full-time RV insurance also offer some additional protections similar to those found on homeowners insurance. Some of the key distinctions are:

• Personal liability: Legally mandated BI/PD coverage only protects you while you're driving. Full-time personal liability also covers damage you cause others while the RV is parked.
• Medical payments: If guests, repair personnel, or others hurt themselves in or near your RV, medical payments coverage may pay for their medical bills.
• Loss assessment: This coverage may pay for costs from your RV association, like costs to restore or repair common areas.

Other Progressive RV coverages available in Georgia

There are lots of other optional coverages. Customize your Georgia RV insurance with coverages like:

Total loss replacement may help pay for a brand-new RV if yours is totaled in a covered incident.

Roadside assistance covers costs to tow you to the nearest repair shop if your RV is incapacitated on or near the roadway.

Replacement cost/personal effects protects property inside the RV – like cellphones, instruments, or other belongings – up to the specified coverage limit.

Emergency expense can pay for hotel and travel costs if your RV becomes inoperable due to a covered event when you're more than 50 miles from home.

Pet coverage pays for up to $1,000 of veterinary bills if your pet is injured in a covered event.

Pest Damage Protection℠ pays for damage caused by wild animals like rodents or birds.^**

Roof Protection Plus® pays to repair or replace your motorhome's roof, even if the damage is considered normal wear and tear.^**

Learn more about our available RV insurance coverages.

How much is RV insurance in Georgia?

Rates for RV insurance in Georgia vary and are calculated based on a lot of factors, including:

• Type and model: More expensive RVs typically cost more to insure because they usually cost more to repair or replace. Insurance for larger, newer motorhomes with many amenities will generally cost more than insurance for travel trailers.
• Claims history: Making claims can impact your premium.
• Use: Full-timers and RV owners who tour for several months of the year will usually pay more than someone who only uses their RV for a few short getaways each year.

Learn more about the cost of RV insurance .

How can I get lower rates for RV insurance in Georgia?

Discounts vary from one state to another, but Georgia RV owners may be able to benefit from our discounts including:

• Original owner: If you're the RV's first owner, you'll pay less.
• Pay in full: Pay your policy upfront, and it'll cost less.
• Continuous insurance: Get a discount for already being insured when you start a policy with us.

See more of our RV insurance discounts.

How to get RV insurance in Georgia