Michigan RV insurance
Michigan is one of the country's hidden gems, offering RVers a chance to experience beaches, forests, dunes, and mountains in one trip. Before you explore Detroit, Traverse City, or the U.P., get a quote for RV insurance. Progressive is here to help you find the affordable protection you need for you and your motorhome or travel trailer. Find out everything you need to know about RV insurance in Michigan, including legal requirements, discounts, coverages, and cost information.
Explore Progressive's editorial standards for Answers articles to find out why you can trust the insurance information you find here.
Do you need RV insurance in Michigan?
If you drive a motorhome, RV liability coverage is required by Michigan law and can pay for damage 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 minimum limits required by Michigan law:
| Coverage | What it covers | Amount |
|---|---|---|
| Bodily injury liability coverage (BI) | What it coversInjuries you cause to another while driving your motorhome | Amount$50,000 per person $100,000 per accident |
| Property damage liability coverage (PD) | What it coversDamage you cause to another vehicle or property while driving your motorhome | Amount$25,000 per accident |
| Personal injury protection (Medical) | What it coversCertain medical expenses related to an accident regardless of who is at fault | Amount |
| Personal injury protection (Work loss & replacement services) | What it coversLost income and ordinary/necessary tasks when a person is injured in an accident regardless of who is at fault | Amount |
Do you have to have insurance on a travel trailer in Michigan?
Michigan law requires that you carry auto liability coverage for the vehicle pulling your travel trailer. It's important to note that your auto liability coverage won't cover damage to your travel trailer. If you want to protect your travel trailer against damage, there are coverage options available. Learn more about travel trailer insurance.
Comprehensive and collision coverage
Lenders typically require RV comprehensive and collision coverage if you're financing or leasing your motorhome or travel trailer. If you own your RV outright, comprehensive and collision coverages are optional. But they may be worthwhile options for RV owners who want to protect their prized asset against damage. These coverages may cover up to the actual cash value of your RV if your motorhome or trailer is stolen, damaged, or totaled.
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 does it cost to insure an RV in Michigan?
The average premium for a 12-month Michigan RV insurance policy at Progressive for 2023 was $1009.82 for a motorhome and $428.07 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.
Michiganders 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 Michigan?
Whether you're in Detroit, Grand Rapids, Ann Arbor, or any other city in Michigan, the best RV insurance is an affordable policy with customized coverage. Progressive is a leader in RV insurance, and we provide affordable RV insurance in Michigan without sacrificing the protection you need to cover your motorhome or travel trailer.
Looking for the cheapest RV insurance in Michigan? See some of Progressive's RV insurance discounts:
Multi-policy
Advance quote discount
Association discount
Original owner discount
Transfer discount
More RV coverages available in Michigan
Get additional protection for your motorhome or travel trailer by adding the following optional coverages to your Progressive RV policy:
Total loss replacement: May cover 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 may pay 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 $5,000
Fast facts for Michigan RVers
Michigan law states that if your trailer weighs more than 2,500 lbs., you must obtain a title from the Michigan Secretary of State. All trailers, regardless of weight, must be registered and display a valid license plate.
In Michigan, you may be able to live full-time in an RV if it's on your property and it's an emergency. Be sure to check local regulations.
Looking for RV trip ideas in the Great Lakes State? Pure Michigan has compiled a few ideas for your next adventure.
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