Missouri RV insurance

Missouri boasts a strong RV culture with plenty of public spaces and even private RV resorts to welcome RVers across the state. Whether you're in the Lake of the Ozarks, Branson, or Mark Twain National Forest, Progressive delivers affordable protection for you and your motorhome or travel trailer. Learn everything you need to know about RV insurance in Missouri, including what coverages are required by law, what discounts are available, and cost details.

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Is RV insurance required in Missouri?

If you drive a motorhome, RV liability coverage is required by Missouri law and can pay for damages 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 limits required by Missouri law:

Coverage	What it covers	Amount
Bodily injury liability coverage (BI)	What it coversInjuries you cause to others while driving your motorhome	Amount$25,000 per person $50,000 per accident
Property damage liability coverage (PD)	What it coversDamage you cause to another vehicle or property while driving your motorhome	Amount$20,000 per accident
Uninsured motorist bodily injury (UM)	What it coversInjuries to you and your passengers if hit by an at-fault motorist who has no insurance	Amount$25,000 per person $50,000 per accident

Do you need insurance on a camper in Missouri?

If you have a camper, also known as a travel trailer, you're required to carry auto liability coverage for the vehicle you use to pull your camper. Note that liability coverage won't cover damage to your travel trailer. You can purchase comprehensive and collision coverage to protect against RV damage, but they aren't required by state law. 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. But even if your RV is paid in full, comprehensive and collision offers valuable protection against damage to what may be one of your most prized assets. These coverages may cover up to the actual cash value of your RV if your motorhome or trailer is damaged, stolen, 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 a vehicle, tree, fence, guardrail, or any object.

How much is RV insurance in Missouri?

The average premium for a 12-month Missouri RV insurance policy at Progressive for 2023 was $985.89 for a motorhome and $594.42 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.

Missouri residents 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 Missouri?

Whether you're in Kansas City, St. Louis, Springfield, or any other city in Missouri, the best RV insurance is an affordable policy with personalized coverage. Progressive is a leader in RV insurance, and we provide inexpensive RV insurance in the Show Me State without compromising on the protection you need to cover your motorhome or travel trailer.

Looking for the cheapest RV insurance in Missouri? See some of Progressive's RV insurance discounts:

Multi-policy
EFT
Paid in full
Original owner
Transfer

More RV coverages available in Missouri

Get additional protection for your motorhome or travel trailer by adding the following optional coverages to your Progressive RV policy:

Total loss replacement: Covers 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 pays 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 Missouri RVers

According to Missouri law, a standard Class F driver's license allows you to drive an RV as long as it's under 26,000 pounds gross vehicle weight.
To title and register a travel trailer in Missouri, you must submit the Certificate of Title or Manufacturer's Statement of Origin.
Looking for a few tips for your next Missouri RV adventure? The Missouri tourism office, Visit Missouri, provides some ideas on how to road trip in Missouri.