Oregon RV insurance

Oregon is a natural playground for adventurous RVers looking to explore the Cascade Mountains, Columbia River Gorge, Silver Falls State Park, and more. No matter where you reside in Oregon, 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 Oregon, including legal requirements, discounts, coverages, and cost information.

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Do you need RV insurance in Oregon?

If you drive a motorhome, RV liability coverage is required by Oregon 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 Oregon law:

Coverage	What it covers	Amount
Bodily injury liability coverage (BI)	What it coversInjuries you cause to another 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$25,000 per accident
Uninsured/underinsured motorist bodily injury (UM/UIM)	What it coversDamage to you and your passengers if hit by an at-fault motorist who is uninsured or underinsured	Amount$25,000 per person $50,000 per accident
Personal injury protection (PIP)	What it coversMedical and funeral expenses, childcare, loss of income benefits, and essential services regardless of fault	Amount$15,000 per person

Do you need insurance on a travel trailer in Oregon?

Oregon 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 or camper against damage, there are coverage options available. Learn more about travel trailer insurance.

Comprehensive and collision coverage

If you're financing or leasing your motorhome or travel trailer, lenders typically require RV comprehensive and collision coverage. But even if your RV is paid in full, comprehensive and collision can be valuable safeguards 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 another vehicle, tree, fence, guardrail, or any object.

How much is RV insurance in Oregon?

The average premium for a 12-month Oregon RV insurance policy at Progressive for 2023 was $856.81 for a motorhome and $414.69 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.

Oregonians 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 Oregon?

Whether you're in Portland, Salem, Eugene, or anywhere else in Oregon, the best RV insurance is an affordable policy with customized coverage. A leader in RV insurance, Progressive provides affordable RV insurance in Oregon without sacrificing the protection you need to cover your motorhome or travel trailer.

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

Multi-policy discount
Advance quote discount
Association discount
EFT discount
Original owner discount

More RV coverages available in Oregon

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 $5000

Fast facts for Oregon RVers

Oregon limits trailer length to 45 feet, motorhome length to 45 feet, and combined length to 65 feet. Some Oregon highways restrict combined length to 60 feet and require a special permit.
Oregon State Parks provides a comprehensive FAQ if you're looking to explore Oregon via the state park system.
Looking for RV trip ideas in the Beaver State? Travel Oregon suggests this epic RV trip along the Oregon coast.