Is RV Insurance Required by Law?

a person driving their RV, wondering if they're required to have RV insurance or not

When it comes to RV ownership, one of the most common questions is whether insurance is required by law. The answer depends on a variety of factors, including the type of RV, how it’s used, and where you live. This article breaks down the legal requirements for RV insurance across different states, helping you stay compliant and protected.

What Does the Law Say?

In general, if your RV is a motorhome (Class A, B, or C), most states will require you to carry minimum liability insurance, just like a standard vehicle. This is because motorhomes are self-propelled and used on public roads, making them subject to the same insurance laws as cars and trucks.

However, if your RV is a towable unit, such as a travel trailer, fifth wheel, or pop-up camper, the laws can vary more significantly. Some states don’t require insurance for these types of RVs because they are considered part of the towing vehicle when on the road. Nevertheless, insurance is highly recommended to protect against damage, theft, and other risks.

States Requiring RV Insurance

The following states require insurance for all motorhomes and may have specific requirements for towable RVs as well:

  • California
  • Florida
  • New York
  • Texas
  • Washington

Each of these states mandates that motorhomes have at least the state’s minimum liability coverage. For towable RVs, the insurance requirements may vary, especially if the RV is financed.

States with No Specific RV Insurance Requirement

Some states do not require insurance for non-motorized RVs (towable RVs). These include:

  • Arizona
  • Indiana
  • Kentucky
  • Mississippi
  • South Dakota

In these states, while insurance might not be legally required, it’s still a good idea to have it, especially if your RV is valuable or if you use it frequently.

Why You Should Consider Insurance Even If It’s Not Required

Even if your state doesn’t require RV insurance, there are compelling reasons to consider getting it. An RV is a significant investment, and insurance protects you from financial loss due to accidents, theft, or natural disasters. Additionally, if you’re financing your RV, your lender will likely require comprehensive and collision coverage.

Conclusion

Whether RV insurance is required by law varies depending on where you live and what type of RV you own. However, regardless of the legal requirements, having insurance is a smart way to protect your investment and enjoy your travels with peace of mind. Always check with your state’s DMV or a qualified insurance agent to ensure you’re meeting the necessary requirements.