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AAA RV Insurance Review

AAA RV Insurance Review

The American Automobile Association or more popularly known as “Triple-A” (AAA) is well-known for supporting its members with a variety of products and services. Some of these products and services include roadside assistance, insurance, and travel products and services. The catch is that their products and services are only available to AAA members.

Coverage Options

The biggest challenge with AAA insurance is that it varies from one region to the next. The AAA is made up of a network of more than 1,000 clubs all over North America. Each club is responsible for their own insurance coverage. Also, insurance is not available in all 50 states. 

In the states where they do offer RV insurance, they will cover motorhomes, travel trailers, and campers. The basic RV policy from AAA provides you with more coverage than adding your RV as an endorsement to your auto policy.

RV Coverage Options

Your AAA agent will work with you to customize additional coverage such as lodging and transportation if your RV is damaged during your trip, and personal effects coverage. In addition to their RV insurance, you have the option of upgrading to Plus RV or Premier RV membership which includes the following benefits:

  1. Up to 4 tows for 100 miles each for Plus RV

  2. One tow up to 200 miles and up to 100 miles for remaining qualified tows for Premier RV

  3. Flat tire service

  4. Fuel delivery

  5. Double extraction service if a second truck and operator is needed

  6. Vehicle locksmith service

  7. Trip interruption and car rental

  8. Discounts and preferred rates

With an upgraded RV membership, the covered trailer types includes the following:

  1. Boat or personal watercraft

  2. ATV, Snowmobile, or motorcycle

  3. Utility

  4. Livestock

Average Pricing

Although the AAA website does not state how much their insurance rates are, they offer a variety of discounts based on the insurance coverage. One survey in 2019 stated that new policyholders in Florida saved on average a little more than $500.

As with most insurance carriers, the costs will also vary based on:

  1. Your age and driving history

  2. The state your RV is registered in

  3. The size, make, model, value and year of RV

  4. Your deductible amount

  5. Your credit history

Will AAA drop your coverage if you rent your RV on a rental marketplace?

As with many larger insurance providers, it’s possible some of them will drop your coverage for renting out your RV. You will need to inform AAA if you intend to rent your RV since they will have to check with their underwriters to determine which carriers will provide coverage. 

However, Roamly offers insurance that lets you rent your RV out without losing coverage. To learn more, or to get a free quote, visit

Does AAA offer RV insurance for full-time RVers?

Many insurance companies only offer RV insurance for recreational RV use. If you are a full-time RVer, make sure you make that clear to AAA when getting a quote. They will provide you with a customized quote that includes personal liability (similar to vacation liability), medical payments to others, emergency expenses, and personal effects coverage.

Not all full-timer insurance is the same, so be sure to shop around with other insurers who specialize in full-timer coverage, including Roamly.

What Roamly can offer RV owners

Did you know you could save an average of 35% compared to other insurance companies by getting a comprehensive plan with Roamly? This insurance company was created by passionate RV owners,so they know exactly the type of coverage you need for your RV. No more paying for expensive features you don’t need.

Additionally, Roamly doesn’t stop covering your RV if you decide you want to rent it out on peer-to-peer networks like Outdoorsy. That means you can make extra money when you’re not using your RV.

Final thoughts

With over sixty million members, AAA is a household name. However, that doesn’t mean AAA insurance is the best insurance option for your RV. Unlike AAA, which works with multiple underwriters on a local level, Roamly is a dedicated insurance carrier created specifically for RV owners, by RV owners and enthusiasts.

Ready to get the right RV insurance for your needs? Get a free quote from Roamly in less than 60 seconds.

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Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.

Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Safeco Insurance, Foremost Insurance Company, National General Insurance, Allstate Insurance Company, Mobilitas Insurance Company, HIPPO Insurance Services, Lyndon Southern Insurance Company and others.

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