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Allstate RV Insurance Review

Allstate RV Insurance Review

Allstate is an American company that has been providing auto insurance since 1931. Nowadays, the company also provides financial services, home and personal insurance, motorcycle, boat, and mobile home insurance. Allstate’s wide range of products and local agents makes it a good choice for consumers who want an accessible one-stop company.

Coverage Options

Every RV insurance policy must have liability coverage while driving. You will need at least the minimum liability coverage and that will depend on the state where you’ve registered your RV.

Other coverage options include comprehensive for the RV itself and personal belongings coverage. Comprehensive could include the following:

  1. Protection from theft

  2. Windshield damage

  3. Vandalism

  4. Acts of nature

  5. Impacts with animals

RV Coverage Options

Besides Allstate's basic RV policies, they also have add-ons such as personal injury protection coverage, towing and labor costs coverage, medical payments coverage, uninsured or underinsured motorist coverage, and coverage for your sound system. Something to note: the Allstate website does not specify what kind of RVs it does and does not cover. You’ll need to call an independent insurance agent to receive more information on their RV coverage options.

Average Pricing

The Allstate website does not disclose how much their insurance rates start at, but Allstate’s premiums are higher than their top competitors’ rates. They do, however, offer a variety of discounts such as:

  1. Multi-policy discount - If you have another policy with Allstate or are planning to sign up for one.

  2. Transfer Discount - If you have a motorhome policy with another insurance company and switch to Allstate.

  3. 55 and Retired Discounts - Allstate is the only insurance provider that offers a special discount for RV owners who are over 55 years old and not actively seeking employment.

Something else to keep in mind is that, as with most insurance carriers, Allstate’s pricing will also vary based on:

  1. Your 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 Allstate drop your coverage if you rent your RV on a rental marketplace?

Many larger insurance providers will drop your coverage for renting out your RV. You will need to inform Allstate if you intend to rent your RV so that you can make an informed decision.

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 Allstate offer RV insurance for full-time RVers?

Allstate does not off RV insurance for full-time RVers but know that Roamly does.

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

Allstate is the third leading vehicle insurer in the US, serving all 50 states. It has a massive network of local agents, however, some customers mention service issues and that insurance rates can sometimes be higher than with other companies. On the other hand, Roamly’s customer service team are RV owners and enthusiasts just like you and are dedicated to finding you the right insurance. And often at a cost of up to 25% less than other insurance companies.

Alex, a happy customer, had this to say about Roamly: “I got my quote yesterday and it came to almost half of what I was quoted from Progressive. Plus, Progressive drops you if they find out you’re renting. Thanks Roamly!”

So stop looking around and start saving! You can get a free quote from Roamly in 60 seconds. You’ll thank us later!

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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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