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Geico RV Insurance Review

Geico RV Insurance Review

As the country’s second-largest insurance company, Geico is known for their low rates and the idea of spending a little time to save a lot of money on auto insurance. Initially started in 1936, Geico was created to provide auto insurance for federal employees and military members at reduced rates. It has since expanded, however, and now offers its customers coverage for a variety of vehicles, including ATVs, motorcycles, boats, and RVs.

Coverage Options

Geico’s insurance packages can be broken down into the following coverages:

Liability Coverages

  1. Bodily Injury liability

  2. Property Damage liability

Medical Coverages

  1. Medical Payments coverage

  2. Personal Injury Protection coverage

Uninsured Motorist Coverages

  1. Uninsured Motorist coverage

  2. Underinsured Motorist coverage

Vehicle Coverages

  1. Collision coverage

  2. Comprehensive coverage

Additional Auto Insurance Coverages

  1. Emergency Road Service

  2. Rental Reimbursement

  3. Mechanical Breakdown Insurance

RV Coverage Options

Geico offers both RV insurance and travel trailer insurance, but not in all states. Enhanced RV coverage is not available in Hawaii, Massachusetts, Michigan, and North Carolina. Geico’s RV insurance coverages include:

  1. Total Loss Replacement

  2. Replacement Cost Personal Effects

  3. Vacation Liability

  4. Emergency Expense Coverage

  5. Special Windshield Deductible

  6. Recreational Vehicle Medical Payments Coverage

The following are the kinds of RVs and towables covered by Geico:

  1. Class A, B, and C motorhome

  2. Travel trailer

  3. Truck campers

  4. Fifth-wheel, pop-up, and toy-haulers

Geico does not cover bus conversions, toterhomes, or vehicles valued at over $500,000.

Average Pricing

Pricing depends on many factors, including the vehicle type, where the vehicle’s home-base is, the amount of coverage you desire, your credit history, and even your age. A study done for U.S. News found that Geico’s average annual rate for automobiles was $1,168.

Rates for RVs can be considerably cheaper than rates for cars, although they can also reach into the thousands. This is because most people don't drive their RVs nearly as often as they drive their cars.

RV insurance rates vary widely because RVs themselves vary widely. If you're covering a large Class A or Fifth Wheel, insurance rates will go up. If you're covering a tiny pop-up trailer or Class B RV, insurance won't be as expensive. Additionally, travel trailer insurance is typically more affordable than motorhome insurance.

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

If you’d like to make some extra cash with your RV and rent it out while you’re not using it, be careful. Many of the larger insurance providers will drop your coverage if you rent out your RV. Make sure you fully understand what is and isn’t covered under your policy.

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 Geico offer RV insurance for full-time RVers?

Geico does offer insurance for full-timers and has a dedicated team of RV insurance specialists.

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

Geico, and its gecko mascot, are well-known throughout the country. They offer their customers low prices, but some customer reviews mention that service is lacking once you have to actually file a claim. Their RV coverage isn't available in all states and their personal policies typically don't allow you to rent out your RV.

Roamly was created specifically for RV owners, so you get great coverage tailored to your specific needs. Additionally, you won’t lose coverage if you decide to rent your RV during times that it’s not in use. Roamly also offers commercial RV coverage for those running businesses.

Get a free quote from Roamly in less than 60 seconds and be on your way to having cheaper RV insurance that’s right for you.

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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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