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

  • Bodily Injury liability

  • Property Damage liability

Medical Coverages

  • Medical Payments coverage

  • Personal Injury Protection coverage

Uninsured Motorist Coverages

  • Uninsured Motorist coverage

  • Underinsured Motorist coverage

Vehicle Coverages

  • Collision coverage

  • Comprehensive coverage

Additional Auto Insurance Coverages

  • Emergency Road Service

  • Rental Reimbursement

  • 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:

  • Total Loss Replacement

  • Replacement Cost Personal Effects

  • Vacation Liability

  • Emergency Expense Coverage

  • Special Windshield Deductible

  • Recreational Vehicle Medical Payments Coverage

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

  • Class A, B, and C motorhome

  • Travel trailer

  • Truck campers

  • 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.

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.

What Roamly can offer RV owners

Did you know you could save an average of 25% 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.

Below are the many types of coverage that Roamly offers:

  • Bodily injury liability

  • Property damage liability

  • Collision coverage

  • Comprehensive coverage

  • Sound system

  • Contents coverage

  • Medical payments coverage

  • Personal injury protection coverage (PIP)

  • Uninsured & underinsured motorist coverage

  • Roadside assistance

  • Rental reimbursement coverage

  • No-deductible glass coverage

What Roamly can offer RV owners

Did you know you could save an average of 25% 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.

Below are the many types of coverage that Roamly offers:

  • Bodily injury liability
  • Property damage liability
  • Collision coverage
  • Comprehensive coverage
  • Sound system
  • Contents coverage
  • Medical payments coverage
  • Personal injury protection coverage (PIP)
  • Uninsured & underinsured motorist coverage
  • Roadside assistance
  • Rental reimbursement coverage
  • No-deductible glass coverage

Final thoughts

Geico, and its gecko mascot, are well-known throughout the country. They offer their customers low prices, but service is lacking once you have to actually file a claim. Their RV coverage also isn't available in all states.

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.

So get a free quote from Roamly today! In less than 60 seconds you can be on your way to having cheaper RV insurance. Don’t wait, the road is calling!