Progressive RV Insurance Review

Progressive RV Insurance Review

Progressive is well known for its car insurance, although they offer other types of insurance as well. They also offer a wide range of discounts for students, safe drivers, and bundling policies for your car and home.

Coverage Options

Basic vehicle coverage consists of liability insurance, which includes property damage and bodily injury. That is the minimum coverage you can get, unless you’d like to add extras or special features.

For more, you’ll need to get their full coverage which includes: Comprehensive, Collision, Uninsured/underinsured bodily injury, Uninsured/underinsured motorist property damage, and Medical payments. You do have the ability to pick and choose the options that are best for you. In addition, they also offer extras like roadside assistance and rental car reimbursement.

RV Coverage Options

Although Progressive does offer a variety of discounts, keep in mind that many of their features aren’t standard so how much you pay will depend on how much extra coverage you want. Costs will also vary based on the following:

  • Your state

  • The type of RV you have

  • Your RV's value

  • The amount of your deductible

  • Your driving history

With Progressive, RV insurance costs start at $125 a year, although most people end up paying more for additional features.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:

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

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

  • 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:

  • Your driving history

  • The state your RV is registered in

  • The size, make, model, value and year of RV

  • Your deductible amount

  • Your credit history

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

Most larger insurance providers will drop your coverage for renting out your RV, so be sure to check the fine print. The last thing you want is to be left high and dry if something happens to your RV. 

Does Progressive 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 that you make that clear when getting a quote.

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

As the third-largest personal auto insurer in the US, Progressive is a household name. However, that doesn’t mean it’s the best insurance option for you and your RV. Unlike Progressive, Roamly was created specifically for RV owners. This means that you get coverage tailored to your specific needs, and you won’t lose coverage or have to worry about loopholes if you would like to rent your RV.

So get a free quote from Roamly, and in less than 60 seconds you can be on your way to cheaper RV insurance and bigger outdoor adventures.