State Farm RV Insurance Review

State Farm RV Insurance Review

State Farm is one of the largest insurance companies in the US. With over 19,000 agents, the odds are good there’s a State Farm near you. Besides their home and personal insurance coverage, they have an extensive range of products and services for cars, motorcycles, and RVs.

Coverage Options

Your insurance coverage will depend on which state you have registered your RV with. For example, some states require personal injury protection (PIP) coverage which can range from $2,500 to $50,000. Regardless of where you register your RV, the basic RV policy from State Farm provides you with more coverage than adding your RV as an endorsement to your auto policy.  

  • Bodily injury (to yourself and others) 

  • Property damage (caused by you or others)

  • Underinsured and uninsured

  • Theft, fire, vandalism and other losses even while in storage

  • Emergency road service

RV Coverage Options

In addition to your basic RV insurance, your State Farm agent will work with you to customize additional coverage such as travel interruption and personal articles. 

  • Emergency Roadside Assistance

  • Trip interruption

  • Can combine with other types of insurance for discounted rates

Average Pricing

  • Your age and driving history

  • The state your RV is registered in

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

  • Your deductible amount

  • Your credit history

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

Although the State Farm website does not state how much their insurance rates are, they offer a variety of discounts based on the insurance coverage. A survey in 2018 stated that new policyholders saved on average a little more than $800 by switching to State Farm.

Will State Farm 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 State Farm if you intend to rent your RV since they will have to check with their underwriters to determine which carriers will provide coverage.

Does State Farm 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 State Farm when getting a quote. They may provide you with a customized quote that includes personal liability, medical payments to others, emergency expenses, and personal effects 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

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

While State Farm is one of the nation’s largest insurers, it appears State Farm only provides limited coverage for your RV. Roamly, on the other hand, is dedicated to providing the best coverage for RVs, trailers, and campervans.

As one Roamly customer put it, “Roamly is 33% less than our previous RV policy with State Farm, with no risk of being dropped for renting it out. Most people I talked to reported similar savings. Plus, I got a multiple-vehicle discount rate for my car insurance.”

So get a free quote from Roamly today and in less than 60 seconds you can be on your way to a much less expensive RV insurance policy.