Get Arizona RV Insurance That Covers How You Actually Use Your Rig

Arizona requires 25/50/15 liability coverage for all motorized RVs—the same minimums as cars. That's $25,000 per person for injuries, $50,000 per accident, and $15,000 for property damage. Travel trailers don't legally require separate insurance, but your tow vehicle's policy won't cover damage to the trailer itself.

Whether you're a weekend warrior exploring the Grand Canyon or a full-timer calling your Class A home, Roamly builds coverage around how you actually use your rig. We're one of the few insurers who won't cancel your policy when you rent out on Outdoorsy or RVshare—and we may cover DIY van builds that other companies won't touch. 

Most Arizona RVers pay between $800 and $1,500 annually. Roamly customers typically save up to 35% compared to other providers, especially on travel trailers and Class B vans.

Who We Insure

Roamly covers the full range of Arizona RV owners:

• Full-Time RVers: Your rig is your home. You need coverage that works like homeowners insurance—liability when parked, personal property protection, the works.

• Weekend Warriors: You hit the road a few times a year. You need solid coverage without paying full-timer prices.

• DIY Builds & Van Conversions: That Sprinter you spent six months converting? We may insure it for what it's actually worth—not some database guess. Coverage terms, conditions, and availability vary by state and policy. See policy for details.

• RV Rental Hosts: List your rig on Outdoorsy or RVshare without breaking the terms of your policy. Most insurers won't do this. We may. Coverage terms, conditions, and availability vary by state and policy. See policy for details.

What Are the Minimum RV Insurance Requirements in Arizona?

Arizona requires liability insurance for all motorized RVs (motorhomes, Class A/B/C) with the following minimums:

$25,000 for bodily injury per person $50,000 for bodily injury per accident $15,000 for property damage per accident

Requirements vary by state — check your state's Department of Insurance for current minimums. 

This 25/50/15 coverage is the legal minimum—same as cars. Travel trailers aren't required to carry separate insurance under Arizona law, but your tow vehicle's policy won't cover damage to the trailer itself. We strongly recommend coverage for any RV you own.

Collision and comprehensive coverage aren't legally required, but Arizona's extreme heat can crack dashboards and damage seals, while monsoon season (June through September) brings flash floods, hail, and lightning-sparked wildfires. If you're storing or traveling anywhere in Arizona during summer, comprehensive coverage is essential for protecting your investment.

Source: Arizona Department of Transportation - Insurance Requirements

How Much Does RV Insurance Cost in Arizona?

RV insurance rates in Arizona depend on your rig type, how often you use it, and your driving history. Here's what most Arizona RVers pay: 

• Part-Time RVers: $800–$1,500 per year

• Full-Time RVers: $1,500–$3,000 per year

• Liability-Only (minimum): $125–$400 per year

Your rate will be higher for newer, more expensive rigs (a $300k Class A costs more to insure than a $25k travel trailer). It'll be lower if you store your RV in a garage, have a clean driving record, and bundle with other policies.

Roamly customers save up to 35% on RV insurance compared to other providers. Our efficient quoting process and specialty focus mean better rates—especially for travel trailers and Class B vans.

Source: Progressive Arizona RV Insurance reports average. motorhome premium of $1,111.42/year and travel trailer premium of $529.34/year for 2024

Coverage Options for Part-Time and Full-Time Arizona RVers

You may customize coverage to fit your needs, whether you use your RV for occasional getaways or live in it year-round.

Part-Time / Weekend Use Coverage:

• Liability Coverage: Required by Arizona law. May pay for injuries and property damage you cause to others. Coverage terms, conditions, and availability vary by state and policy. See policy for details.

• Collision Coverage: May cover repairs to your RV after an accident, regardless of fault. Coverage terms, conditions, and availability vary by state and policy. See policy for details.

• Comprehensive Coverage: May cover theft, fire, hail, vandalism, and flooding—critical for Arizona's monsoon season and extreme heat. Coverage terms, conditions, and availability vary by state and policy. See policy for details.

• Uninsured/Underinsured Motorist: May protect you if hit by a driver without adequate insurance. Coverage terms, conditions, and availability vary by state and policy. See policy for details.

• Medical Payments Coverage: May pay medical bills for you and passengers after an accident. Coverage terms, conditions, and availability vary by state and policy. See policy for details.

• Roadside Assistance: Towing, tire changes, jump starts. RVs can't be towed like cars—you need specialized service. Coverage terms, conditions, and availability vary by state and policy. See policy for details.

• Vacation Liability: May provide coverage for incidents at your campsite when parked. Coverage terms, conditions, and availability vary by state and policy. See policy for details.

Full-Time / Live-In Coverage:

Everything above, plus protections designed for RVers whose rig is their primary residence:

• Full-Timer's Liability: Similar to homeowners' liability—may cover you when your RV is parked and used as a home. Coverage terms, conditions, and availability vary by state and policy. See policy for details.

• Personal Property Coverage: May protect your belongings inside the RV (electronics, clothing, gear) up to your policy limit. Coverage terms, conditions, and availability vary by state and policy. See policy for details.

• Scheduled Personal Property: May provide higher limits for expensive items like cameras, jewelry, or specialized equipment. Coverage terms, conditions, and availability vary by state and policy. See policy for details.

• Loss Assessment Coverage: May pay fees if you damage shared property at an RV park or campground. Coverage terms, conditions, and availability vary by state and policy. See policy for details.

• Emergency Expense Coverage: May reimburse lodging and transportation (up to $7,500) if your RV is disabled due to a covered loss. Coverage terms, conditions, and availability vary by state and policy. See policy for details.

• Adjacent Structures Coverage: May protect attached structures like awnings, satellite dishes, or slide-out rooms. Coverage terms, conditions, and availability vary by state and policy. See policy for details.

• Diminishing Deductibles: Your deductible may drop for every year you stay claim-free. Coverage terms, conditions, and availability vary by state and policy. See policy for details.