California RV Insurance that Lets You Focus on the Journey, Not the Paperwork

California requires 30/60/15 liability coverage for all motorized RVs. That's the same minimums as cars: $30,000 per person for injuries, $60,000 per accident, and $15,000 for property damage. Travel trailers don't legally require separate insurance. Your towing vehicle's liability may extend to the trailer while it's hitched, but that won't cover damage to the trailer itself or what's inside it.

Roamly may insure California RVers who use their rigs in all kinds of ways: weekend warriors hitting the coast, full-timers living year-round in their Class A, DIY van builders with custom Sprinter conversions, and rental hosts listing on Outdoorsy or RVshare. Most insurers exclude peer-to-peer rentals. We may offer this coverage option. Coverage terms, conditions, and availability vary by state and policy. See policy for details.  

RV insurance in California typically runs $500–$1,500 per year for part-time use and $1,200–$3,500 for full-timers. Liability-only policies may start around $200-$600 annually. Roamly customers can save up to 35% compared to other providers by working with a company that specializes in recreational vehicles, not one that treats your rig like an oversized sedan. Coverage terms, conditions, and availability vary by state and policy. See policy for details.

Who We Insure

Roamly covers the full range of California RV owners:

• Full-Time RVers: Living in your rig year-round? We offer full-timer liability and personal property coverage so your home on wheels has the same protections as a traditional homeowners policy.

• Weekend Warriors: Taking your fifth wheel to Big Sur or your Class C to Joshua Tree a few times a year? We insure part-time travelers with flexible coverage that fits how often you actually use your RV.

• DIY Builds & Van Conversions: Built a custom Sprinter or converted a Ford Transit yourself? We'll insure your DIY build for its actual value, not what some adjuster thinks a cargo van is worth.

• RV Rental Hosts: Want to list your rig on Outdoorsy or RVshare? Roamly policyholders can rent out their RVs without breaking the terms of their policy. This is something most traditional insurers won't allow.

What are the Minimum RV Insurance Requirements in California?

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

• $30,000 for bodily injury per person

• $60,000 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.

Source: California DMV - Insurance Requirements

That's the legal minimum—the same as California requires for passenger cars. Travel trailers don't need separate liability coverage because your towing vehicle's policy may extend to the trailer while hitched, but you're on your own for damage to the trailer itself.

Here's the deal: minimum coverage won't protect you from California's actual risks. The state leads the nation in vehicle theft, and wildfire season turns parked RVs in fire-prone areas into potential total losses. Adding comprehensive coverage if you're storing anywhere near brush or parking in urban areas where theft is higher is strongly recommended.

How Much Does RV Insurance Cost in California?

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

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

• Full-Time RVers: $1,200–$3,500 per year

• Liability-Only (minimum): $200-$600 per year

If you're storing in LA or the Bay Area, expect higher rates due to higher theft rates. If you're in wildfire zones like the Sierra foothills or Napa, comprehensive coverage may cost more, but it's worth it when fire season hits. 

Roamly customers can save up to 35% on RV insurance compared to other providers. We work with multiple carriers and specialize in recreational vehicles, which means we know how to price a Class B van conversion differently than a luxury diesel pusher. Coverage terms, conditions, and availability vary by state and policy. See policy for details.

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

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

Part-Time / Weekend Use Coverage

• Liability Coverage: Required by California law. Pays 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 repair your RV after an accident, regardless of fault.

• Comprehensive Coverage: May cover theft, fire, wildfires, vandalism, and vehicle damage from urban break-ins or coastal salt exposure.

• Uninsured/Underinsured Motorist: May protect you if hit by a driver without adequate insurance.

• Medical Payments Coverage: May pay medical bills for you and passengers after an accident.

• Roadside Assistance: Towing, tire changes, and jump starts. RVs need specialized service, and AAA won't tow a 40-foot Class A.

• Vacation Liability: May provide coverage for incidents at your campsite when parked. 

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 up to your policy limit.

• Scheduled Personal Property: May provide higher limits for expensive items like cameras, electronics, or bikes.

• Loss Assessment Coverage: May pay fees if you damage shared property at an RV park.

• Emergency Expense Coverage: May reimburse lodging and transportation (up to $7,500) if your RV is disabled or destroyed.

• Adjacent Structures Coverage: May protect attached structures like awnings and satellite dishes.

• Diminishing Deductibles: Your deductible may drop for every claim-free year.