Roamly brings you personalized Illinois RV insurance, perfect for every journey through the Prairie State. From the historic streets of Springfield, the land of Lincoln, to the vibrant energy of Chicago and the serene landscapes of Shawnee National Forest, our motorhome insurance covers every corner of this iconic state.
Our motorhome insurance in Illinois offers the ideal mix of protection, affordability, and reliability. Embark on your adventure with confidence, knowing Roamly has you covered every mile of the way.
Fun Fact: Did you know Illinois is the birthplace of the first-ever McDonald's and deep-dish pizza? Just like these iconic local beginnings, at Roamly we're all about memorable starts to your own journey!
At Roamly, we offer coverage options that cater to a wide variety of RV owners:
Full-time RVers: Those who live in their RV year-round and need full-time protection for their homes on wheels.
Weekend Warriors: Part-time adventurers who hit the road for weekend getaways or seasonal trips.
DIY Builds: Owners of custom-built campervans who need insurance tailored to their unique vehicles.
Commercial RV Owners: Entrepreneurs who use RVs for rental businesses, mobile offices, or travel accommodations.
In Illinois, RV insurance requirements depend on the type of RV you own:
Motorhomes are considered motor vehicles, so you are required by law to carry the same minimum liability insurance as other drivers in Illinois:
$25,000 for bodily injury per person
$50,000 for bodily injury per accident
$20,000 for property damage per accident
This is often referred to as 25/50/20 coverage.
Non-motorized RVs that are towed, such as travel trailers and fifth wheels, do not require separate liability insurance since they are typically covered under your auto insurance policy while being towed. However, this coverage does not protect the trailer itself from damage or loss. We recommend obtaining additional coverage to protect your investment fully.
While meeting the state minimums fulfills legal requirements, they may not provide adequate protection in the event of a serious accident or loss. Roamly offers more comprehensive options to ensure your RV is fully protected against Illinois's unique risks, such as severe weather and road conditions.
RV insurance costs in Illinois vary based on several factors:
Type of RV: Class A motorhomes generally cost more to insure than Class B or C motorhomes or towable RVs.
Usage: Full-time RVers may have higher premiums due to increased exposure.
Driving History: A clean driving record can lower your rates.
Coverage Level: More extensive coverage and lower deductibles increase premiums.
Location: Areas prone to severe weather or higher theft rates may affect costs.
Part-Time RVers: Between $500 and $1,500 per year.
Full-Time RVers: Between $1,000 and $2,000 per year.
With Roamly's specialized and competitive rates, customers can save up to 35% on their premiums compared to other RV insurance companies.
Whether you're a part-time adventurer or a full-time RVer, you can customize comprehensive coverage to suit your needs.
For weekend warriors and part-time RV owners, we provide a variety of coverage options:
Collision Coverage: Covers damage to your RV in case of an accident.
Medical Payments Coverage: Provides for medical expenses in the event of an accident.
Uninsured/Underinsured Motorist Coverage: Protects you if you're hit by a driver without adequate insurance.
Roadside Assistance: Helps you in case of a breakdown or emergency on the road.
Tire & Wheel Coverage: Provides protection for tire blowouts or wheel damage.
For full-time RVers, we extend our coverage to include the following:
All the coverage options available for short-term coverage, plus:
Full-Timer's Liability: Provides liability coverage similar to a homeowner's policy when your RV is parked and used as a residence.
Personal Property Coverage: Protects your belongings inside the RV, including electronics, clothing, and other personal items.
Scheduled Medical Payments: Higher limits on medical expenses after an accident.
Loss Assessment: Covers fees associated with damage to shared property in RV parks or campgrounds.
Emergency Expense Coverage: Reimburses you for unexpected costs such as lodging or transportation if your RV is disabled due to a covered loss.
Adjacent Structures Coverage: Protects other structures, such as awnings or satellite dishes, that may be attached to your RV.
Diminishing Deductibles: Reduces your deductible the longer you remain claim-free.
No matter what kind of RV lifestyle you have, we have the right coverage options to give you peace of mind on the road and at home.
Roamly Helps You Save on Illinois RV Insurance
* New Roamly customers getting personal policies for travel trailers and Class B RVs tended to see the largest savings of 35% or more off their existing policies when getting comprehensive coverage in 2023. Commercial customers who saw the largest savings while switching to Roamly typically covered between 3-5 vehicles and switched from an existing commercial policy.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Safeco Insurance, Foremost Insurance Company, National General Insurance, Allstate Insurance Company, Mobilitas Insurance Company, Lyndon Southern Insurance Company and others.