Get Michigan RV Insurance that Protects You Through All Four Seasons

Michigan requires 50/100/25 liability coverage for all motorized RVs. That's $50,000 per person for injuries, $100,000 per accident, and $25,000 for property damage. Requirements vary by state — check your state's Department of Insurance for current minimums. As a no-fault state, Michigan also requires Personal Injury Protection (PIP) and $1 million in Property Protection Insurance (PPI). Travel trailers with more than two wheels are considered motor vehicles under Michigan law and need separate insurance.

Roamly may serve Michigan RVers who use their rigs year-round or seasonally, from weekend warriors hitting Sleeping Bear Dunes to full-timers snowbirding south each winter. We may cover DIY van conversions, upfitted Sprinters, and RV rental hosts listing on Outdoorsy or RVshare. Coverage terms, conditions, and availability vary by state and policy. See policy for details. Our policies may let you rent your rig without breaking your coverage terms.

Most Michigan RVers pay between $700 and $2,000 per year for part-time coverage, while full-timers typically pay $1,200 to $3,000 annually. Liability-only policies start around $200 per year. Roamly customers may save up to 35% on RV insurance compared to other providers because we specialize in recreational vehicles and shop multiple carriers to get you better rates.

Who We Insure

Roamly may cover the full range of Michigan RV owners:

• Full-Time RVers: If your RV is your primary residence for more than six months a year, you may need full-timer's coverage that protects both your vehicle and your home.
• Weekend Warriors: Part-time adventurers exploring Pictured Rocks, Mackinac Island, or the Upper Peninsula on weekends and summer road trips.
• DIY Builds & Van Conversions: Custom camper vans, Sprinter conversions, and owner-modified rigs that most insurers won't touch or won't cover for actual value.
• RV Rental Hosts: If you're listing your RV on Outdoorsy or RVshare to offset ownership costs, Roamly policies may let you rent without violating your coverage terms.

What are the Minimum RV Insurance Requirements in Michigan?

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

• $50,000 for bodily injury per person
• $100,000 for bodily injury per accident
• $25,000 for property damage per accident

Source: Progressive Michigan RV Insurance

Michigan is a no-fault state, which means you also need Personal Injury Protection (PIP) to cover medical expenses regardless of who's at fault in an accident. The state also requires $1 million in Property Protection Insurance (PPI) to cover damage to fixed objects like buildings, fences, and parked vehicles.

Michigan winters bring extreme cold, lake effect snow, and ice storms that can cause freeze damage to RV plumbing, roof collapses from snow load, and dangerous road conditions. If you're storing or traveling in Michigan from November through March, comprehensive coverage may provide protection against weather damage that basic liability won't cover. Coverage terms, conditions, and availability vary by state and policy. See policy for details.

How Much Does RV Insurance Cost in Michigan?

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

• Part-Time RVers: $700–$2,000 per year
• Full-Time RVers: $1,200–$3,000 per year
• Liability-Only (minimum): $200–$500 per year

Michigan's no-fault insurance system pushes RV insurance costs higher than in most states. Your rate also depends on whether you're covering a Class A motorhome or a travel trailer, your driving record, and how much time you spend living in or traveling with your RV.

Roamly customers may save up to 35% on RV insurance compared to other providers. We specialize in recreational vehicles and shop multiple carriers to find you better rates, so you're not paying for coverage designed for sedans.

Coverage Options for Part-Time and Full-Time Michigan 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 Michigan law. Pays for injuries and property damage you cause to others.
• Collision Coverage: May repair 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, winter freeze damage, ice storms, vandalism, and flooding. 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 need specialized service.
• Vacation Liability: 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. Covers you when your RV is parked and used as a home.
• Personal Property Coverage: May protect your belongings inside the RV 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. 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. 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. Coverage terms, conditions, and availability vary by state and policy. See policy for details.
• Adjacent Structures Coverage: May protect attached structures like awnings and satellite dishes. Coverage terms, conditions, and availability vary by state and policy. See policy for details.
• Diminishing Deductibles: Your deductible may drop for every claim-free year.