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

Washington requires 25/50/10 liability coverage for all motorized RVs—the same minimums as cars. That's $25,000 per person for injuries, $50,000 per accident, and $10,000 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 Olympic Peninsula 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 cover DIY van builds that other companies won't touch. 

Most Washington RVers pay between $700 and $1,500 annually. Estimates vary by rig type, ZIP code, and usage. 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 Washington 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.

• RV Rental Hosts: List your rig on Outdoorsy or RVshare without breaking the terms of your policy. Most insurers won't do this. We will.

What Are the Minimum RV Insurance Requirements in Washington?

Washington 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 $10,000 for property damage per accident

This 25/50/10 coverage is the legal minimum—same as cars. Travel trailers aren't required to carry separate insurance under Washington 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 Washington's climate brings unique risks. West of the Cascades, you're dealing with constant rain and moisture damage—mold, rust, and water leaks are real threats. The state's recent atmospheric rivers have dumped up to 16 inches of rain in three days, causing flooding and landslides. If you're storing or traveling anywhere in Washington, comprehensive coverage isn't optional—it's essential.

Source: Washington State Department of Licensing - Mandatory Insurance

How Much Does RV Insurance Cost in Washington?

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

• Part-Time RVers: $700–$1,500 per year

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

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

Estimates vary by rig type, ZIP code, and usage. 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 reports national avg. motorhome premium of $1,052/year and travel trailer premium of $594/year for 2024

Coverage Options for Part-Time and Full-Time Washington 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 Washington law. May pay for injuries and property damage you cause to others.

• Collision coverage: May repair your RV after an accident, regardless of fault.

• Comprehensive coverage: May cover theft, fire, vandalism, and flooding—critical for Washington's rain, moisture damage, and atmospheric river events. 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.

• Medical payments coverage: May pay medical bills for you and passengers after an accident.

• Roadside assistance: Towing, tire changes, jump starts. RVs can't be towed like cars—you need specialized service.

• 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 (electronics, clothing, gear) up to your policy limit.

• Scheduled personal property: May provide higher limits for expensive items like cameras, jewelry, or specialized equipment.

• Loss assessment coverage: May pay fees if you damage shared property at an RV park or campground.

• Emergency expense coverage: May reimburse lodging and transportation (up to $7,500) if your RV is disabled due to a covered loss.

• Adjacent structures coverage: May protect attached structures like awnings, satellite dishes, or slide-out rooms.

Diminishing deductibles: Your deductible may drop for every year you stay claim-free.