Allstate RV Insurance: Coverage and Discounts (2022)

Allstate RV insurance is just one of the company’s many products. While we at the Home Media reviews team have rated the provider’s auto insurance and boat insurance options, we wanted to see how Allstate’s camper coverage holds up.

Our team took a close look at the offerings from Allstate that are targeted toward RV owners. We considered how much RVers can expect to pay for Allstate’s coverage and measured the company up to the best RV insurance providers on the market.

We give Allstate RV insurance 8.9 out of 10.0 stars, enough to earn it a place among our top camper insurance providers. Allstate’s rating was determined through careful research of the company’s reputation, availability, coverage options, average costs and customer service.

*Ratings are determined by our editorial review team. Learn more about our scoring methodology below.

What Makes Allstate RV Insurance Stand Out?

Allstate RV insurance comes with a well-rounded set of coverage types and plenty of options to save. Our team especially appreciated the following aspects of the company:

• Coverage choices: Allstate has coverage options galore, including a few types that other providers don’t offer.
• Full-timer liability insurance: People who live in their campers full time need a different kind of coverage, which is offered by Allstate.
• Total loss replacement: Losing an RV to an accident can be financially devastating, especially after depreciation. Allstate gives owners a total loss replacement option if they want more coverage to protect their campers.

Allstate RV Insurance Pros and Cons

Founded: 1931
Headquarters: Northbrook, Ill.

AM Best rating: A+
Better Business Bureau (BBB) rating: A-

Allstate was among the country’s largest insurance companies in 2021, claiming over 5% of the total market according to data from the National Association of Insurance Commissioners (NAIC). In addition to RVs, Allstate offers the following types of insurance:

• Auto insurance
• Homeowners insurance
• Renters insurance
• Life insurance
• Motorcycle insurance
• Boat insurance

RV Types Covered by Allstate

There aren’t any restrictions listed on the webpage for Allstate RV insurance. The provider instead mentions that its RV coverage types can take care of both towables and motorhomes.

What Is a Towable RV?

Towable RVs can’t move on their own and instead require a towing vehicle to move from one place to the next. Towable RV models include the following:

• Travel trailers
• Toy haulers
• Pop-up campers
• Fifth-wheel RVs
• Teardrop trailers

What Is an RV Motorhome?

RV motorhomes are sometimes referred to as “self-propelled RVs” and are typically built on top of a large vehicle chassis. This category of RVs includes:

• Class A RVs
• Class B RVs
• Class C RVs

It’s possible that Allstate RV insurance could have exclusions for different states or localities. Make sure to ask your local Allstate insurance agency about your camper’s specifics if you’re unsure about its eligibility for coverage.

Allstate doesn’t make any mention of the company’s RV insurance rates on its website. This is partly because the cost of an Allstate RV insurance policy varies greatly for each model type. According to our research, an average RV insurance policy generally costs around $1,500 per year, though your camper premiums could be greater or less than that.

What Factors Affect RV Insurance Costs?

The premiums on towables and motorhomes vary greatly because insurers base their rates on several factors about you and your RV model. These elements include:

• Driving history: You’ll either be driving or towing your RV, so your driving record plays a big part in rates for camper insurance. A clean driving record will likely give you access to the lowest rates.
• RV value: The more expensive your RV is, the more it will likely cost to protect.
• Usage: Insurers charge different rates depending on how much time you’ll be spending in your RV. Full-timers can expect to pay significantly more than people who only use their campers to go on vacations.
• RV experience: It takes a different set of skills to pilot or tow an RV than to drive a standard car model. Insurers tend to adjust rates based on your experience with RVs, not just with driving a car.
• Location: Different states and even different locations within the same state have varying rates for RV insurance.
• Credit score: In most states, insurers can use your credit score as a risk factor when determining your premiums. Drivers with poor credit scores often pay far more for insurance than those with good scores.
• Coverage level: Your types of coverage and how much you select also factor into your premiums. Policies that only meet your state’s minimum requirements typically cost the least, though they’ll also provide little protection.

Allstate RV Insurance Discounts

Allstate’s website lists several ways that drivers can save on RV coverage. The RV insurer mentions these savings opportunities and their details:

• Homeowner discount: If you own a home or have a full-time RV insurance policy
• Married discount: Add your spouse to your policy
• Pay in full discount: Pay your full premium upfront rather than across multiple monthly payments
• RV safety course discount: Complete an approved RV safety course
• Paperless discount: Opt to receive only digital correspondence for your Allstate RV insurance plan

If you have a motorized RV, you’ll at least need to carry state minimum required auto coverage. Those with towable RVs aren’t usually required by law to have separate insurance from their personal vehicles, though coverage for your camper will be limited. In either case, you’ll likely want more than the minimum amount of insurance that’s legally mandated.

Like with auto policies, you can build a policy to suit your needs after you meet minimum coverage standards. Allstate offers policies that are nearly identical to car coverage as well as specialty coverage options meant just for RVs.

Standard RV Insurance Coverage Types

The standard RV coverage options you’ll find at Allstate are the same as those you’ll find from nearly any insurer. Here are some common options, and what they cover:

• Bodily injury liability: Medical expenses, lost wages and other injury-related costs for others in an accident that you’re found at fault for
• Property damage liability: Damage to other vehicles and property related to an accident for which you are found at fault
• Collision coverage: Issues with your RV and personal property regardless of who caused the accident
• Comprehensive insurance: Damages to your camper from causes other than accidents such as severe weather, vandalism and theft
• Uninsured motorist/underinsured motorist: Both damages to your RV and your medical expenses if an at-fault driver lacks adequate insurance coverage
• Personal injury protection (PIP): Medical costs and lost wages for your party, regardless of who caused an accident
• Medical payments coverage (MedPay): Medical costs but not lost wages for your part resulting from an accident, regardless of who is at fault

Allstate RV Coverage Add-Ons

When it comes to coverage add-ons, Allstate RV insurance has a healthy selection to choose from. These are the company’s additional coverage options, and what they cover:

• Towing and labor: The cost of on-site labor and towing needs if your camper breaks down
• Personal effects coverage: Personal belongings in your RV when it’s destroyed due to a collision or comprehensive loss
• Vacation liability: Most damages and injuries that are caused by your RV while you’re on vacation
• Emergency expenses: Food, accommodation and travel expenses if your RV breaks down more than 50 miles away from home
• Full-timer’s liability: Similar to a home insurance policy, this covers injuries and damages to others caused by your camper if you live in it for more than six months out of the year
• Total loss replacement: After a total loss, your old RV will be replaced with one of the same year and value as your original one

Allstate may offer more coverage options than these depending on your location and RV type. Check which exact add-ons are available to you by asking a local insurance agent.

Allstate RV Insurance Standard Benefits

While you can purchase some additional coverages, Allstate includes a few for free. Allstate RV insurance policies come standard with the perks below:

• Pet coverage: Takes care of your pet’s medical bills if it’s injured in an accident
• Tow bar coverage: Pays to replace your tow bar after a covered loss

There aren’t many customer reviews online specifically for Allstate RV insurance. However, the way a company handles its customers in one part of the business can give you insight into how it treats them in another part. Our team noticed a few patterns in our research of Allstate insurance reviews.

In positive Allstate reviews, customers reported helpful and thorough support from agents. When people reported a negative experience with Allstate, they tended to mention communication frustrations during the company’s claims process.

You absolutely need RV insurance for a motorhome. In most places, the minimum motorhome insurance requirements are identical to minimum car insurance standards. In most cases, however, you aren’t legally required to carry insurance for a towable camper.

There are some situations when you may need RV insurance for any model. Certain campsites require vacation or full-timer liability insurance for overnight stays. Your lender may also require you to have certain coverage if you borrowed money to buy your RV.

Possible Sources of RV Damage

Regardless of which type of RV you own, having insurance is almost certainly a good idea. Even the least expensive campers often cost several thousand dollars, and they usually contain valuable personal belongings.

Accidents are just one of the ways that your trailer or motorhome can be damaged. Here are some common sources of damage to or in an RV:

• Theft: It’s unlikely that your RV will be stolen, but it does happen from time to time. Comprehensive coverage is often the best way to keep your camper secure.
• Weather: Severe weather events such as tornadoes, ice storms, hurricanes and floods can do major damage to an RV.
• Leaky roof or windows: Vibration from travel along the road may cause some roof and window seals to shake loose eventually. This can lead to leaks that can damage the interior of your camper.
• Tree branches: Falling limbs and trees are a constant danger for RVs, especially when people camp out in forests.
• Fire: Camper fires are one of the more common sources of damage to RVs and pose risks to property at adjacent campsites.

RV Traffic Accident Statistics

If you plan on exploring with your RV, you’ll spend time in it out on the open road. Whenever you’re on the highway, you’re at risk of an accident, whether driving a small sedan or towing a fifth-wheeler.

When you consider that any camper — whether towable or motorized — adds an element of difficulty to navigating traffic, the risk of a traffic accident is something every RV owner should consider. Even the most experienced drivers are subject to the mistakes and bad habits of others on the road.

RV Fire Statistics

Fire departments across the U.S. saw an average of 4,200 RV fires per year from 2018 to 2020, according to data from the Federal Emergency Management Agency (FEMA). These RV fires resulted in an average of 15 deaths and 125 injuries each year.

Fires in campers caused an average of $15,350 in property damage with each fire. That means that RV fires accounted for over $60 million in property damage annually during that time period.

A comprehensive RV policy will cover fixes to your RV in the event of a fire. However, it likely won’t cover fire damages to property around it and coverage won’t pay for other people’s medical expenses.

Overall, Allstate RV insurance is a strong option for those hoping to protect their campers. The company has a useful selection of specialty options, including liability coverage for full-time RVers. In addition, tow bar coverage and pet protection are great included perks.

When you do request a quote for Allstate RV insurance, you’ll be directed to the National General website. Allstate is National General’s parent company and it provides RV coverage through its subsidiary. However, this coverage is still underwritten by Allstate.

Allstate RV Insurance: Recommended Alternatives

Even if Allstate RV coverage seems like the best option for you, it’s always worth getting quotes from a few other providers. Most major insurers offer an option to get free RV insurance quotes online, and we recommend considering the ones below.

Progressive: Editor’s Choice

In our 2022 study of the best RV insurance companies, Progressive earned the highest score and received our Editor’s Choice award. That’s because the company offers a compelling combination of coverage options and discounts, meaning that most RVers can get the coverage they’re looking for at reasonable rates.

Geico: Good Customer Service

\Most customers know what to expect with Geico: quality coverage, reasonable rates and strong customer service. When it comes to RV insurance from Geico, there are rarely any surprises. Geico offers a serviceable selection of coverage add-ons like a windshield deductible as well as a few discounts, such as for taking defensive driving courses.

Allstate RV Insurance: FAQ

Our Methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best RV insurance companies. We collected data on dozens of camper insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, and the insurers that scored the most points top our list.

Here are the factors our ratings take into account:

• Reputation (15% of total score): Our research team considered market share, ratings from industry experts and years in business when giving this score.
• Availability (15% of total score): Recreational vehicle insurance companies with greater state-by-state availability and few eligibility requirements scored highest in this category.
• Coverage (30% of total score): RVers can benefit from a wide variety of specialized coverage options. We evaluated companies based on the amount and diversity of coverage add-ons they offer for camper insurance.
• Cost (20% of total score): As RV insurance costs are highly variable, our research team mainly considered the availability of policy discounts.
• Customer Experience (20% of total score): Our research team took into account companies’ industry reputations with organizations such as the Better Business Bureau (BBB) as well as the ease and availability of in-person, over-the-phone and online services.

*Data accurate at time of publication.