Progressive RV Insurance Review, Pros & Cons

The climatic factors often boil down to coverage and cost for those seeking coverage for their recreational vehicles (RVs).In our team’s extensive industry study, Progressive RV Insurance stands out for its compelling blend of comprehensive coverage and competitive pricing. As the largest motor insurance carrier in the U.S.

 Progressive’s dominance extends to RV insurance, offering diverse coverage types and an array of add-ons for policy customization. Explore the details of our review on Progressive RV Insurance to gain insights into its coverage options, pricing structure, customer satisfaction levels, and the pros and cons of securing a policy with this provider.

What sets Progressive RV Insurance apart from the rest?

To understand what sets progressive travel trailer insurance apart from others, consider looking into the following aspects:

Accident Forgiveness Programs: Progressive stands out with its forgiving accident programs, a feature uncommon among competitors. This benefit activates after a period without accidents, encouraging responsible driving habits among RVers.

Extensive Range of Discounts: Progressive distinguishes itself by providing one of the most comprehensive travel trailer insurance discounts compared to other providers. This includes unique discounts not commonly found elsewhere, offering ample opportunities for RV owners to reduce insurance premiums.

Specialized Roof Protection: Progressive addresses a common coverage gap by offering an optional add-on tailored for RV roofs. Recognizing the vulnerability of these structures, this coverage ensures protection against potential damages, setting Progressive apart in this aspect.

Progressive RV Insurance Coverage

This coverage is extensive, aiming to safeguard you and your recreational vehicle from various risks on the road. The fundamental components include 

  • Liability Coverage: Addresses bodily injury and property damage in accidents where you’re at fault, providing financial protection for third-party claims.

  • Collision Coverage: Protects against damage from accidents with other vehicles or objects on the road.

  • Comprehensive Coverage: Extends protection to non-collision events such as theft, vandalism, fires, and natural disasters, offering comprehensive coverage for various risks.

  • Uninsured/Underinsured Motorist Coverage: Crucial in scenarios involving drivers without adequate insurance, providing coverage if you’re in an accident with an at-fault driver who lacks sufficient insurance.

  • Medical Payment Coverage: Assists with medical expenses for you and your passengers in the event of an accident, regardless of fault.

  • Personal Injury Protection (PIP): Offers financial support for medical expenses and other related costs, providing additional coverage beyond standard medical payment coverage.

  • Optional Roadside Assistance: Additional coverage that can be opted for, offering assistance in situations such as breakdowns, flat tires, or towing needs, enhancing the overall support system for RV owners.

RV Types Covered by Progressive

 In general, RV styles can be categorized as either towables or motorhomes. Progressive camper insurance sets value limits on the campers it covers, but the company is willing to provide insurance for nearly any type of RV.

Towable RV

It is a type of recreational vehicle that lacks its own driving capability and necessitates a separate towing vehicle for transportation. The primary categories of towables comprise:

  • Travel Trailers: This is the most widespread type of RV, offering a wide range of options in terms of trim, features, and amenities.

  • Teardrop Trailers: Characterized by their distinctive shape, these campers are relatively affordable and surprisingly equipped with numerous amenities.

  • Pop-up Campers: While these RVs unfold into full-sized campers when stationary, they compact for enhanced aerodynamics during towing.

  • Toy Haulers: Tailored for outdoor enthusiasts, these trailers feature storage space for surfboards, skis, fishing equipment, and other recreational items.

  • Fifth-Wheel Trailers: Named for the unique trailer hitch used to tow them, fifth-wheelers are typically the largest RVs in the towable category, offering diverse features.

  • Cargo and Horse Trailers: Progressive’s coverage extends to trailers for transporting horses and personal belongings.

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Motorhome RV

The Motorhome campers, also known as self-propelled RVs, are constructed on a car, truck, or bus chassis and can be driven independently. There are three primary types of drivable RVs:

  • Class A Motorhomes: These RVs typically boast extensive features and amenities, representing the largest models in the drivable category.

  • Class B Motorhomes: Despite the name, these RVs are the smallest within the drivable group and are often referred to as camper vans due to their construction atop a cargo or passenger van chassis.

  • Class C Motorhomes: Slightly smaller and more maneuverable than Class A RVs, Class C motorhomes offer more space and features than most Class B RVs.

Progressive RV Insurance Cost

Progressive offers policies starting at a budget-friendly $125 per year for those seeking liability-only coverage.In 2022, the typical annual premium for a 12-month progressive motorhome insurance policy was $573 for a travel trailer and $958 for a motorhome. 

It’s important to note that insurance rates can vary based on factors such as: 

  • Age and Gender: Younger and less experienced drivers may face higher premiums. Additionally, statistically, men tend to have higher accident rates than women, affecting rates.

  • Driving History: A clean driving record typically results in lower premiums, while accidents, tickets, or other violations can lead to increased rates.

  • Vehicle Type: The make, model, year, and safety features of a vehicle can impact progressive recreational vehicle insurance rates. High-performance or luxury cars may have higher premiums, while safety features can lead to discounts.

  • Location: Where you live can affect insurance rates. Urban areas may have higher rates due to increased traffic, crime rates, and the likelihood of accidents.

  • Coverage and Deductibles: The type and amount of coverage you choose and the deductible (the amount you pay out of pocket before insurance kicks in) will influence your premiums.

  • Credit Score: In some regions, insurers use credit scores to determine rates. A higher credit score may result in lower premiums.

  • Usage Patterns: How much you drive and for what purpose (commuting, business, pleasure) can affect your rates. Those who drive more miles or for business may face higher premiums.

  • Claims History: It can impact your rates if you’ve made previous claims, especially if you were at fault.

  • Discounts: Insurers often offer discounts for various reasons, such as bundling multiple policies (home and auto), having multiple cars on the same policy, being a safe driver, or completing a defensive driving course.

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Progressive RV Insurance Pros and Cons

Progressive, a prominent name in the insurance industry, extends its coverage to the world of RVs. Here’s a comprehensive review outlining the potential pros and cons to help you navigate the road ahead.


Diverse Coverage Options

Progressive is known for offering a range of coverage options tailored to the unique needs of RV owners. This might include comprehensive, collision, and liability coverage.

Discount Opportunities

The insurer often provides discounts, rewarding safe driving habits, multi-policy bundling, and other qualifying criteria. These discounts can contribute to cost savings.

User-Friendly Online Tools

Progressive’s online platform is designed for ease of use, allowing customers to conveniently obtain quotes, manage policies, and file claims.

Customization Options

Tailor your RV insurance policy to align with your exact necessities. Progressive typically offers flexibility in coverage, allowing you to craft a policy that suits your lifestyle.


Coverage Limitations

Depending on individual preferences and needs, certain aspects of coverage might have limitations. Understanding the scope of the policy is crucial to avoid surprises during a claim.


Verify whether the insurance options, including Progressive RV insurance, are accessible in your specific location. It may not be universally available, and its services might not extend to all regions.


Progressive RV Insurance stands as a reliable companion, offering not just protection but a sense of security, allowing you to focus on the thrill of the journey. Consider Progressive as your partner in exploration, providing a safety net that allows you to travel with confidence.

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