According to the Insurance Information Institute’s table of Automobile Financial Responsibility Laws by State, 49 out of all 50 states, as well as the District of Columbia, require you to have some sort of liability coverage for all vehicles on the road, including RVs. The only exception to this rule is the state of New Hampshire, which has no mandatory insurance law, and only requires financial responsibility from the person at fault in a car accident.
Bus-conversion homes are a popular and fast-growing trend within the RV lifestyle. City buses, Greyhounds, and even school buses are highly sought after and, once renovated, become non-traditional RVs that fall into the Class A category. While bus renovation projects are becoming mainstream, they can be difficult to insure. Buses, especially school bus-converted homes or “Skoolies,” are considered more of a risk due to their weight and balance limitations. Vehicles originally built for mass transportation do not have the same axle and weight distribution as traditional RVs, which are designed for sleeping and carrying additional living necessities.
The company’s personal belongings coverage protects items, from laptops and linens to attachments and accessories, up to $3,000. Customer belongings are insured for what they paid and not a depreciated amount. They also have the option of adding more coverage if needed. The permanent attachments coverage works similarly, automatically ensuring any items attached—such as awnings, satellite dishes, and TV antennas—for the full amount it would cost to replace them instead of a depreciated amount.
Nationwide’s coverage options make it easy for part-time RV users with accessorized RVs to get the support they need. Besides basic coverage, Nationwide also insures personal belongings and sound systems. If you’ve tricked out your RV especially for vacation, Nationwide has you covered there, too: It provides roadside assistance, rental reimbursement, emergency expenses, and vacation liability for personal injuries.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.
1 If your RV is totaled or stolen (and not recovered) in its first five model years it will be replaced with a comparable new RV, even if you’re not the original owner. After the first five model years, you will receive your full original purchase price — not a depreciated amount — toward the purchase of the replacement RV. Replacement Cost Coverage must be purchased during the RV’s model year or within the following four years.
Coverage for a wide variety of RV types may be obtained through RVInsurance.com. Class A, B, and C Motorhomes, Fifth-Wheel and Conventional Travel Trailers, Airstream Trailers, Trucks Campers, Bus Conversions, Toy Haulers, Horse Trailers, Pop-up Tent Trailers, and other specialty and custom RVs can all be covered by the company’s insurance options. The experts at RVInsurance.com are able to find insurance coverage for any kind of RV or motorhome clients might drive.

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While State Farm’s website recommends speaking with an agent to see what discounts are available to you for motorhome insurance, it doesn’t list any universal discounts. It’s still possible to save on your premiums, but there’s less transparency about what you may qualify for. If discounts are important to you, it’s best to get clarity from a State Farm agent on what to expect before signing up.
Note that USAA ranked in the first or second spot in almost all cities, but we've excluded them from this table because the company only serves military and affiliated members. Below is also a deeper dive by the largest cities of the most affordable insurers by age and marital status to give drivers a further idea of the going rates for auto insurance. We've excluded USAA from the city specific tables as well.
The cheapest car insurance, period, will likely carry the minimum coverage required in your state. In most states, this is liability insurance only, which covers property damage and medical bills for others due to accidents you cause. Some states also require uninsured and underinsured motorist coverage, which pay for your injuries or damage if an at-fault driver doesn’t have enough insurance.

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Still, regardless of whether your state requires you to have an RV insurance policy, it’s always best to have one if you plan on living in your RV full-time to protect yourself and your vehicle against any damages and covered losses. On the other hand, if you plan on using your RV seasonally or for short trips, then liability coverage might be enough.
Good Sam shows an outstanding number of positive reviews on Birdeye, a platform which the company uses in order to get first-hand customer feedback that is both relevant and reliable. On the platform, customer satisfaction relating to its products and services hovers at around 96%. The company is also accredited with the Better Business Bureau, where it currently holds an excellent A+ rating.
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