Progressive Home Advantage® policies are placed through Progressive Advantage Agency, Inc. with affiliated and third-party insurers who are solely responsible for claims, and pay PAA commission for policies sold. Prices, coverages, privacy policies, and PAA's commission vary among these insurers. How you buy (phone, online, mobile, or independent agent/broker) determines which insurers are available to you. Click here for a list of the insurers or contact us for more information about PAA's commission. Discounts not available in all states and situations.
NerdWallet compared quotes from these insurers in ZIP codes across the country. Rates are for policies that include liability, collision, comprehensive, and uninsured/underinsured motorist coverages, as well as any other coverage required in each state. Our “good driver” profile is a 40-year-old with no moving violations and credit in the “good” tier.
Data was obtained from the Texas Department of Insurance for a thirty year old single male driver across 78 cities. He owns his car and uses it primarily for work purposes, averaging about 12,000 miles annually. Insurance policies include Texas’s minimum auto insurance liability requirements: $30,000 for bodily injury liability per person (up to $60,000 per accident), and $25,000 of property damage (30/60/25 coverage) liability insurance, 50/100/50, as well as 100/300/100. Car insurance costs are based on a 2011 Toyota Camry four-door sedan, with 2.5 liter/4 cylinder engine.
While many companies require you to call in to file a claim, Allstate offers a myriad of options, so you can choose what’s most convenient for you. Whether you’re a registered Allstate customer or just using a guest account, you can file a claim through an online report, directly contact a local agent, or call in to the 24/7 customer service hotline.
The AARP Auto Insurance Program is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In CA, it is underwritten by Property and Casualty Insurance Company of Hartford; in WA, MI, MN, by Trumbull Insurance Company; in MA by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, Hartford Accident and Indemnity Company; and in PA by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. Auto and Home are currently unavailable in Canada and U.S. Territories or possessions.
Getting an insurance quote on RVInsurance.com is a fast and uncomplicated process. Users only need to input their zip code to start so that the company can verify if they are in one of the 48 continental states where it can provide them with quotes. Then, it’s a matter of providing some personal and vehicle information, choosing from any available discounts, and getting a final rate.
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Personal Injury Protection covers you and your passengers in the vehicle, without any standard deductible to pay before it pays out. It can cover the hospitalization and rehabilitation for you and your passengers, up to the policy limits that you choose. PIP only applies towards medical expenses, not any property damage. PIP also covers substitute services if the auto related injuries prevent you from performing your standard household tasks.
Long story short, car accidents can happen and it always seems as though they occur at the most inconvenient of times; which is why having a good low-cost insurance company to take care of you is so important. An auto insurance policy is there to help cover the cost of the repairs to your vehicle and medical expenses in the event of an accident; helping you get your life back to normal as fast as possible while also doing our best to alleviate the stress often associated with an auto accident.
Basic coverage — which is required by law — offers you protection for personal injuries and damages to the vehicle, but it won’t cover extras like your belongings inside. If you live in your RV full-time, it might also be a good idea to invest in additional protection that covers your housing expenses or RV replacement costs. Before shopping around, draw up a list of necessary coverage options and make sure they’re offered by your prospective provider.
Safeco’s coverage options include some less common offerings that may appeal to RV owners with more particular concerns. Along with Progressive, Safeco is one of the only insurers to provide pet injury insurance, along with total loss replacement for your RV in the event of an accident. On top of the original price of your RV, Safeco can also insure any custom AV equipment or decorative additions, such as a speaker system, TV, special flooring, wheels, or decals.
Most of our top picks offer a slew of discounts, so be sure to check out each company’s available options. Typically, you’ll save money if you’re able to bundle your auto and RV insurance together. Some providers also offer discounts for having a membership to an RV club or completing RV training/safety courses. Additionally, many insurers consider you less of a risk if your RV is equipped with updated safety features like air bags, anti-lock brakes, and anti-theft devices. And remember: The fewer traffic violations you have, the lower your premium will be.
Usually, when people think of RVs, the first thing that comes to mind are the typical campervans packed with small appliances and elevated roofs, or the spacious and luxurious Class A motorhomes that cruise America’s Interstate Highways. While these are amongst the most popular RV models, RVs come in many shapes and sizes, and some are even designed just to store belongings, with no sleeping quarters or mini fridges in sight. However, RVs oftentimes include amenities such as cooking equipment and storage space. They can be self-motorized or towed behind a vehicle.
While not all large insurance companies are the same, some of them might be selling insurance policies for vehicles that they do not have much experience covering. RV insurance in particular is offered by many auto insurance companies who may not be well prepared for handling the intricacies of an RV insurance claim. When choosing who is going to insure your vehicle, make sure it is a provider who specializes in RV insurance—regardless of its size—or that at least has a good track record of dealing with RV insurance policies and claims.
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.
Choosing the lowest price/inadequate coverage. The lowest prices will typically leave you vulnerable on the back end; should an accident or collision occur, your lower premium will require you to spend much more out of pocket. The same goes for inadequate coverage. Specifically, don’t cut corners when it comes to liability coverage; instead, shop around for the provider that will protect you most while also catering to your needs, lifestyle, and budget.
Specialized RV coverage might sound expensive, but its more affordable than you might think. Once you factor in all the available discounts and take advantage of sensible, money-saving coverage features like the Storage Option, you could be saving hundreds over the course of a year. If you’re trying to protect your RV with insurance coverage that’s suited for a car, then you’re putting it at risk.
Companies also needed to offer full-timer coverage for those who live year-round in their RV; full replacement coverage in the event the RV is totaled or stolen; personal belonging coverage for the property inside the RV, including electronics, appliances, and jewelry; vacation liability coverage for injuries that occur at the vacation site where the RV is parked; and permanently attached items coverage for items like satellite dishes, wheelchair lifts, or retractable canopies. Finally, companies also were required to cover most, if not all types of recreational vehicles.