Arizona RV Insurance

Experts break down recreational vehicle insurance costs, coverages, companies, and more.

RV in campground in Arizona. Find Arizona RV Insurance.

Arizona is a great place to own a recreational vehicle. In fact, residents of this state spend an estimated $174 million a year on RV sales and services.

Whether you are traveling to the many scenic RV parks the Grand Canyon State has to offer, or heading out on a cross-country tour, you can protect your investment and your finances by purchasing a good RV insurance policy.

Local independent agents are available to help you find a reliable policy that meets your coverage and budgetary needs. Find an insurance agent near you to get more information and to start comparing customized RV insurance quotes.

What Is RV Insurance?

Recreational vehicles are motor vehicles or trailers that provide living quarters. They typically include a sleeping area, kitchenette, and bathroom.

Because RVs can serve as homes as well as vehicles, they require a specialized type of coverage. RV insurance is a hybrid of homeowners insurance and auto insurance. You can purchase a policy that is customized to the type of recreational vehicle you own and how you use it.

How Much Does RV Insurance Cost in Arizona?

The cost of an RV insurance policy can vary significantly from one recreational vehicle owner to the next. Rates are calculated according to a number of factors such as:

  • Details about the RV you are insuring, including its type, make, model, year, length, weight, and value
  • The estimated value of the personal property you keep inside your RV
  • The number of miles you expect to drive your RV per year
  • The amount of time you plan to spend living in the vehicle each year
  • Your driving record and insurance claims history
  • The size of your deductible

To find out how much an RV insurance policy will cost you, you can start by contacting a few competing insurance companies and requesting customized quotes. Or, if you prefer, an independent agent can do this on your behalf.

Is RV Insurance Required in Arizona?

In Arizona, if your RV has a motor and is drivable, you are required by law to carry liability coverage on it. RV liability insurance is designed to pay for any property damage and injuries you may cause other people to experience if you are responsible for an accident while driving your RV.

Recreational vehicles have the same minimum coverage requirements as your car or truck. This means that your Arizona RV insurance coverage must meet or exceed the following amounts:

  • Bodily injury liability coverage per person: $25,000
  • Bodily injury liability coverage per incident: $50,000
  • Property damage liability coverage per incident: $15,000

RVs are larger and heavier than most vehicles on the road, so when they are involved in accidents, the property damage and injuries to others can often be extensive. That is why many RV owners in Arizona opt to purchase liability coverage in much higher amounts than the state requires.

If you want even more liability coverage than your RV insurance policy can provide, you can also purchase umbrella insurance. This is a very affordable way to significantly boost all of your liability coverage.

Additionally, although not required by law, you may be required by your lender to carry comprehensive and collision coverage on your RV until your loan is paid in full. These coverage types are designed to cover damage to your RV, regardless of fault.


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What Else Can Arizona RV Insurance Cover?

Maybe you only take your RV out once a year for a family vacation. Or maybe you plan to spend several months every year exploring the US. Or perhaps you live in your RV full time. Regardless of how you use your recreational vehicle, you can build a policy that is customized to your specific coverage needs.

You can do this by adding the appropriate types of optional coverage to the liability coverage in your RV insurance policy. Examples of the types of coverage options your insurance company is likely to offer include:

  • Collision coverage: This covers the cost to repair or replace your RV if it is damaged in a collision, regardless of fault.
  • Comprehensive coverage: This covers the cost to repair or replace your RV if it is lost or damaged while it is parked. Covered non-collision events include things like windstorms and floods.
  • Uninsured/underinsured motorist insurance: This can cover property damage and injuries you may sustain if you are in a collision caused by someone who lacks sufficient insurance coverage to pay for it.
  • Personal liability coverage: This is designed for people who live in their RVs full time. It provides the same personal liability protection you would normally get through a homeowners or renters insurance policy.
  • Vacation liability coverage: This is designed for people who periodically take their RVs out on trips. It provides additional liability protection if you are responsible for property damage or injuries while staying at an RV park and your home or renters policy doesn’t provide enough coverage.
  • Contents coverage: This is especially useful for people who own larger RVs like Class A motorhomes. It covers the cost to repair or replace property you keep in your RV, like appliances, furniture, and clothes, if it is lost or damaged by a covered event like a fire or a property crime.
  • Towing and roadside assistance: Most RVs require specialized towing if they become disabled. This coverage lets you rest assured that if you need to make a roadside assistance service call, doing so will not set you back financially.

It is important to be aware of what all your various options are as well as how much each one will cost you. That way, you can determine which options are a good fit for you and your family.

Where Can I Find the Best RV Insurance in Arizona?

When you are looking for the best and most affordable RV insurance policy, a local independent agent can help.  These agents are free to work with some of the best RV insurance companies in Arizona to find the policy that offers the coverage you want at the most competitive price.

Discover the many benefits of having a trusted insurance professional on your side. Arrange an obligation-free consultation with an independent insurance agent near you to start comparing customized RV insurance quotes.

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