RV Insurance in Illinois

Experts break down RV insurance costs, coverage, companies, and more in Illinois.

Written by Sara East
Written by Sara East

Insurance doesn’t have to be boring. That’s why we hired Sara East to be our BA insurance writer. Maggie specializes in making mundane subjects hella-entertaining.

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

Couple traveling by RV. Find Illinois RV Insurance.

When you think about Illinois, your brain may not jump immediately to exploring the state in an RV. But outside of Chicago, state parks and campgrounds can give you a nice reprieve from everyday life. Recreational vehicles, like any motor vehicle on the road, need to be protected with the proper RV insurance.

Whether you're in your RV a few times a year or every day, a local Illinois independent insurance agent can help you find the proper coverage for your setup and your lifestyle. Agents can answer your questions about coverages and costs and help you shop for RV insurance quotes in Illinois.

What Does RV Insurance Cover in Illinois?

RVs come in many shapes and sizes, and insurance is designed to protect you whether you're in a Class A, B, or C motorhome, travel trailer, or another type of recreational vehicle. 

The type of coverage you need will depend on the type of RV you have and how often you'll be using it. The more you're on the road, the more comprehensive coverage you'll need. If you live in your RV, you'll need full coverage that's similar to homeowners insurance.

RV insurance protects in the following ways:

  • Comprehensive coverageProtects your RV from damage due to objects, fire, severe storms, vandalism, and several other listed perils. 
  • LiabilityProtects you and your personal assets if you're in an accident that results in a third-party injury or property damage.
  • CollisionProtects you in the event of an accident where there's damage to your RV, regardless of fault.
  • Personal injury protection: Protects you if you're injured in an accident whether you're at fault or not.
  • Uninsured/underinsured motoristProtects you against any damage caused by an accident with an uninsured motorist.
  • Contents coverage: Protects your personal belongings within your RV if they're damaged during a covered event.

In addition to these policies, your agent can speak with you about optional coverages that could fill any gaps you may have in your insurance needs. These coverages can include:

  • Total loss replacement
  • Roadside assistance
  • Full-timer liability
  • Vacation liability
  • Attached accessories coverage

It's useful to consider how often you'll be in your RV and the type of activities you'll participate in to assure you have the proper coverage.

How Much Does RV Insurance Cost in Illinois?

RV insurance premiums are hard to predict because they vary greatly depending on the type of RV you have and numerous other factors. An RV that is used as a home that contains a kitchen, bathroom, television, and other amenities will cost more to insure than a pop-over trailer that is simply a bed and attaches to your truck. 

In addition to the size of your RV, carriers will consider the following factors when determining insurance premiums.

  • RV size, age, and condition
  • Your location and where you plan on taking your RV
  • Your experience driving or hauling an RV
  • How often you'll use your RV
  • The type of coverage you purchase
  • The amount of coverage you purchase
  • Your claim history
  • Chosen deductible 

Fortunately, RV insurance is similar to Illinois car insurance in that there are several  RV insurance discounts available to lower your premiums. Your agent can discuss bundling your RV insurance with your homeowners insurance and car insurance, loyalty discounts, safe driver discounts, and other ways to save. 

Is RV Insurance Required in Illinois?

Illinois requires all motor vehicles, including recreational vehicles that will be driven on the road, to have liability insurance coverage. 

The minimum limits of liability insurance required under Illinois law are:

  • Bodily injury liability: $25,000 per person and $50,000 per incident
  • Property Damage Liability: $20,000 per incident

If your RV is an attached trailer to another vehicle, you may not be required to have coverage. Sometimes your auto insurance can extend to your RV if it's a fifth wheel or a towed RV.

Every year, there are more than 948 fatal auto accidents in Illinois, so it's worth considering purchasing more than the minimum required insurance, including additional policies for protection.

What Are the Best RV Insurance Companies in Illinois?

Most insurance companies will carry RV insurance, making it crucial to compare policies in order to save money on your premium. An independent insurance agent can make sure that you get a customized quote from a top-rated company.

The best RV insurance companies in Illinois have a reputation for good customer service, easy claim processes, and affordable rates. 

How Can an Independent Insurance Agent Help Me Find the Best RV Insurance in Illinois?

Independent insurance agents are located across the state and are familiar with state laws and regulations when it comes to finding insurance for a recreational vehicle. After a no-obligation consultation with an agent, they'll shop policies and present you with the best RV insurance quotes in Illinois.

Agents can answer your questions and will work with you long after you've secured coverage. Should you need to make a change or file a claim, they're available to help you through that process. Work with a local agent in your area today.

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