RV Insurance in Missouri

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

Written by Meg Stefanac
Written by Meg Stefanac

Financial blogger and business owner, Meg Stefanac, has more than 15 years experience working in the financial services industry and enjoys helping individuals make solid financial decisions. Meg has extensive experience writing about insurance and finances and is a key contributor to TrustedChoice.com.

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.

Roadtrip with RV in Missouri. Find Missouri RV Insurance.

Traveling and living in an RV is a popular pastime for many people in Missouri. In fact, residents of the Show-Me State spend more than $81 million a year just on RV sales and service. If you own a recreational vehicle in Missouri, a solid and reliable RV insurance policy can protect your finances.

Local independent agents can shop around to find you a good policy at a competitive price. Talk to an independent insurance agent near you to start comparing customized quotes from some of the best RV insurance companies in Missouri.

How Much Does RV Insurance Cost in Missouri?

If you are a first-time recreational vehicle owner, you are probably wondering if RV insurance is expensive. The answer is: It depends.

RV insurance rates can vary between a few hundred and a few thousand dollars a year. Your customized RV insurance quotes will be based on several factors such as:

  • Whether your RV is a motorized vehicle or a trailer
  • Your RV’s type, class, length, weight, value, and condition
  • Whether you are a part-time or a full-time RVer
  • The estimated number of miles you plan to drive your RV per year
  • Your driving experience and your insurance claims history
  • The amount of liability coverage you want to purchase
  • The value of the personal property you have in your RV
  • Which, if any, coverage options you are including in your policy

Coverage for smaller vehicles like camper vans and travel trailers is much less expensive than it is for large, luxury RVs like Class A motor homes.

You may be able to earn valuable discounts on your RV insurance coverage by bundling it with other policies like car insurance or homeowners insurance or by having a solid history as a safe driver.

Is RV Insurance Required in Missouri?

In Missouri, if your recreational vehicle is a non-motorized trailer, like a fifth-wheel or a travel trailer, coverage is not required by the state. Instead, your RV can be covered through a trailer insurance endorsement on the auto insurance policy of the vehicle that will be towing it.

However, if your RV is a self-propelled vehicle, like a motor home or a camper van, you are required by law to cover it with an RV insurance policy. In this case, your recreational vehicle will be held to the same minimum coverage requirements as your car or truck.

Additionally, though it is not required by law, physical damage coverage may be required by your lender if you are still paying for your recreational vehicle.

What Kinds of Coverage Can an RV Insurance Policy Provide in Missouri?

In Missouri, a minimum-coverage RV insurance policy will be one that meets the state’s minimum requirements but nothing more. In this state, all RV insurance policies must include:

  • Liability insurance: This covers other people’s medical bills and property damage if you cause a collision. Your policy must include, at a minimum:
    • Bodily injury liability insurance per person: $25,000
    • Bodily injury liability insurance per accident: $50,000
    • Property damage liability insurance per accident: $25,000
  • Uninsured motorist insurance (UIM): This can provide coverage if you or your passengers are injured in an accident caused by an uninsured or underinsured driver. Your policy must include, at a minimum:
    • UIM bodily injury insurance per person: $25,000
    • UIM bodily injury insurance per accident: $50,000

In addition to the coverage that is required by law, if you are still making payments on your recreational vehicle, your policy will also have to include the following types of physical damage insurance:

  • Collision insurance: This covers the cost to repair or replace your RV if it is damaged or totaled in a collision, regardless of fault. 
  • Comprehensive insurance: This covers the cost to repair or replace your RV if it is damaged or totaled by a non-collision event such as a severe storm or theft. 

A minimum-coverage policy is not always the best option. Though it will be less expensive, it can end up costing you more in the long run. RVs are larger and heavier than most vehicles on the road, so if you cause a collision, these policies are likely not to be sufficient to cover your liabilities. 

That is why most RVers in Missouri opt to purchase much more auto liability coverage than the state requires. To get even more coverage, you can supplement your RV insurance with an umbrella insurance policy.

Also, although a minimum-coverage policy provides coverage when you are using your RV as a vehicle, it does not offer any coverage when you are using it as a home. Frequent and full-time RVers may therefore want to include some of the many available coverage options in their policies, such as:

  • Personal liability coverage: This is ideal for people who live in their RVs full time. It is designed to provide the same personal liability protection you would normally get through a homeowners or renters insurance policy.
  • Vacation liability coverage: This is ideal for people who take their RVs to various RV campgrounds. It is designed to provide additional liability protection, so you don’t need to worry about costs if you accidentally cause property damage or injuries to others while staying at an RV park.
  • Contents coverage: This is ideal for those who have a lot of valuable personal property in their RVs, which is often the case with people who live in their RVs full time. It can pay to repair or replace this property if it is lost or damaged by a covered event like theft, fire, or flood.
  • Towing and roadside assistance: Because most RVs require specialized towing if they become disabled while you are out on the road, service calls can get expensive, especially if you are out in the middle of nowhere. This insurance is designed to cover the costs.

Be sure to review all coverage options offered by the insurance providers you are considering. Looking at what these options cover and how much they cost will help you make an informed decision about which offer a good value to you and your traveling companions.

What Is RV Gap Insurance in Missouri?

As long as your RV insurance includes physical damage coverage, you can be compensated for its value if it is totaled in a covered event.

If your RV is relatively new and you do not have gap insurance, your compensation may not be sufficient to pay off your RV loan, leaving you still making payments on a vehicle you no longer own.

RV gap insurance is designed to solve this problem by bridging the gap between what you still owe for your recreational vehicle and what it is currently worth.

This is often important coverage during the first couple of years of new RV ownership, because this is when the value of your RV is likely to depreciate faster than the principal on your loan decreases.

Once your loan catches up to your vehicle value, this insurance is no longer of any value, so most people only pay for it for a year or two.


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Missouri Health Insurance for Full-Time RVers

Health insurance is important coverage for all. If you are not insured by an employer-provided policy, Medicare, or another health plan, a local independent agent can help you review your options on the private market.

Your agent can assist you with finding a policy that will provide the coverage you need no matter where in the US you travel. Your agent can also help you find suitable health insurance coverage if you plan to spend time camping in Canada or Mexico.

How to Find the Best Full-Time RV Insurance in Missouri

When you are searching for the best RV insurance policy, it is a good idea to compare policies and rates from a few competing insurers. This lets you be sure that you are getting the coverage you want at a reasonable price.

Local independent insurance agents have established relationships with some of the best RV insurance companies in Missouri, so they can quickly and easily do the comparison shopping on your behalf.

Because these agents only work with highly rated insurance companies, you can be sure that any policies your agent recommends to you are offered by providers that have a time-tested record of reliable coverage, excellent service, and competitive rates.

Why Shop RV Insurance with a Missouri Independent Insurance Agent?

Independent agents work for you, not for a specific insurance company. These agents are available to answer your insurance-related questions, offer trustworthy guidance and advice, and help you find the coverage you want at the most competitive price.

There are many benefits to having a local insurance professional on your side. And with agents all over the country, it is easy to find one near you no matter where your RV takes you.

Arrange an obligation-free consultation with an independent insurance agent to learn more and to start comparing customized RV insurance quotes.

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