Insuring Your RV in Arizona: What to Expect and How to Prepare
- Charlotte Burr
- Mar 24
- 2 min read
Planning to hit the open road and explore the breathtaking landscapes of Arizona in your RV? Before you roll out, make sure your RV is properly covered. The right insurance is important to protect yourself and your vehicle.
Arizona’s Minimum Insurance Requirements
Just like any other motor vehicle, Arizona requires RVs to have a minimum level of liability coverage. The state requires the following minimum coverage for all RVs: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage per accident. While these are the minimum requirements, we strongly recommend higher limits to ensure you're adequately protected financially. RV accidents can be expensive, as the vehicles themselves are costly and can cause significant damage to others.
For non-motorized trailers, the liability coverage of the towing vehicle extends to the trailer. However, we recommend adding extra comprehensive and collision coverage. It's a smart move for peace of mind, as trailers can be valuable, and you’ll want their worth properly reflected on your policy.
Optional Coverage for Your RV
In addition to the state-required liability coverage, there are several other optional coverages to consider for your RV:
Comprehensive Coverage: Protects against damages not caused by a collision, such as theft, vandalism, or weather-related incidents (like hail).
Collision Coverage: Covers damage to your RV in the event of an accident, regardless of who’s at fault.
Emergency Expenses: If your RV is inoperable and you need somewhere to stay while it's being repaired, this can help cover the expenses. For example, if your RV has flat tires and it can’t be fixed for two days, emergency expenses will cover a hotel for you to stay at.
How much is RV insurance?
Prices can vary significantly based on several factors, but the most important ones are your claims history, how frequently you use your RV, credit score, and the type and model of your vehicle.
Independent insurance brokerage located in Tempe, AZ. We offer auto insurance, homeowners insurance, life insurance, renters insurance, commercial insurance…
Disclaimer: Coverage will vary on state, insurance company, and type of policy
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