Our motorhome insurance offers many of the same benefits as our car insurance plans plus additional features to address the risks specific to your type of RV and how you use it. That means you can enjoy the same quality insurance coverage and value for your money while adding in all the extras your motorhome needs at a rate you can afford. Speak with your insurance agent or a specialist at The Hartford; we’ll help you choose the RV insurance coverage that’s right for your vehicle. Get an RV insurance quote today to learn more.
State Farm has many satisfied customers in Texas, judging by its 15% market share — the largest in the state. State Farm outperformed almost every company on our list in customer service scoring by J.D. Power and Consumer Reports. It also has a stellar website, which helps you understand which coverages best fit your specific needs. We would’ve liked a Live Chat feature, but there are plenty of contact alternatives, including a mobile app.
One particular advantage of adding endorsements rather than seeking coverage through a separate insurer is that you have all of your coverages in one place. Furthermore, if you have, say, home and flood insurance with the same company and you need to file a home and flood claim, some insurers may only require a single deductible for coverage to kick in. Some endorsements that are indicative of a good homeowners insurance company are:
As we have seen, this is usually not the right question to ask. However, that won’t prevent inquiring minds from asking – over and over. An answer to the question that isn’t going to be universally correct, therefore, is that insurance that follows the car usually has the vehicle listed in the policy. If anyone who has your permission drives the car, that person is probably covered by virtue of the fact that the car is covered. However, as we’ve seen, this kind of insurance does not cover everyone. There are qualifications for the drivers covered. Other types of coverage such as collision or comprehensive insurance will usually follow the car. These coverages will usually not “follow the driver” to any vehicle which the “covered” driver operates.
Reviews.com makes money through affiliate partner links: If you click on a link, we may earn a commission. Our writers and editors create all reviews, news, and other content to inform readers, with no influence from our business team. Learn more about how we make money. We take pains to ensure our site is accurate and up to date, but some information might be different than what you find by visiting a vendor website. All products are presented without warranty.
We surveyed 2,799 consumers who filed a car insurance claim in the last five years, asking questions about their car insurance company. These questions covered satisfaction with the ease of filing a claim, customer service, claim status communication, claim resolution, and overall value. We also asked whether they’d recommend the company and if they planned to renew their policy. We used their responses to build our Best Car Insurance Companies ranking.
Matthew thanks for posting this. You’re absolutely right. USAA has gone down the tubes, I dont get it, a simple claim recently for auto, turned into a nightmare. bouncing my calls all over the country with a bunch of idiots for claim reps answering the phones, and forcing my car into total loss when it should not have been, and paying only a portion of the damage even though I have collision.

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.
I LOVE USAA! I am surprised it’s not higher on that list. I had Allstate and they never fought for me or my family even though we were paying more than we are paying now. Over where we are at, the speed limit for the highway is 70. There was hardly anyone on the road so my husband drive on the far left since there is a lot of exits in the far right lane. This woman pulled out in the far left lane doing 20. My husband didn’t have time to break because she pulled out right in from God us with no turn signal. But Always was already assuming it was his fault even though they can review the car to see how fast he was going and who was in the wrong. I am glad we dropped them and moved to USAA. They are the best!
Nationwide’s coverage options make it easy for part-time RV users with accessorized RVs to get the support they need. Besides basic coverage, Nationwide also insures personal belongings and sound systems. If you’ve tricked out your RV especially for vacation, Nationwide has you covered there, too: It provides roadside assistance, rental reimbursement, emergency expenses, and vacation liability for personal injuries.
Hippo takes the top prize for the fastest, most “how the heck did they do that” quoting experience in the home insurance marketplace. The application process with Hippo is actually quite remarkable — you’re promised a quote in 60 seconds, but it’s really closer to 30. To apply, all you do is type in your address, and Hippo almost instantly shoots you an estimate along with information about your home’s specs.
To get comparative insurance rates for this study, U.S. News also worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state. Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage ranging from 6,000 and 12,000.
It doesn't matter if you use your RV recreationally or as a full-time residence—the best RV insurance covers your unique needs. Just start an RV insurance quote online, and we'll help you build a custom policy that protects you and your motorhome or travel trailer in almost any situation. Quoting RV insurance with us takes as little as three minutes—get started now and hit the road with confidence.
I was with Liberty Mutual for about 15 years and was very satisfied with their prices and service, although I never filed a claim. When I retired and moved from California to Florida, my auto rate went up a ridiculous amount, to almost $10,000 a year even though I had no accidents and one minor moving violation in the last ten years. On top of that, Liberty Mutual screwed up my umbrella policy and told me it was “unenforceable,” whatever that means, but I had to pay for the policy anyway up to the time I canceled and switched to Progressive, which cost about one third the cost of Liberty Mutual for an identical policy. Even good companies change over time.
In order for insurance to cover an accident when the insured is not present, there will need to be comprehensive auto coverage. The facts of each such case definitely matter. If the driver is a relative, then most likely the absent insured’s insurance will cover the accident. The driver also needs to have had permission, express or implied, or the insured’s insurance may not cover the claim, unless the vehicle was stolen. Individual insurance companies and policies may vary in regard to these rules.
If you live in your RV full-time for more than six months of the year, Allstate will not be able to insure your RV. Because of that, Allstate is a more suitable provider for people who only use their RVs occasionally: Its policies include basic coverage, sound system coverage, personal belongings coverage, medical payment, roadside assistance, and rental reimbursement.

As a professional auto insurance company, we can offer you the right coverage that is unique to your needs. At your convenience, we are here for you twenty-four hours a day, seven days a week. Quickly and easily submit your application for a free insurance quote using our easy to use website. As a customer, you will enjoy our suite of customer service forms all from your local agent.


I have been a GEICO customer for about least 15 years. Claims and customer service are not the issue with them. After said years of faithfully paying my insurance on time and renewing each year I accidently back into a car in my driveway. The cars were repaired without incident. However, GEICO penalized me by taking away my good driver discount and increase my monthly insurance rate by nearly $100.00 ; leving a hefty penalty for making a claim. I can’t imagine the money they made off of me during the 15 years I’ve faithfully paid auto insurance. I am hunting for a new auto insurance carrier since GEICO obviously thinks driving is perfect and accidents never happen.
If you’re a first-time homebuyer who’s never had to deal with an insurance company before, State Farm may be your company. With a helpful website featuring industry-best educational resources, a quick and easy quoting process, and a stellar mobile app where you can view your policy, pay your bill, and file claims, State Farm offers one of the easier insurance experiences in the industry.

Now as to Hartford, I have had them for years and claims for uninured motorist on my car ins and for storm damage on my roof due to large hail. Both claims settled satisfactorily. Cost to the company will never be recovered thru cost of my policies. Also policy cost is in line with other large companies but defiantly not cheap. I just received a quote from Liberty Mutual on my car insurance $400 less that Hartford. However the agent seemed reluctant to send me the quote via email. I thought this strange since I wanted to verify the coverage was he same as I have, he said I just reviewed the coverage (via phone call) to which I replied I didn’t record the conversation so please send me an email detailing the cost and coverage, He stated he would but that was a couple hours age and still haven’ heard back. Go figure.
To get the cheapest car insurance, start by comparing rates. You can use our list of the Cheapest Car Insurance Companies to see which company has the cheapest rates in our study for your situation. Don’t stop there, however. A company with cheap rates may not have the best service or very satisfied customers. Balance cheap auto insurance rates with the kind of service you want to live with when choosing an insurance company.
We surveyed 2,799 consumers who filed a car insurance claim in the last five years, asking questions about their car insurance company. These questions covered satisfaction with the ease of filing a claim, customer service, claim status communication, claim resolution, and overall value. We also asked whether they’d recommend the company and if they planned to renew their policy. We used their responses to build our Best Car Insurance Companies ranking.
USAA only sells policies to current and former members of the military and their families and is consistently rated at the top of its class by A.M. Best with an A++ financial strength rating. It doesn’t have an official customer service rating with J.D. Power, but USAA is noted by J.D. as providing “claims satisfaction and shopping satisfaction”. A perk of USAA is if your uniform is damaged or stolen in an event your policy covers and you are on active duty or deployed, USAA will reimburse you without you having to pay a deductible.
Many providers offer discounts as rewards for “good” customer behavior. Common ones include discounts for driving safely, paying your entire annual premium upfront, keeping your RV in storage for part of the year, switching from another provider, holding membership in an RV association, or taking an RV safety course. We noted if a provider listed generous discounts available to all customers. However, many discounts vary depending on location. To see if there are any specific to your area and to compare RV insurance prices, ask an agent.
To ensure that providers’ financial affairs were up to snuff, we looked at independent evaluations from insurance rating and credit rating agencies A.M. Best, S&P Global, Moody’s, and J.D. Power. While each agency has its own rating scale, we required companies to have A or “above average” ratings from all four — solid indications that companies are in great financial health. Acquiring ratings from all four agencies also indicates that companies care enough about their business’ reputation to apply for these voluntary review processes. For an industry that’s centered around the principle of being there when you need help most, we found this focus on transparency to be the mark of a good provider. Smaller companies like Good Sam or National Interstate may provide seemingly better discounts, but they tend to only submit themselves for review to one or two agencies.
Farmers has the fifth-largest market share in Texas at 8.2%. According to J.D. Power, Texans are more impressed with their Farmers claims experiences than they are with Allstate’s. Unfortunately, Consumer Reports readers expressed a bit more annoyance with the timeliness of their payments when comparing Farmers to State Farm and Allstate. Farmers’ financial strength is also a couple of notches lower than the rest. This doesn’t mean that the company's about to go bankrupt — it’s just the difference between “quite stable” and “completely rock-solid.”
While an “insured vehicle” may include a friend or neighbor’s vehicle or a rental car, if the vehicle was available for regular use, it might be excluded. A “replacement” vehicle will probably be covered, but in some cases only under circumstances where the insured’s vehicle cannot be operated for some specific reason, such as a repair. Coverage might not follow anyone if the insured is driving a vehicle other than a “private passenger vehicle not owned and listed on the insured’s policy.” There really is no such thing as a standard auto policy anymore and coverage for non-owned autos will be different under some policies and non-existent under others.
Reviews.com makes money through affiliate partner links: If you click on a link, we may earn a commission. Our writers and editors create all reviews, news, and other content to inform readers, with no influence from our business team. Learn more about how we make money. We take pains to ensure our site is accurate and up to date, but some information might be different than what you find by visiting a vendor website. All products are presented without warranty.

Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. To get the state-wide study rates shown here, we computed the mean rate for male and female drivers ages 24, 35 and 60 who drive 15,000 miles per year, have medium coverage, good credit and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.
State Farm: State Farm is the third-best car insurance company, though its overall score is very close to second-place Travelers. State Farm gets high marks from its customers for ease of filing a claim, and many State Farm customers say they're likely to renew their policy with the company. State Farm customers report being satisfied with the value they get from the company, and it’s no wonder they say that: State Farm rates are, on average, lower than most of the competition.
Certain factors must be considered in determining if an insured is covered when driving someone else’s vehicle, including the reasons for driving the vehicle, if the insured had permission or not, or if it was a rental or dealership loaner. In each case, the individual circumstances and state law involved will factor into the outcome, but another policy might be considered primary over the insured’s.

However, their online quote process is not instant; instead, you’ll fill out your personal information, your vehicle and the coverage you want. This information will be routed to a local AAA insurance agent to follow-up within one business day. Not every major insurance company operates with local agents, and many would rate this more personal touch as a plus in AAA’s column.
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