By state · 2026 minimums
RV Insurance Requirements by State
Whether you must carry RV insurance — and how much — comes down to what kind of RV you have and which state you register it in. Below we explain the real framework, then list the 2026 minimum liability limits for all 51 states so you can see exactly where your rig stands.
How RV insurance actually works (the part that surprises people)
Motorhomes (Class A, B, C)
A Class A, B, or C motorhome is titled and registered as a motor vehicle. That means it is subject to the same liability insurance minimums your state sets for any car or truck -- there is no separate "RV" liability law. The minimums below are each state's auto limits, and they are the floor: most RV owners buy well above them because a motorhome causes far more damage than a sedan in a collision.
Travel trailers, fifth wheels, pop-ups
Travel trailers, fifth wheels and pop-up campers are not motor vehicles, so no state requires them to carry their own liability insurance. While you are towing, the liability coverage on your truck or SUV extends to the trailer. Off the ball -- parked at a campsite -- a trailer needs its own comprehensive and collision coverage (lenders require it, and many campgrounds do too), but that is physical-damage, not liability. The state minimums below do not apply to a towable on its own.
Full-timers
Full-time RVers -- those who live in the rig year-round -- generally need a specialty "full-timer's" policy rather than a standard auto or travel policy. It blends motorhome liability with homeowners-style coverages (personal liability at the campsite, contents, storage sheds). A standard auto minimum will not cover a full-timer's liability when the rig is parked and being lived in.
Most owners report motorhome insurance running roughly $1,000-$2,500/year for a Class A or C and $500-$1,500/year for a Class B, before full-timer endorsements. Towable policies are usually $200-$800/year. These are typical ranges, not quotes -- your rate depends on the rig, garaging state, usage and driving record.
2026 minimum liability limits by state
These are each state's statutory auto minimums — the floor a motorhome must meet. Open any state for RV-specific guidance. Limits are set by statute and change; verify with your state DMV before you buy.
| State | Minimum liability (BI per / acc / PD) | Notes | |
|---|---|---|---|
| Alabama | $25/50/$25 (BI per person / per accident / property damage) | UM/UIM not required. | Details → |
| Alaska | $50/100/$25 (BI per person / per accident / property damage) | UM/UIM not required. | Details → |
| Arizona | $25/50/$15 (BI per person / per accident / property damage) | UM/UIM recommended (must be rejected in writing). | Details → |
| Arkansas | $25/50/$25 (BI per person / per accident / property damage) | UM/UIM recommended. | Details → |
| California | $30/60/$15 (BI per person / per accident / property damage) | UM/UIM recommended (must be rejected in writing). | Details → |
| Colorado | $25/50/$15 (BI per person / per accident / property damage) | UM/UIM and MedPay recommended (reject in writing). | Details → |
| Connecticut | $25/50/$25 (BI per person / per accident / property damage) | UM/UIM required (25/50). | Details → |
| Delaware | $25/50/$10 (BI per person / per accident / property damage) | Personal Injury Protection (PIP) required. | Details → |
| Florida | $10,000 PIP + $10,000 property damage (no BI required) | No bodily injury liability required; $10,000 PIP and $10,000 property damage liability required. Most drivers still buy BI voluntarily. | Details → |
| Georgia | $25/50/$25 (BI per person / per accident / property damage) | UM/UIM not required. | Details → |
| Hawaii | $20/40/$10 (BI per person / per accident / property damage) | Personal Injury Protection (PIP) required. | Details → |
| Idaho | $20/50/$15 (BI per person / per accident / property damage) | UM/UIM recommended (reject in writing). | Details → |
| Illinois | $25/50/$20 (BI per person / per accident / property damage) | UM/UIM required (25/50). | Details → |
| Indiana | $25/50/$25 (BI per person / per accident / property damage) | UM/UIM recommended (reject in writing). | Details → |
| Iowa | $20/40/$15 (BI per person / per accident / property damage) | UM/UIM recommended (reject in writing). | Details → |
| Kansas | $25/50/$25 (BI per person / per accident / property damage) | PIP and UM/UIM required. | Details → |
| Kentucky | $25/50/$25 (BI per person / per accident / property damage) | PIP required (choice no-fault state). | Details → |
| Louisiana | $15/30/$25 (BI per person / per accident / property damage) | UM/UIM not required. | Details → |
| Maine | $50/100/$25 (BI per person / per accident / property damage) | MedPay and UM/UIM required. | Details → |
| Maryland | $30/60/$15 (BI per person / per accident / property damage) | PIP and UM/UIM required. | Details → |
| Massachusetts | $20/40/$5 (BI per person / per accident / property damage) | Personal Injury Protection (PIP) required. | Details → |
| Michigan | $50/100/$10 (BI per person / per accident / property damage) | Personal Injury Protection (PIP) required. | Details → |
| Minnesota | $30/60/$10 (BI per person / per accident / property damage) | PIP and UM/UIM required. | Details → |
| Mississippi | $25/50/$25 (BI per person / per accident / property damage) | UM/UIM not required. | Details → |
| Missouri | $25/50/$25 (BI per person / per accident / property damage) | UM/UIM required (25/50). | Details → |
| Montana | $25/50/$20 (BI per person / per accident / property damage) | UM/UIM not required. | Details → |
| Nebraska | $25/50/$25 (BI per person / per accident / property damage) | UM/UIM required (25/50). | Details → |
| Nevada | $25/50/$20 (BI per person / per accident / property damage) | UM/UIM not required. | Details → |
| New Hampshire | Not mandated | Auto liability insurance is not mandated, but proof of financial responsibility is; if you buy a policy the minimum is 25/50/25 and UM/UIM is required. | Details → |
| New Jersey | $35/70/$25 (BI per person / per accident / property damage) | Minimums raised to 35/70/25 on Jan 1, 2026; PIP required. | Details → |
| New Mexico | $25/50/$10 (BI per person / per accident / property damage) | UM/UIM not required. | Details → |
| New York | $25/50/$10 (BI per person / per accident / property damage) | PIP and UM/UIM required. | Details → |
| North Carolina | $50/100/$50 (BI per person / per accident / property damage) | UM and UIM required (50/100). | Details → |
| North Dakota | $25/50/$25 (BI per person / per accident / property damage) | PIP and UM/UIM required. | Details → |
| Ohio | $25/50/$25 (BI per person / per accident / property damage) | UM/UIM not required. | Details → |
| Oklahoma | $25/50/$25 (BI per person / per accident / property damage) | UM/UIM not required. | Details → |
| Oregon | $25/50/$20 (BI per person / per accident / property damage) | PIP and UM/UIM required. | Details → |
| Pennsylvania | $15/30/$5 (BI per person / per accident / property damage) | First-Party Benefits (PIP) required. | Details → |
| Rhode Island | $25/50/$25 (BI per person / per accident / property damage) | UM not required when buying minimum liability (required at higher limits). | Details → |
| South Carolina | $25/50/$25 (BI per person / per accident / property damage) | UM/UIM required (25/50); uninsured motorist property damage required. | Details → |
| South Dakota | $25/50/$25 (BI per person / per accident / property damage) | UM/UIM required (25/50). | Details → |
| Tennessee | $25/50/$25 (BI per person / per accident / property damage) | UM/UIM not required. | Details → |
| Texas | $30/60/$25 (BI per person / per accident / property damage) | UM/UIM not required (PIP optional). | Details → |
| Utah | $30/65/$25 (BI per person / per accident / property damage) | PIP required. | Details → |
| Vermont | $25/50/$10 (BI per person / per accident / property damage) | UM/UIM required (50/100). | Details → |
| Virginia | $25/50/$20 (BI per person / per accident / property damage) | Virginia lets drivers pay a $500 uninsured-motorist fee instead of buying liability, or carry 25/50/20 minimum liability. | Details → |
| Washington | $25/50/$10 (BI per person / per accident / property damage) | UM/UIM not required. | Details → |
| Washington D.C. | $25/50/$10 (BI per person / per accident / property damage) | UM and UMPD required. | Details → |
| West Virginia | $25/50/$25 (BI per person / per accident / property damage) | UM/UIM required (25/50). | Details → |
| Wisconsin | $25/50/$10 (BI per person / per accident / property damage) | UM, UIM and MedPay required. | Details → |
| Wyoming | $25/50/$20 (BI per person / per accident / property damage) | UM/UIM not required. | Details → |
Keep planning
- RV types compared — Class A vs B vs C and which fits your trip.
- RV models & cost of ownership — build a TCO sheet for 100+ real rigs.
- RV rentals — when renting beats owning, and the insurance questions to ask the rental company.
- RV insurance quiz — a quick check of what coverage your setup needs.
Minimum auto-liability limits were cross-checked against carinsurance.com, insure.com and coverwise.io on 2026-09-13. A motorhome is titled and registered as a motor vehicle, so it is subject to the same state minimums as any car or truck; towable RVs are not motor vehicles and carry no separate state liability requirement. Limits change by statute — confirm the current figure with your state DMV or department of insurance before relying on it. This page is informational, not insurance advice; consult a licensed agent for a quote.
Data sources & methodology
- 2026 rental rates Per-class nightly rates, mileage, and cleaning/insurance fees as current market estimates.
- Fuel & campgrounds MPG ranges by class and $35/night campground average used for budget estimates.
- Internal editorial Guides and calculators reviewed by the RvRove editorial team before publication.
Methodology and citations are maintained by the RvRove editorial team. Where an official schedule is not yet loaded, results are shown as model estimates and the source is stated as a reference.