To identify the best RV insurance companies, we evaluated each company based on complaints against the company, coverage options offered, discounts available and collision repair grades from auto body professionals.
Complaints (50% of score): We used complaint data from the National Association of Insurance Commissioners. Each state’s department of insurance is in charge of logging and monitoring complaints against companies operating in their states. RV insurance falls under the auto insurance complaints category, and here complaints tend to center around claims, including unsatisfactory settlements, delays and denials.
The industry complaint average is 1.00, so companies with a ratio below 1.00 have lower levels of complaints.
RV insurance coverage options (30% of score): Any RV insurance company can provide the basics of liability insurance, collision and comprehensive coverage and other standard offerings. But it’s vital to have access to additional coverage types that can provide greater financial protection for your RV and your travels.
RV insurance discounts (15% of score): Offering a wide variety of discounts to help keep costs down on RV insurance is important, so we reviewed what discounts companies have available to RV owners.
Collision repair (5% of score): We incorporated insurance company grades from collision repair professionals. We used data provided by CRASH Network, a weekly newsletter covering the collision repair and auto insurance market segments. CRASH Network’s Insurer Report Card used grades from more than 1,100 collision repair professionals to gauge auto insurers on the quality of their collision claims service.
Read more: How Forbes Advisor rates car insurance companies
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