(800) 253-1482Missouri RV Insurance
Summary: Exploring Missouri in an RV is an unforgettable adventure, but staying protected on the road is just as important. Missouri RV insurance policies cover liability, accidents, and unexpected damages, ensuring peace of mind wherever you travel. No matter where you're cruising in the Show Me State, the right policy keeps your journey worry-free. Get a free quote today and find affordable coverage tailored to your needs. Estimated Read Time: 5 mins
The Show Me State has a lot to see and each visit is enough to make a believer out of anyone. When enjoying the beauty of the Ozarks or Elephant Rocks State Park, there’s no better way to see it all than through an RV. No matter where your destination is, staying protected is important. Learn more about Missouri RV insurance policies, get a free quote, and find cheap coverage that fits your needs.
How Much Is RV Insurance in Missouri?
The average cost of RV insurance in Missouri is around $1,100 for a motorhome and $600 for a travel trailer. However, your actual rate depends on several factors:
- The type and model of your RV matter—newer, larger, and more expensive motorhomes typically cost more to insure than smaller, used trailers.
- Your claims history and driving record also play a role, as do your ZIP code and the level of coverage you choose.
- Furthermore, the more coverage you need, the higher your premium will be.
Compare Missouri RV Insurance Quotes
Everyone has different risks and needs but for the best coverage at the lowest premium, it’s important to shop around.
Different carriers provide different rates, bundles, and discounts and if you don’t compare your options, you could end up underinsured or overpaying for coverage.
Get an RV insurance quote comparing top-rated companies near you to save more while protecting against your risks.
Call our agents by using the number above to learn more about how we save RVers in the Volunteer State 40% on average.
Auto and RV Insurance Bundles
Bundling your RV insurance with other policies saves money while expanding coverage.
Common bundles include auto insurance since most RV owners also have a car, and home insurance for homeowners looking to lower costs.
Umbrella insurance adds financial protection in lawsuits, while motorcycle and boat insurance can also be bundled for extra savings.
Talking to an insurance agent helps maximize discounts and ensure all your adventures are covered affordably.
RV Classes
Motorhomes come in three main types—Class A, B, and C—each with its own perks:
- Class A is the biggest and most luxurious, perfect for long trips but pricey to insure.
- Class B, often camper vans, are compact, budget-friendly, and easy to drive but offer less space.
- Class C strikes a balance with more room than a B and better fuel efficiency than an A.
Whatever you drive, Freedom Insurance Group can help you find the right coverage to keep your RV protected on the road.
What Does RV Insurance Cover in Missouri?
Insurance for an RV is required to help you cover liability involving property damage or bodily injury you’re responsible for.
Additionally, your coverage protects against bodily injury when other drivers don’t follow the law by staying insured.
However, it’s much more. Having insurance on an RV can protect you and your finances from unexpected breakdowns, damage from weather, and much more.
RV Insurance Requirements in MO
If you're driving a motorhome in Missouri, you're required by law to have RV liability coverage, which helps pay for damages or injuries you cause on the road.
If you need more protection than the state’s minimum, you can increase your liability limits to better safeguard your assets. Here’s a breakdown of the required coverage and limits in Missouri:
- Bodily Injury Liability – Covers injuries you cause to others while driving your motorhome: $25,000 per person and $50,000 per accident
- Property Damage Liability – Covers damage you cause to another vehicle or property: $20,000 per accident
- Uninsured Motorist Bodily Injury – Covers injuries to you and your passengers if you’re hit by an uninsured driver: $25,000 per person and $50,000 per accident
Furthermore, if you own a camper or travel trailer, you must carry auto liability coverage for the vehicle that’s towing it.
Keep in mind that liability coverage doesn’t cover damage to the trailer itself, so you’ll need additional coverage for that.
Additional Coverages
When you’re financing or leasing an RV, comprehensive and collision coverage is typically required. But even if your RV is paid off, these coverages offer vital protection for one of your most valuable assets.
If your motorhome or trailer is damaged, stolen, or totaled, these policies can cover up to its actual cash value.
Comprehensive coverage protects against incidents beyond your control, such as theft, vandalism, fire, hitting an animal, or severe weather. Collision coverage steps in if you hit a vehicle, tree, fence, or any other object.
You can also choose how you want these coverages to be settled in the event of a total loss, with options like:
- Stated Value – market or actual cash value
- Agreed Value – a set insured amount, regardless of current market value
- Replacement Cost – replacing your RV with one similar to your insured vehicle
For added peace of mind, consider vacation liability coverage when your RV becomes a temporary home.
The key to RV motorhome insurance is personalizing your protection to meet your needs, which is why personal effect coverage replaces items typically used while traveling.
Furthermore, roadside assistance is the perfect solution to help you out when you’re in a bind and you may even find coverages that help cover extra expenses if you experience a breakdown including lodging, meals, and transportation when needed.
From accident forgiveness to pet coverage and more, make your RV experience even safer and more convenient with an affordable policy with the right protection.
Finding the Best RV Insurance in Missouri
Whether you’re camping at Wallace State Park, exploring Mark Twain National Forest, or navigating St. Louis, having the right RV insurance in Missouri means getting great coverage at an affordable price.
The best deals come from discounts—bundle policies, pay in full, or maintain a clean driving record to save.
Homeowners and original RV owners get extra perks, and staying insured long-term unlocks even more discounts.
Plus, loyal customers enjoy accident forgiveness, keeping rates steady after minor or even major claims.
Bottom line? The best RV policy puts you in the position to save as much as possible while protecting what matters most.
Does RV Insurance Cover Water Damage in Missouri?
RV insurance may cover water damage—but only in certain situations. If you have comprehensive coverage, your policy could pay for repairs if water damage is caused by something unexpected, like a fallen tree puncturing your roof.
However, neglect and lack of maintenance aren’t covered. Field example, leaks from aging seals, freezing temperatures, or manufacturer defects typically aren’t included in standard policies.
Likewise, burst pipes due to poor upkeep may leave you paying out of pocket. Still, comprehensive coverage may cover flooding from storms or rising water levels.
Mold damage is rarely covered since it’s considered preventable with proper maintenance.
To ensure you’re protected, reviewing RV insurance in Missouri at least once per year is recommended.
