RV Insurance in Minnesota

Experts break down recreational vehicle insurance costs, coverages, companies, and more in Minnesota.

Financial blogger and business owner, Meg Stefanac, has more than 15 years experience working in the financial services industry and enjoys helping individuals make solid financial decisions. Meg has extensive experience writing about insurance and finances and is a key contributor to TrustedChoice.com.

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

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Traveling and living in an RV is a popular pastime for many people in Minnesota. In fact, residents of the North Star State spend about $187 million a year just on RV sales and services. If you own a recreational vehicle, a solid and reliable RV insurance policy can help protect your finances.

Local independent agents can shop around to find you a good policy at a competitive price. Talk to an independent insurance agent near you to start comparing customized quotes from some of the best RV insurance companies in Minnesota.

How Much Does RV Insurance Cost in Minnesota?

If this is your first time buying RV insurance, you are probably wondering if it is expensive. The answer is: It depends.

RV insurance rates can vary. Coverage for smaller vehicles like camper vans and travel trailers is much less expensive than it is for large, luxury RVs like Class A motor homes. Your customized RV insurance quotes will be based on several factors such as:

You may be able to earn valuable RV insurance discounts by bundling your coverage with other policies like car insurance or homeowners insurance or by having a solid history as a safe driver.

Independent insurance agents can help you compare policies and rates so you can choose the best and most competitively priced coverage.

Is RV Insurance Required in Minnesota?

In Minnesota, if your RV is a non-motorized trailer, like a fifth-wheel or a travel trailer, RV insurance coverage is not required by the state. Instead, your RV can be covered through a trailer insurance endorsement on the auto insurance policy of the vehicle that will be towing it.

However, if your RV is a self-propelled vehicle, like a motor home or a camper van, you are required by law to have an RV insurance policy. In this case, your RV will be held to the same minimum coverage requirements as your car or truck.

Additionally, though it is not required by law, physical damage coverage may be required by your lender if you are still paying for your recreational vehicle.

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Our independent agents shop around to find you the best coverage.

What Kinds of Coverage Can an RV Insurance Policy Provide in Minnesota?

In Minnesota, a minimum-coverage RV insurance policy will meet the state’s minimum requirements but nothing more. In Minnesota, all RV insurance policies must include:

In addition to the coverage that is required by law, those who are still making payments on their recreational vehicles will also have to include the following types of physical damage insurance:

Once your RV is paid in full, collision and comprehensive coverage are optional.

As you can see, a minimum-coverage policy provides coverage when you are using your RV as a vehicle, but not for while you are using it as a home. That is why full-time RVers may want to include some of the many available coverage options in their policies.  These options include:

Be sure to review all the coverage options offered by your prospective insurance companies. Looking at what they cover and how much they cost will help you make an informed decision about which offer a good value to you and your traveling companions.

What Is RV Gap Insurance in Minnesota?

If you do not have gap insurance and your RV is totaled, your compensation from your insurance company may not be sufficient to pay off your RV loan, leaving you still making payments on a vehicle you no longer own.

RV gap insurance is designed to bridge the gap between what you still owe for your recreational vehicle and what it is currently worth.

This can often be important because, during the first of couple years of new RV ownership, the value of your RV is likely to depreciate faster than the principal on your loan decreases.

Once your loan catches up to your vehicle value, this insurance is no longer of any value, so most people only pay for it for a year or two.

Minnesota Health Insurance for Full-Time RVers

Health insurance is important coverage. If you are not insured by an employer-provided policy, Medicare, or another health plan, a local independent agent can assist you with reviewing your options on the private market.

Your agent can help you find a policy that will provide the coverage you need no matter where in the US your RV has taken you. Your agent can also help you find suitable health insurance coverage if you plan to take your recreational vehicle into Canada or Mexico.

How to Find the Best Full-Time RV Insurance in Minnesota

When you are searching for the best RV insurance policy, it is a good idea to compare policies and rates from a few competing insurers.

Local independent insurance agents have established relationships with some of the best insurance companies in Minnesota so they can quickly and easily do the comparison shopping on your behalf.

This means that you can be sure that any policies your agent recommends to you are from insurance companies that have a time-tested record of reliable coverage, excellent service, and competitive rates.

Why Shop RV Insurance with a Minnesota Independent Insurance Agent?

Independent agents work for you, not for a specific insurance company. These agents are available to answer your coverage-related questions, offer guidance and advice, and help you find the best and most affordable coverage.

There are many benefits to having a local insurance professional on your side. Arrange an obligation-free consultation with an independent insurance agent near you to get more information and to start comparing customized RV insurance quotes.

https://www.titlemax.com/discovery-center/planes-trains-and-automobiles/which-u-s-states-spend-the-most-on-rvs-per-capita/ https://dps.mn.gov/divisions/dvs/forms-documents/documents/autoinsuranceinfo.pdf 

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