South Carolina RV Insurance
Get a full analysis of South Carolina RV insurance costs, coverage, and companies.
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.
Find the Best RV Insurance Options in South Carolina
South Carolina is a beautiful state with many scenic roads and camping destinations. Travelers can enjoy the Blue Ridge Mountains, low country getaways, historic plantations, and tourist havens like Myrtle Beach and Hilton Head Island.
Traveling through South Carolina in an RV is a great way to see the sights. But don't forget that you'll need RV insurance before you go.
RV insurance protects you, your vehicle, and your belongings when you’re vacationing or even living full-time in an RV. An independent insurance agent can help you get multiple quotes for RV insurance in South Carolina. A local agent can help you choose the best coverage for your needs and budget.
Best RV Insurance Companies in South Carolina
The following are some of the best RV insurance companies in South Carolina. They are highly rated for their mix of valuable coverage offerings and competitive pricing.
- Progressive: Progressive is based in Ohio but offers RV insurance across all 50 states, including South Carolina. South Carolina residents can look to Progressive for most of their personal insurance needs.
- Foremost Insurance Company: Foremost was founded in 1952 and offers a wide range of coverage, including RV insurance, in 50 states.
- Safeco: Safeco has been protecting individuals and families since 1923. The company offers RV insurance in South Carolina, as well as a comprehensive range of other personal insurance policies. Working through independent agents, Safeco makes it easy to get the best mix of coverage and pricing.
An independent insurance agent in your area can help you learn more about these and other South Carolina RV insurance companies. A local agent can help you get competitive quotes for the coverage that fits your needs.
What Is RV Insurance?
RV insurance is a personal insurance policy designed to cover the specific risks associated with driving and even living in an RV. RV insurance protects the recreational vehicle in the same way that auto insurance protects cars and other personal vehicles.
What’s more, it should cover your personal property inside the RV and provide liability protection if you injure someone or damage someone’s property while driving your RV.
Depending on the type of RV that you have, your RV insurance can be purchased as an add-on to your auto insurance policy or as a separate RV insurance policy. You'll need a separate RV insurance policy if your motorhome is classified as class A, class B, or class C, if it's financed, or if it's a rental.
RV insurance is generally divided into two categories: recreational and full-timers. If you don't live in your RV full-time, recreational insurance will cover your RV inside and out when you’re on the road or parked at a campsite. A full-time RV insurance policy is for those who use a motorhome or travel trailer as their primary residence.
A local independent insurance agent can help you understand what type of RV insurance you need.
Is RV Insurance Required in South Carolina?
RV insurance can cover many different types of vehicles, including:
- Class A, B, and C motorhomes
- Travel trailers, including conventional and fifth-wheel
- Pop-up and truck campers
If you use your RV as a motorhome and drive it on public roads under its own power, South Carolina state law requires you to carry a minimum amount of liability insurance. The required minimum amounts of liability insurance that motorists must carry in South Carolina are as follows:
- $25,000 for each injury or death per accident
- $50,000 for total injuries or deaths per accident
- $25,000 for property damage per accident
South Carolina law also requires you to carry uninsured motorists coverage equal to the minimum liability coverage (25/50/25).
If you finance the purchase of your RV, your lender will likely require you to buy comprehensive and collision coverage in addition to liability coverage before your financing will be approved.
If you live in your RV full-time, you’ll need special “full-timer” RV insurance that combines elements of auto insurance and homeowners insurance. And if you’ve got an RV like a pop-up, travel trailer, or fifth-wheel that is towed behind another vehicle, it will be covered by the policy of the vehicle that is towing it.
It's advisable to work with an independent insurance agent to determine the best coverage for your needs. You'll likely want more coverage than the state mandates.
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What Does RV Insurance Cover in South Carolina?
If you’ve got an RV like a pop-up, travel trailer, or fifth-wheel that is towed behind another vehicle, it will be covered by the policy of the vehicle that is towing it. If you live in your RV full-time, you’ll need special “full-timer” RV insurance that combines elements of auto insurance and homeowners insurance.
A basic RV insurance policy in South Carolina will likely include the following types of coverage:
- Liability coverage (required by law) protects you if you cause injury or damage to someone else while operating your RV.
- Medical payments coverage pays for medical bills for you and your passengers if you are injured in an accident, regardless of fault.
- Uninsured motorist coverage protects you if you’re hit by an uninsured or underinsured driver while operating your RV.
- Comprehensive and collision coverage work just like your auto insurance policy's comprehensive and collision coverage. They cover physical damage to your RV; they are optional, but your lender will require them if you finance your RV.
A variety of other RV insurance coverage options are available. Depending on the type of RV you have and how you use it, these may include:
- International travel coverage will cover you if you plan to drive your RV into Mexico or Canada.
- Loss replacement coverage will help you replace your RV if it suffers a total loss.
- Personal property insurance provides coverage for personal items inside your RV, such as clothing, kitchen items, tools, equipment, electronics, and so on.
- Attached accessories coverage reimburses you for damage to items like awnings or TV antennas that are not covered under the basic policy.
- Emergency expenses coverage reimburses you for hotel or transportation costs after you’ve had an accident and cannot use your RV.
- Campsite and vacation coverage protects you if you use your RV or motorhome as a temporary residence during a vacation. It covers your liability exposures in these situations.
Part-time RV users who only use their vehicle during certain months can suspend their collision and liability coverage when the RV is not in use. This can help them save money on their premiums.
A local independent insurance agent can help you decide which types of South Carolina RV insurance coverage are right for you.
What Does RV Insurance Cost in South Carolina?
The cost of RV insurance in South Carolina varies depending on the type of vehicle, how it's driven, and the driver's personal characteristics. Part-time RV insurance will likely cost less than full-time RV insurance because full-timers spend far more time driving the RV, traveling farther, and keeping more possessions inside the vehicle.
Here are some of the factors that will influence the cost of RV insurance in South Carolina:
- The driving record of the RV owner, including RV driving experience
- How many miles the RV will be driven, where it will be driven
- The type and class of the RV
- The size and length of the RV
- The age and condition of the RV
- The value of the RV
- Where the RV will be stored
- Whether the RV is financed
Types of coverage and deductibles selected also play a significant role in your RV insurance costs in South Carolina. An independent insurance agent can help you find affordable coverage that meets your needs.
How to Find the Best RV Insurance Quotes in South Carolina
Instead of getting an online quote for South Carolina RV insurance, find an independent insurance agent now and get one-on-one consultation and affordable options for the best coverage for your unique needs. Your agent will work with you free of charge, offering you a variety of options so you can make the best choice.
What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.
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Our independent agents shop around to find you the best coverage.
South Carolina RV Insurance FAQs
Any RV that can operate independently must have its own RV insurance in South Carolina. This applies to Class A, Class B, and Class C motorhomes. These vehicles must have coverage that meets or exceeds the same liability coverage as a South Carolina auto insurance policy.
RV insurance in South Carolina provides the following types of coverage at a minimum:
- Bodily injury liability coverage
- Property damage liability coverage
In addition, most RV insurance policies will include optional coverage such as medical payments coverage, comprehensive and collision coverage, and uninsured motorist coverage, as well as a variety of other types of coverage depending on the type of RV and how it will be used.
South Carolina state law mandates that RV owners carry insurance coverage up to the following minimum limits:
- Bodily injury liability coverage: $25,000 per person, $50,000 per accident
- Property damage liability coverage: $25,0000 per person
- Uninsured motorist coverage: equal to the minimum liability coverage
The cost of RV insurance in South Carolina varies depending on the type of vehicle, how it's driven, and the driver's personal characteristics.
The following factors will influence the cost of RV insurance in South Carolina:
- The driving record of the RV owner, including RV driving experience
- How many miles the RV will be driven, where it will be driven
- The type and class of the RV
- The size and length of the RV
- The age and condition of the RV
- The value of the RV
- Where the RV will be stored
- Whether the RV is financed
- Types of coverage and deductibles selected
Progressive, Foremost Insurance Company, and Safeco are some of the best RV insurance companies in South Carolina. They are highly rated for offering broad coverage, top-notch customer service, and a variety of affordable options.
There is no such thing as a one-size-fits-all RV insurance policy. Comparison shopping is the best way to make sure you're getting the best coverage for your needs.
A local independent insurance agent can help you find a competitively priced South Carolina RV insurance policy that meets your state’s coverage requirements. Contact an agent in your area to begin comparing customized quotes.
https://www.doi.sc.gov/588/Automobile-Insurance