RV Insurance in Washington DC

RV ownership is at an all-time high, as more than 11.2 million households currently own a recreational vehicle. RV owners in Washington DC can explore local RV parks and campgrounds located across the state or head out of town to enjoy nearby and cross-country experiences. But before you purchase an RV it's important to consider RV insurance costs. 

You can save a significant amount of money by comparing RV insurance quotes in Washington DC with a local independent insurance agent. Expert agents in the insurance industry will work with you to find affordable coverage from a top-rated RV insurance company in the state.

Is RV Insurance Required in Washington DC?

Washington DC treats motor homes and recreational vehicles the same way as a car. This means your RV must be registered with the District of Columbia Department of Motor Vehicles. 

In order to register a vehicle, you need proof of insurance. The state requires a minimum amount of liability coverage and uninsured motorist coverage. 

Liability coverage requirements

• $25,000 per person, per accident for bodily injury.
• $50,000 per accident for bodily injury.
• $10,000 in property damage.

Uninsured motorist coverage requirements

• $5,000 in property damage, minus a $200 deductible.
• $25,000 per person, per accident for bodily injury.
• $50,000 per accident for bodily injury.

There are several types of recreational vehicles and not all may require insurance coverage. Your independent insurance agent can help you navigate insurance laws in Washington DC and secure any RV insurance coverage you need.

How Much Does RV Insurance Cost in Washington DC? 

Several factors impact the cost of RV insurance. Compared to other states, RV insurance in Washington DC is expensive for some owners. On average, premiums are $2,610 a year, but this number can fluctuate greatly based on a number of factors.  

Insurance carriers will consider the following factors when pulling together an RV insurance quote:

• Whether your RV is a Class A, B, or C 
• Your experience driving an RV
• If you're a full-time or part-time RV user
• The value of your RV
• Where you live and plan on traveling
• The amount of coverage you purchase
• The number of policies you purchase
• Features and personal assets inside your RV

Full-timers will pay more for RV insurance than individuals who use their vehicles less frequently. The more often you're on the road with your RV, the higher the likelihood of an accident occurring. 

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

Basic RV insurance coverage will start with the state-required liability and uninsured motorist coverage.

• Liability insurance: Covers the other driver and the other person's property if you're in an at-fault accident. Liability coverage will not pay for any damage to your RV or your property if you cause the accident.
• Uninsured/underinsured motorist insurance: This covers you, your RV and any passengers if you're in an accident with an uninsured or underinsured driver. 

In addition to liability and uninsured motorist coverage, you can complete your RV insurance package with the following optional coverages.

• Collision insurance: This covers the cost to repair or replace your RV if it is damaged or totaled in a collision, regardless of fault. 
• Comprehensive insurance: This covers the cost to repair or replace your RV if it is damaged or totaled by a non-collision event such as a hailstorm or theft.
• Contents coverage: Covers your personal property located inside your RV if it's damaged from events like fires, storms, theft, and other named perils. 
• Full-timer coverage: For individuals who will be living in their motor home or RV, this policy acts like homeowners insurance.
• Towing and roadside assistance: If your RV breaks down on the road, it will require a special tow service. This coverage helps pay for these costs and other roadside repairs and incidents.
• Vacation liability coverage: Covers any property damage or third-party injury that may occur in your RV while visiting a campsite.

RV owners should take into consideration that their larger, heavier vehicles have the potential to do far more damage in an accident than a traditional passenger car. For this reason, owners should purchase coverage in far higher amounts than is required.

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What Is RV Gap Insurance in Washington DC?

If you use a loan to finance a brand-new RV, there will be a time period where the cost of your loan exceeds the value of the RV. During this time, should you get in an accident that totals your RV, you'd have a gap in coverage. Gap insurance helps bridge this gap and pay for the difference.

Gap insurance only benefits brand-new RV owners who have taken out a loan for the full price of the RV in order to purchase it. Once your loan and the cost of your RV are similar, you can drop gap insurance coverage, since it will no longer be needed.

Washington DC Health Insurance for RVers

If you're a full-timer, then you need to consider how you'll navigate health issues while on the road. It's important to have health insurance that will travel with you and allow you to utilize your benefits no matter where you are. Even if you're not a full-timer, knowing how your coverage works when you're not in your hometown is important.

Whether you need to shop for new health insurance or are looking for clarification on an existing policy, an independent insurance agent can answer your questions and shop policies. Whatever you do, it's important to have some health insurance coverage in the event of an injury or other incident.

What are the Best Insurance Companies in Washington DC?

You can save a significant amount of money by shopping for RV insurance quotes in Washington DC before making a purchase. Many carriers will offer policies that will differ in price and coverages. 

Shopping quotes can be overwhelming, and as a consumer, it's difficult to know who the top-rated carriers are. Fortunately, independent insurance agents have built relationships with the best RV insurance companies in Washington DC and will shop and compare quotes for you.

Agents will know which carriers are the best to work with while also offering reliable coverage at an affordable price. 

Why Shop RV Insurance with a Washington DC Independent Insurance Agent?

Every state has different laws and requirements for RV owners, and it's important to know you're in compliance before hitting the road. When it comes to finding the best RV insurance quotes in Washington DC, a local independent insurance agent is the place to start.

Agents will chat with you, free of charge, to learn about your lifestyle and your vehicle. They'll answer your questions about coverage options and guide you in selecting the best policy for your needs. Your agent will also be available should you need to file a claim. They work with your best interest in mind and are there when you need them.