Arizona RV Insurance

Yes, RV insurance is required in Arizona for all motorized RVs, including Class A, B, and C motorhomes. These vehicles are classified as self-propelled and must meet the same minimum liability requirements as standard vehicles.

For towable RVs—such as travel trailers, fifth wheels, or pop-up campers—insurance is not legally required by the state. However, it’s strongly recommended to purchase additional coverage, especially to protect against physical damage, theft, or environmental hazards when the RV is parked or stored. Liability coverage for towables is typically provided through the policy of the towing vehicle while on the road.

Your RV represents not only a financial investment but also a lifestyle. The right insurance policy protects you against costly accidents, property damage, and natural hazards. Arizona’s scenic but sometimes harsh environment means that even when parked, your RV can be vulnerable to wind, fire, or theft.

Additionally, if you’re a full-time RVer or frequently host guests in your motorhome, you’ll want coverage options like:

• Full-time liability coverage (similar to a homeowner’s policy)
• Personal effects coverage for belongings inside the RV
• Emergency expense coverage if your RV becomes uninhabitable