Idaho RV Insurance
Idaho is a hidden gem for RV travel, offering alpine lakes, national forests, and wide-open scenic byways. From Coeur d’Alene in the north to the canyons of the Snake River in the south, the Gem State offers a rewarding mix of solitude and adventure. RV owners enjoy year-round exploration here—camping beside rivers, hiking in the Sawtooths, or road-tripping to Yellowstone’s doorstep.
However, RVing in Idaho also means preparing for mountain roads, unpredictable weather, and rural travel conditions. Having the right Idaho RV insurance allows you to explore the state with peace of mind. Whether you’re a weekend adventurer or a full-time RVer, the right policy helps protect your vehicle, belongings, and liability everywhere the road takes you.
Idaho RV Insurance Frequently Asked Questions
Yes, Idaho requires liability insurance for all motorized RVs, including Class A, B, and C motorhomes. This coverage is mandatory to operate the RV on public roads. If your RV is towable—such as a travel trailer or fifth wheel—it doesn’t need its own liability coverage, but it is typically covered while in transit by your tow vehicle’s policy.
However, physical damage, theft, or weather-related issues that occur while the RV is parked or stored aren’t covered unless you purchase a separate RV insurance policy.
Idaho’s beautiful but rugged terrain comes with some risks. High elevations and backcountry roads can cause breakdowns or accidents. Harsh winters and summer wildfires are real threats to stored or active RVs. A comprehensive RV policy provides critical financial protection—not just while driving, but also while parked, camping, or in storage.
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $15,000 for property damage per accident
Note: These are the state’s legal minimums, but many Idaho RV owners opt for higher limits and additional coverage to protect against the risks of rural travel, wildfires, and unpredictable weather.
RV insurance rates in Idaho tend to be lower than the national average, thanks to low population density and relatively low accident rates. However, your premium will still depend on a range of factors: the type of RV, how often you use it, where it’s stored, your driving history, and the coverage options you choose.
Full-time RVers or those who use their RV year-round may see higher premiums, while seasonal users with secure storage can often access discounts. Bundling your RV policy with other insurance products is another great way to save.
Testimonials
Marty Karriker is a class act! His communication and business ethics are top notch and it’s always a pleasure to work with him and his team.
- Andrew Steele (RVing with Andrew Steele)
Common RV Risks in Idaho
While Idaho offers some of the most peaceful RV destinations in the U.S., it also presents unique risks that can affect your rig. Here are some common issues to consider:
- Wildfires: Central and southern Idaho are prone to wildfires during summer, which can damage or destroy parked RVs.
- Mountain driving hazards: Steep grades, winding roads, and sudden elevation changes increase the risk of accidents or mechanical issues.
- Rodent infestations: Mice and squirrels are notorious for causing wiring and insulation damage to stored RVs.
- Winter snow and ice: Freezing conditions can lead to plumbing damage, roof strain, and icy driving hazards.
- Remote breakdowns: Towing and repair services may be hard to reach in some of Idaho’s more isolated regions.
Recommended Coverage for RV Owners in Idaho
Because of the state’s remote landscapes, changing weather, and rugged roadways, Idaho RV owners should consider more than just the state minimums. The following coverage types are commonly recommended:
- Comprehensive Coverage: Protects against non-collision damage like fire, weather, vandalism, or wildlife incidents.
- Collision Coverage: Pays for repairs after an accident, regardless of who’s at fault.
- Personal Effects Coverage: Covers valuable gear, electronics, and outdoor equipment stored inside your RV.
- Vacation Liability: Helps cover costs if someone is injured near your RV while it’s used as a temporary residence.
- Full-Time RV Insurance: Recommended for those who live in their RV year-round, offering enhanced liability and contents protection.
- Roadside Assistance: Critical in Idaho’s rural and mountainous areas, providing towing, lockout help, tire changes, and more.
- Emergency Expense Coverage: Helps pay for temporary lodging and meals if your RV becomes unusable during a trip.
Unique Aspects of RV Ownership in Idaho
Idaho RVers tend to embrace outdoor recreation—bringing along fishing gear, kayaks, ATVs, and other high-value equipment. That makes personal effects coverage especially valuable. Storage needs also vary widely; many residents store RVs in barns or sheds during winter, where risks of snow load, rodents, or water damage increase.
Because Idaho is also a launchpad for long-haul trips to national parks and neighboring states, roadside protection and broad coverage are often a priority. With a growing number of full-time RVers in the state, customizable insurance options have never been more important.
Request a Quote
Wherever the road takes you in the Gem State—from backcountry trails to scenic highways—our Idaho RV insurance plans offer protection tailored to your lifestyle. Request a quote today and travel with peace of mind all year long.
