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LAST UPDATED: October 14th, 2022

State Farm has offered insurance for over 90 years and has nearly 50,000 agents nationwide. Farmers has offered insurance policies since 1928. Farmers focuses on insurance policies, including auto insurance, life insurance, home insurance, but it also offers financial tools for saving and investment. Farmers’ recreational vehicle insurance covers off-land and off-road vehicles as well as motorhomes.

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The Good

  • Basic Coverage Features
  • Fifth Wheel Trailer and Travel Trailer Benefits
  • Marine and Off-Road Vehicle Policies

Basic Coverage Features

Farmers can insure your motorhome with these essential coverage policies:

  • Collision insurance
  • Property damage liability
  • Personal injury liability

Fifth Wheel and Travel Trailer Benefits

While Farmers does offer conventional motorhome coverage, it also personalizes coverage policies for travel and fifth wheel trailers. Farmers insures owners who live in their trailer full- or part-time, and Farmers can insure the vehicle you use to tow the trailer.

Marine and Off-Road Vehicle Policies

Farmers also has policies for marine and off-road recreational vehicles under its RV listings. Customers who own different types of recreational vehicles will be able to insure multiple with Farmers. This offering is a creative way Farmers is helping customers protect their assets.


The Bad

  • No Online RV Quote Filing
  • Inconsistent Discount Offerings
  • No Guarantee of Offer

No Online RV Quote Filing

While Farmers allows customers to request quotes online for several other insurance offerings, RV owners will have to contact their local agent to get more information about insuring their vehicles. Many other insurance companies give consumers the option to see a breakdown of their RV quote online and customize their discounts and coverage limits. This could be inconvenient for customers who want to compare quotes from various companies and see their individual insurance policy offerings.

Inconsistent Discount Offerings

Farmers’ policy discounts may not apply to every location and vehicle. No discounts are listed for RVs on Farmers’ site, so customers will have to contact agents or customer service to learn if any discounts apply to them.

No Guarantee of Offer

Farmers Life Insurance does not offer any guaranteed acceptance options.


The Bottom Line

Farmers Insurance is wise to branch out to unconventional recreation vehicles and to focus customizable coverage on fifth wheel and travel trailers. If you own or frequently use these types of vehicles, Farmers may be a good choice for you. However, if you want to compare and file for multiple quotes online before accepting an insurance policy, Farmers may not have the features you are seeking.

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Carlos M. Hercules, CA

I've been with farmers for the past 7 years. no problems with them. verry responsive my agent. very little discounts. I wish they would give more discount of rewards for good driving record. might consider changing in the future.

1 year ago


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Ron Durfey Pleasant Grove, UT

I use Farmers for all of my insurance needs. It just made sense to have my RV insured by them as well. I'm happy with the price and the service I get through them on my insurance needs including my RV. The price is competitive and it helps that I can bundle it all together.

4 years ago


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Kristiane R Durfey Pleasant Grove, UT

We have had our trailer insured by Farmers since we bought it. Luckily, we haven't ever had to make a claim but we're happy with the coverage they offered. Price is comparable to other companies.

4 years ago


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abby becht Pleasant Grove, UT

Just like any other insurance company. Never had to make a claim but trusted them, left because they kept raising prices.

4 years ago


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Cynthia DeGrey ,

Farmers provided my RV insurance. We filed a claim it’s them and they provided great coverage for me

2 years ago