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Progressive was founded in 1937 by Joseph Lewis and Jack Green and has since become a household insurance name alongside competitors such as State Farm, Allstate, and GEICO. While the company offers your standard vehicle, life, home, and renter’s insurance, it also offers less conventional plans such as pet, wedding, and snowmobile insurance. Naturally, RV insurance is one of Progressive’s many offerings.

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The Good

  • Basic Coverage Features
  • Affordable Rates
  • Free Options
  • Name Your Price Tool
  • Additional Coverage Options

Basic Coverage Features

Progressive offers drivers RV insurance essentials similar to auto insurance:

  • Bodily Injury and Property Damage Liability if you’re legally responsible for injuring another driver or passenger or if you are liable in an accident damaging another person’s vehicle or property.
  • Medical Payments coverage to compensate drivers for medical expenses whether or not you’re liable in an accident.
  • Uninsured and Underinsured Motorist to protect drivers against expenses incurred by drivers who are uninsured or underinsured for liability coverages. Progressive can cover vehicle damage, injury, and lost wages.
  • Comprehensive insurance for RV repair when your vehicle is damaged by a natural disaster, fire, animal collision, or other events.
  • Collision insurance to pay for RV damage in collisions not caused by the driver.

Affordable Rates

Progressive advertises RV insurance premiums as low as $125, with several discounts such as a diminishing deductible or a discount for requesting a quote in advance. Progressive lists these discounts openly — no quote is required to learn about a Paperless, Prompt Payment, or Pay in Full, or Multi-policy discount.

Name Your Price Tool

Progressive’s Name Your Price tool allows shoppers to capitalize on the insurance company’s advertised affordability. With the Name Your Price tool, consumers answer a questionnaire and see what coverage is available under their ideal price tag. The tool is limited by minimum coverage requirements from state to state, but coverage will decrease with the decrease in price. Still, this tool is useful for users shopping for the best deal.

Comprehensive Coverage Options

Progressive offers both part-time and full-time RV insurance, and it covers all types of RV, including Class A, B, and C motorhomes, fishing boats, campers, and trailers. The company also details its optional coverage options, such as 24/7 roadside assistance. This detailed list ensures consumers aren’t left wondering whether their circumstances will be covered by a Progressive policy.

The Bad

  • Limited Deductible Information
  • Customer Service Complaints

Limited Deductible Information

Deductibles can vary by state, driver, vehicle, and accident history, so customers will need to provide their information before they can receive a quote with payment information tailored to their circumstances. However, this is common for insurance insurers. Some customers complain that their rate rose when they moved to another state due to their new location’s variable weather.

Customer Service Complaints

Customers commonly complain of poor customer service with Progressive. Phone support has automated response trees that frustrate many consumers when trying to get ahold of an employee.

The Bottom Line

If RV owners are looking for an established brand that offers plans tailored to their specific needs, Progressive is a good insurance agency to look into. Progressive provides many of the recreational vehicle-specific options large insurance providers lack. However, RV owners might need to contact a Progressive insurance agent to see if they’re getting the best rate for their history, location, and specific vehicle.

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