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LAST UPDATED: July 9th, 2020

State Farm was founded in 1922 by G.J. Mecherle. State Farm has thousands of agents and delivers millions of policies in the United States. The banking, investment, and insurance company has won many Corporate Social Responsibility Leadership Awards and offers consumers several services from loans to auto insurance — RV insurance is one of their many offerings.

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The Good

  • Basic Coverage Features
  • Established Insurance Company
  • Mobile Accessibility
  • State Farm Bank RV Loans

Basic Coverage Features

State Farm covers many of the RV insurance basics, similar to the coverage you’d see for auto insurance:

  • Bodily Injury Liability if you’re legally responsible for injuring another driver, passenger, or their vehicle.
  • Personal Injury Protection and Medical Payments coverage to compensate drivers for medical expenses whether or not you’re liable in an accident.
  • Uninsured and Underinsured Motorist insurance to protect drivers against expenses incurred by drivers who are underinsured for liability coverages or drivers who are uninsured.
  • Comprehensive insurance that covers damage from vandalism, fire, or natural disasters while an RV is in storage.

Established Insurance Company

State Farm is a trusted household company for many U.S. consumers. It is well-known for emphasizing customer service and satisfaction. Because of State Farm’s widespread coverage, consumers may already have auto, health, or life insurance from the company, meaning they can bundle RV insurance with these policies for a discounted rate through State Farm.

Mobile Accessibility

It’s important that RV users have access to their insurance information on the go. The State Farm mobile app lets drivers request roadside assistance and file claims from their phone.

State Farm Bank RV Loans

If consumers are still in the process of financing their RV, State Farm Bank offers RV loans with no application fee. You can apply for a loan on State Farm’s website.


The Bad

  • Limited Offerings
  • Slow Responses

Limited Offerings

State Farm lacks the customizability of some other RV insurance policies. It does not offer diminishing deductibles, vacation liability for parked vehicles, or combined limits. To learn more about what State Farm does offer, you’ll have to contact an agent, because the site does not list many of its options. Some items the company’s site does list are a Personal Articles Policy, roadside assistance services such as towing service and flat tire service, and basic comprehensive, collision, and liability services.

Slow Responses

Consumers complain of slow responses to claims, quotes, and requests. Policyholders say they sometimes have to follow up with State Farm to receive a response to their query. This has led to many negative reviews of the State Farm company itself, though this complaint is less common when communicating with a local agent.


The Bottom Line

State Farm is a good option for customers who already have policies with State Farm and are looking to bundle their RV insurance with their other plans. However, the company’s RV coverage appears to be more of an add-on service than several other insurance companies’ customizable policies. If you’re looking for basic coverage, you can rely on State Farm’s established brand to deliver. But consumers seeking coverage more uniquely tailored to their needs might be disappointed with State Farm’s plans.

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Janet Metairie, LA

State Farm is NOT like a good neighbor and they are NOT there for you! I would NOT recommend them to anyone. They do not try to help their customers, they are only worried about the bottom line - MONEY. I have been a customer with them for 40 years and have only made a few claims against my insurance, however, when someone ran into my daughter's vehicle and I looked to State Farm for help all I received from them was the run around. Lots of excuses and NO HELP. Their claims department is a joke. They have no empathy for anyone and all they want to do is total out a perfectly good vehicle because that would be less work for them to do than to agree to repair the vehicle. I will NOT be their customer much longer, after all what am I paying for if they can't help their own customers!

3 years ago