Geico RV Insurance

Geico RV Insurance Review

Updated October 2, 2022

- By Annie Martin

When someone buys an RV, the first thing they need to think about is how to protect it. RVers get a lot more benefits when they get insurance from a company they can trust. Geico RV insurance is one of these options, and it gives RVers many different kinds of coverage.

Geico is the 2nd largest insurance company in the United States. This company has a good reputation for having low rates or low premiums. Geico also has ways for RV owners to save a lot of money and time on their auto insurance.

Geico’s RV insurance is quite affordable, and they only offer a limited policy to RVers. Compared to the other insurance companies, the coverage of Geico is not expansive. Additionally, to get insurance from this company, RV drivers don’t need a lot of driving experience.

 

General Information

Geico is a well-known RV insurance company. Several subsidiaries are available for numerous types of drivers and vehicles. Personal liability coverage is the focus of Geico’s RV plan, and this coverage is mandatory for most states. Whether you lose personal items or damage your RV, this personal liability coverage will help you deal with the loss.

Geico does not offer collision insurance or comprehensive insurance. If older RVers drop their collision or comprehensive coverage, they can save a lot of money. Geico offers insurance for RVs in almost all states, except Hawaii, Massachusetts, Michigan, and North Carolina.

Geico will also cover your mobile home, your car, and your renters. So, Geico is a great choice for both RVers and people who live in their own homes. The most important things about Geico are:

Key Features

  • Emergency customer service 24/7 via mobile app, social media, phone, email, web, or mail
  • Easy claims reporting
  • Not available in all states in the US
  • Various discounts and numerous coverage options

 

Geico RV Insurance Coverage Options

Mainly the RVers will get the following coverage from the insurance packages of Geico. Those coverages are:

1. Liability Coverages

  • Property damage liability
  • Bodily injury liability

2. Vehicle Coverages

  • Comprehensive coverage &
  • Collision coverage

3. Uninsured or Underinsured Motorist Coverages

  • Underinsured motorist coverage &
  • Uninsured motorist coverage

4. Medical Coverages

  • Bodily or personal injury coverage &
  • Medical payment coverage

5. Additional RV Insurance Coverages

  • Rental reimbursement
  • Emergency road service
  • Mechanical breakdown insurance

 

RV Coverage Options

Geico has both insurances for travel trailers and insurance for RVs. Geico’s only problem is that it doesn’t cover RVs with more coverage in all states. Hawaii, Massachusetts, North Carolina, and Michigan are not able to get Geico insurance. Geico offers RV insurance and coverages like the ones below:

  • Personal effects replacement cost
  • Emergency expense coverage
  • Total loss replacement
  • Special windshield deductible
  • Vacation liability
  • RV medical payment coverage

Types of RV Covered

Geico provides the insurance facility for the following types of RVs:

  • Travel Trailer
  • Class A, B, and C motorhome
  • Truck campers
  • Pop-up and toy-haulers
  • Fifth-wheel

 

Geico RV Insurance Discounts

Geico’s RV insurance premium rates and quotes are based on a number of factors. When figuring out your RV insurance premium, the company looks at your age, driving record, location, gender, and other things. Customers who are eligible for discounts on their RV insurance get discounts on the following:

  • Airbag
  • Good driver
  • Anti-theft system
  • New Vehicle
  • Anti-lock brakes
  • Daytime running lights
  • Good student
  • Seatbelt use
  • Driver’s education course
  • Federal employee
  • Defensive driving
  • Emergency deployment
  • Military
  • Employee and membership
  • Multipolicy and multivehicle

 

Is Geico Good RV Insurance?

One of the reputed, largest, and most well-known RV insurance providers is Geico. This company has customer service and roadside help available 24 hours a day, 7 days a week.

Providing the fastest and greatest online service is the main focus of this company. Moreover, it makes the use of its service convenient to the users through the mobile app. However, a Geico insurance policy is not the best option for those who prefer to manage their RV or car policy in person.

 

Average Pricing of Geico

The pricing of Geico car insurance depends on numerous factors, including the type of RV, the home base of the vehicle, and the coverage amount. Also, other factors such as your age, credit history, and driving history affects Geico’s average pricing. However, according to research, the automobile’s average annual rate is $1,168 in the US.

The RV insurance rate is cheaper compared to the car insurance price. The RV’s insurance premium is cheaper than a car because people drive their car frequently and drive their RV occasionally.

The RV insurance premium cost or rate also changes based on the type of RV. The cost of the premium is more for a Fifth wheel or a class A RV. On the other hand, the cost of insurance will be less for a class B RV or a pop-up travel trailer. Also, the cost of insurance for a travel trailer is less than the cost of insurance for a motorhome.

 

How to Apply for the Geico RV Insurance

Call 1-800-861-8380 to apply to get the RV insurance from Geico. The RVers need to have a driving license to get RV insurance quickly. Even if you don’t have your own RV during applying for the insurance, it will not affect you much. Moreover, Geico will not charge any additional cost on your insurance premium if you have a clean driving record without any complaints in the last five years.

Following the easy online application procedure, you can easily apply for the Geico RV insurance quote. You have to answer different questions regarding your RV, RVers driving record, and the drivers whom you want to be insured. So before applying for RV insurance, be sure that you have enough information and a driving license in your hand.

Also, when applying for RV insurance, you need to have the answers to other questions, including your RV’s age, make, class, length, model, and purchase price. Again you need to answer the question of why you are using your RV or the purpose of driving the RV, and the number of days you are driving it.

 

Geico RV Insurance’s Pros and Cons

Using the Geico RV insurance policy offers both advantages and disadvantages to its users. The basic pros and cons of it are:

Pros
  • App-based easy claims reporting
  • Plenty of discount opportunities

  • Available customer service 24/7

  • Low insurance premiums or rates

  • Affordable policies

  • Intuitive app and website

Cons
  • On consumer affairs, the customer ratings of the company are low
  • No coverage for permanent attachments, roadside assistance, and specialized equipment

  • The RV insurance service is not available in North Carolina, Hawaii, or Massachusetts

  • Insurance policies for six months

  • Don’t provide insurance coverage for all RV types

  • For high-risk drivers, it offers pricy insurance premium

  • Few local agents

Comparing the above pros and cons, the RVers should take their decision to purchase an RV from Geico.

 

Geico’s RV Plus Policy

Any driver can enjoy the comprehensive plan of Geico, and the company designed its RV Plus Policy in such a way. The RV Plus Policy provides the same protection similar to its Basic Plan. Moreover, the RVers indeed get a few additional features with it.
However, Geico’s RV Insurance Coverages under the RV Plus Policy are the following:

  • Towable RV and Motorized RV Insurance
  • Total loss replacement
  • Special deductible windshield
  • Replacement cost
  • Medical payment coverage for RV

 

What RV Owners Can Get From Roamly

By getting an insurance plan from Roamly, you can save up to 25% more than other RV insurance companies. The passionate RV owners of this company know what coverage types you require for your RV. So you can easily avoid paying more than you should for your RV insurance by taking a plan from Roamly.

Whether you rent your RV on a rental marketplace or keep your RV ideal in storage, Roamly will not stop giving coverage to your RV. Thus even if you keep your RV in storage and don’t use it, you can easily make extra money from it.

 

Bottom Line

RVers get Geico RV insurance at lower premiums or rates. That’s why it is more popular and attractive to RVers. Most of the customers purchase Geico’s Liability coverage as it a requirement in almost all states in order to drive an RV. To get the best possible RV coverage, RVers can ask for quotes and plans from Geico.

Geico sells all types of insurance, including home, auto, motorcycle, and renters insurance. Thus you can get any plan from them according to your insurance needs. Also, the huge discount options of this company make it unique and attractive to RVers. Geico’s RV insurance is cheaper than that of the other RV insurance companies that offer it. So, Geico would be the best choice for RVers on a budget who want to buy RV insurance.

Annie Martin

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