hawaii travel trailer insurance

Recreational Vehicles Insurance in and around Wahiawa

Protect your rv from the unexpected., camp out with this toy hauler insurance..

Unlock A World Of Possibilities With Travel Trailer Insurance

Want to see HI from the open road? Get your road trip off to a smooth start and help make sure you're protected with a Personal Price Plan®. Reach out to State Farm agent Nahoku Ahlo. Our coverage is specific for recreational vehicles of all styles, no matter if you’re just cruising over to one of the state parks for the weekend or headed to the Aloha State. Find out more about how to get your camper van insured in HI today.

Motorcoach Insurance You Can Count On

Ready to hit the road and explore some of the more adventurous areas around Wahiawa? Before you fire up your camper van or hitch up your trailer camper make sure it's properly insured. State law may only require some recreational vehicles have insurance - but an extra layer of protection can give you confidence for exploring the scenic and picturesque Hana Highway in Hawaii or discovering hidden gems in one of our lovely state parks! Contact State Farm Agent Nahoku Ahlo to learn more about protective coverage options designed with recreational vehicles specifically in mind – because a true adventure doesn't mean you should ignore the risks.

Have the confidence that your most valued items are covered wherever you roam, even when you're boondocking. Whether it's jewelry, a camera or video equipment for capturing memories on-the-go, water ski equipment or even collectibles to make each motorhome feel like home - don't forget coverage beyond the RV policy. A Personal Articles Policy from State Farm agent Nahoku Ahlo will help protect all your stuff inside while you're living on the road or off the grid.

Simple Insights®

Boat trailer safety.

Boat trailer safety includes choosing the proper trailer and towing vehicle, following proper hitching procedures and learning safe driving techniques.

Camping safety made simple

A camping trip is a great way to get in touch with nature. Setup your campsite & secure your belongings with the help of these camping safety tips.

Nahoku Ahlo

Contact nahoku ahlo for a personalized quote.

For your protection, please do not include sensitive personal information such as social security numbers, credit/debit card number, or health/medical information.

Please correct the following:

By filling out the form, you are providing express consent by electronic signature that you may be contacted by telephone (via call and/or text messages) and/or email for marketing purposes by State Farm Mutual Automobile Insurance Company, its subsidiaries and affiliates ("State Farm") or an independent contractor State Farm agent regarding insurance products and services using the phone number and/or email address you have provided to State Farm, even if your phone number is listed on a Do Not Call Registry. You further agree that such contact may be made using an automatic telephone dialing system and/or prerecorded voice (message and data rates may apply). Your consent is not a condition of purchase. By continuing, you agree to the terms of the disclosures above.

Please note: Insurance coverage cannot be bound or changed via submission of this online e-mail form or via voice mail. To make policy changes or request additional coverage, please speak with a licensed representative in the agent's office, or by contacting the State Farm toll-free customer service line at (855) 733-7333 .

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Recreational Vehicles Insurance in and around Honolulu

Honolulu's first choice in motorhome insurance is right here., protect your home sweet motorcoach..

Unlock A World Of Possibilities With Travel Trailer Insurance

Regardless of your motorhome or trailer type, recreational vehicle insurance protects your "Wandering Star" if it’s damaged in an accident. You can also get protection for personal belongings inside your RV, as well as liability coverage on the road and when your RV is parked around Honolulu or off the grid in the Aloha State. Choose a Personal Price Plan® from State Farm that has the protection you want at a price you can afford. Call agent Kaina Kauahi today!

Toy Hauler Insurance You Can Count On

With an RV policy from State Farm agent Kaina Kauahi, you can help ensure you're covered no matter where the road takes you. And don't worry about damages from the unexpected; choose between medical payments for passengers' bills plus roadside assistance to stay safe on all of life's journeys.

Enjoy life on the open road with State Farm RV insurance! Our recreational vehicle policy coverages are designed to give you and your recreational vehicle coverage wherever your journey takes you (meaning the United States of America and its territories and possessions and Canada). A State Farm RV insurance policy offers protection specifically designed for RVs and their unique risks - contact agent Kaina Kauahi today and get busy living.

Simple Insights®

Camping safety made simple.

A camping trip is a great way to get in touch with nature. Setup your campsite & secure your belongings with the help of these camping safety tips.

Gas vs electric golf cart

When buying a golf cart you'll need to decide between gas & electric. Consider use, maintenance and cost to help decide which is right for you.

Kaina Kauahi

Contact kaina kauahi for a personalized quote.

For your protection, please do not include sensitive personal information such as social security numbers, credit/debit card number, or health/medical information.

Please correct the following:

By filling out the form, you are providing express consent by electronic signature that you may be contacted by telephone (via call and/or text messages) and/or email for marketing purposes by State Farm Mutual Automobile Insurance Company, its subsidiaries and affiliates ("State Farm") or an independent contractor State Farm agent regarding insurance products and services using the phone number and/or email address you have provided to State Farm, even if your phone number is listed on a Do Not Call Registry. You further agree that such contact may be made using an automatic telephone dialing system and/or prerecorded voice (message and data rates may apply). Your consent is not a condition of purchase. By continuing, you agree to the terms of the disclosures above.

Please note: Insurance coverage cannot be bound or changed via submission of this online e-mail form or via voice mail. To make policy changes or request additional coverage, please speak with a licensed representative in the agent's office, or by contacting the State Farm toll-free customer service line at (855) 733-7333 .

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RV Insurance

RV insurance for wherever life takes you

Call (877) 434-2678 (geico-rv) to get a policy in minutes..

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Start your next trip with the right coverage at the right price

GEICO offers affordable RV insurance with great coverage tailored to your needs. Whether it's an RV, camper, motor home, or travel trailer, our RV specialists are available to help you get the right coverage for however you vacation.

Specialty Coverage You Can Count On

Customize your GEICO RV insurance policy with a wide range of specialty coverage options designed for motorized RVs, towable RVs, and travel trailers (including toy haulers).

Discounts To Help You Maximize Savings

Rack up savings on your RV insurance policy with our growing list of discounts, including a defensive driver discount, military discount, good student discount, and more.

Flexible Features for When You're on the Go

Choose how and when you pay with our flexible payment plans and options on all RV insurance policies. Plus, manage your policy and file claims right from your device with our app.

What info do I need to get an RV insurance quote?

Help us get you on the road sooner by gathering the information below before you start a quote.

Vehicle Information

You'll provide some basic details about your RV, including:

• Series Name (if applicable)
• Model Number

We'll need to know the number of days you use your vehicle per year on average to give you the best rate possible. Not sure of the exact number? That's ok! Just give your best guess.

Lienholder Info

If you're financing your RV, we're happy to send proof of coverage to your lender. Just let us know how to reach them by providing the name, address, and email or fax number of your lienholder.

What is RV Insurance?

RV Insurance includes the protection you need-designed with travel and leisure in mind.

Recreational Vehicle (RV) insurance is a specialized insurance policy designed to protect owners of camper vans, trailers, and other recreational vehicles. It provides coverage for bodily injuries and damage to your vehicle or property.

RV insurance coverage varies based on:

• The coverages you need
• How you use your RV
• The type of RV you own

Do I need RV insurance?

The right RV insurance for you depends on your vehicle type, coverage needs, and state laws.

What types of RVs can I insure?

With GEICO, you can get RV insurance for a variety of recreational vehicles, trailers, and haulers.

Motorized Recreational Vehicles

• Class A, B, and C Motorhomes
• Camper Vans

Travel Trailers, Campers

• Conventional and 5th Wheel Travel Trailers
• Pop-Up Travel Trailers and Truck Campers
• Airstreams and Teardrop Campers

Toy Haulers

• ATV, Dirt Bike, and Motorcycle Haulers

How does RV insurance work?

RV Insurance is tailored to the unique needs of RV owners.

RV insurance works similarly to other types of auto insurance, but coverages are tailored specifically to the needs of RV owners. Owners pay a premium to an insurance company in exchange for coverage that protects their recreational vehicle from various risks. This coverage typically includes liability protection, which covers bodily injury and property damage to others in case of an accident for which you are liable.

Additionally, RV insurance may include collision coverage to repair or replace your RV in the event of an accident, comprehensive coverage for non-collision incidents such as theft, vandalism, or natural disasters, and optional coverages like roadside assistance and personal property coverage. In the event of a claim, you would typically pay a deductible before the insurance company covers the remaining costs up to the policy's limits.

How much does RV insurance cost?

GEICO offers a variety of discounts you may qualify for to maximize your savings.

RV insurance premiums are influenced by various factors, ranging from state insurance requirements to individual circumstances. Understanding these factors is crucial for striking a balance between securing optimal protection and finding affordable coverage.

Your driving history - including past accidents and traffic violations is taken into consideration by insurers. The condition of your RV also impacts cost; newer, well-maintained vehicles may have lower premiums compared to older models or a history of damages.

Additionally, the type and extent of coverage you select greatly influences RV insurance premiums. Opting for higher liability limits provides added protection but typically results in higher premiums, whereas choosing a higher deductible can lower your insurance costs but may require you to pay more out of pocket in the event of a claim.

Maximize your RV insurance savings with special discounts offered by GEICO (varies by state):

• Good Driver discount
• Commercial driver's license discount
• Military discount
• Defensive driver discount
• Homeowner discount
• Multi-vehicle discount
• Multi-product discount
• Anti-theft discount
• Anti-lock Brake discount (Class A, B, and C)
• Paid-in-full discount

What does RV insurance cover?

From total loss replacement to emergency expenses and roadside assistance, GEICO has you covered.

GEICO offers a range of coverages such as total loss replacement and vacation liability to protect your RV and provide you with peace of mind while on the road. These coverages are designed to address various risks and potential losses that RV owners may face. For more information on the types of coverage available, check out our RV coverages page.

It's important to review your policy carefully, as RV insurance coverages and coverage amounts vary by policy and provider.

Customize your GEICO RV insurance policy to include a variety of coverages

• Total loss replacement
• Exterior body, wheels, and chassis
• Comprehensive & collision
• Personal effects replacement
• Vacation liability
• Emergency expenses
• RV medical payments
• RV Emergency roadside services

Ready to get coverage and start a new journey?

Getting a quote from GEICO is easy and can be done in just a few minutes.

RV Insurance FAQs

Get the answers you need about GEICO RV Insurance.

• How do I get the best RV insurance rates? You can customize your RV insurance policy and find a few ways to possibly lower your insurance rates. You should consider whether you're storing your RV in a safe and secure location, decide how you will use your RV, change your insurance deductible, and more.
• How can I avoid common RV problems? You can't predict when a problem will occur but you can help avoid them with simple maintenance. You should check your tires regularly, keep tires properly inflated, replace the old sealant around all windows, and constantly maintain your RV. To protect yourself financially, you should also have RV insurance. For more info, check out our common RV problems page .
• What RV type is right for me? Deciding which RV is right for you comes down to personal preference and needs. Consider factors like whether you need a self-propelled or towed RV, the amount of weight your vehicle can safely tow, and the amount of RV space you need. For more guidance on selecting the right RV type, be sure to check out our help page .
• Where can I learn more about RV safety? To learn more about RV safety, you can check out our safety tips for RVs . These tips provide valuable information and guidelines to make a safe and enjoyable RV experience more likely. By following these tips, you can enhance your knowledge and take precautions designed to help financially safeguard your trailer itself and also help cover you financially in case of accidents or liability issues. So, even if it's not compulsory, it's a wise choice for protecting your investment and ensuring your peace of mind while you're on the road.
• What's the difference between motorhome and travel trailer insurance? Motorhome insurance is tailored for vehicles you can drive, such as Class A, B, or C motorhomes. It provides coverages for both the RV and liability that might arise while you're on the move. On the other hand, travel trailer insurance is designed for non-motorized trailers towed behind your vehicle. It provides coverage for the trailer itself and may also include liability protection at your campsite. So, the main distinction lies in whether your RV has its own engine or not, but both types of insurance could help ensure you're well-covered during your adventures.

Please note:

Some discounts, coverages, payment plans, and features are not available in all states, in all GEICO companies, or in all situations. The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

*Enhanced RV coverage is currently available in all states except: HI, MA, MI, and NC.

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RV Insurance in Hilo, HI.

Adventure Awaits: Recreational Vehicle Insurance. Quality Coverage at Great Rates.

Hello, adventurers of Hilo, HI.! Ready to hit the road or sail the waters with your recreational vehicle (RV)? Wait a moment! Let's talk about something that's as important as your travel checklist - Recreational Vehicle Insurance. Here at Hawaii Island Insurance , we're all about ensuring your adventures are worry-free. Curious about how we can help? Dial 808-961-3207 and let's chat about securing your journeys.

Why Recreational Vehicle Insurance?

Whether you're a weekend warrior with a camper van or a full-time RVer, unexpected events can happen. RV insurance is designed to protect your home-on-wheels from various mishaps and accidents. Typical claims include:

• Damage to your RV from accidents, fire, theft, or vandalism
• Bodily injury liability if you're at fault in an accident
• Property damage liability for damages caused to others' property
• Uninsured/underinsured motorist coverage

Need a customized policy? We're here to tailor one just for you. Call 808-961-3207 for your unique needs.

Tailored Coverage from Hawaii Island Insurance

Comprehensive RV Protection

Personalized Policies

Affordable Plans

At Hawaii Island Insurance , we understand every adventurer has different needs. Whether you own a motorhome, travel trailer, or a fifth wheel, we offer customized insurance plans to suit your style. Our competitive rates ensure you can enjoy your adventure without breaking the bank. Plus, our dedicated team is always here for personalized support. Any questions? Just call us at 808-961-3207 .

Real-Life Protection for Real-Life Adventures

Imagine this: You're exploring the great outdoors when suddenly, a mishap damages your RV, or worse, you find yourself liable in an accident. These aren't just hypotheticals; they're real risks that come with the RV lifestyle. With Hawaii Island Insurance , you're covered for these situations and more. We're here to help you handle the bumps on your adventurous road.

Get Your RV Covered

Ready to secure your roaming home with recreational vehicle insurance? It's simple. Call us at 808-961-3207 or fill out our online quote request form. Our team at Hawaii Island Insurance is eager to find the perfect insurance plan for your adventures on the road.

In Hilo, HI., your recreational vehicle is more than just a mode of transport; it's a gateway to adventure. Protect your gateway with RV Insurance from Hawaii Island Insurance . A call to 808-961-3207 or a click on the online quote request form is all it takes to start your journey with confidence. Let's make sure your adventures are as safe as they are exhilarating!

Recreational Vehicles Insurance in and around Hilo

Looking for travel trailer insurance around hilo, road trip in your motorcoach, safely.

• Hawaii Island
• Hawaiian Paradise Pk
• Mountain View
• Hawaiian Beaches
• Laupahoehoe

Let Us Help Rekindle Your Love Of Travel

Regardless of your motorhome or trailer type, recreational vehicle insurance protects your "Home on Wheels" if it’s damaged in an accident. You can also get protection for personal belongings inside your RV, as well as liability coverage on the road and when your RV is parked around Hilo or off the grid in the Aloha State. Choose a Personal Price Plan® from State Farm that has the protection you want at a price you can afford. Call agent Kia Kamauu today!

There's No Place Like Home (or Your Home On Wheels)

With an RV policy from State Farm agent Kia Kamauu, you can help ensure you're covered no matter where the road takes you. And don't worry about damages from accidents; choose between medical payments for passengers' bills plus roadside assistance to stay safe on all of life's journeys.

Enjoy life on the open road with State Farm RV insurance! Our recreational vehicle policy coverages are designed to give you and your RV coverage wherever your journey takes you (meaning the United States of America and its territories and possessions and Canada). A State Farm RV insurance policy offers protection specifically designed for RVs and their unique risks - contact agent Kia Kamauu today and get busy living.

Simple Insights®

Atv safety tips.

Taking the proper ATV safety steps can help keep you and your family safe while you enjoy your riding experience.

What are the different types of insurance?

You've probably heard of car insurance, homeowners insurance and life insurance. Find out what's covered under these and other types of policies.

Contact Kia Kamauu for a personalized quote

For your protection, please do not include sensitive personal information such as social security numbers, credit/debit card number, or health/medical information.

Please correct the following:

By filling out the form, you are providing express consent by electronic signature that you may be contacted by telephone (via call and/or text messages) and/or email for marketing purposes by State Farm Mutual Automobile Insurance Company, its subsidiaries and affiliates ("State Farm") or an independent contractor State Farm agent regarding insurance products and services using the phone number and/or email address you have provided to State Farm, even if your phone number is listed on a Do Not Call Registry. You further agree that such contact may be made using an automatic telephone dialing system and/or prerecorded voice (message and data rates may apply). Your consent is not a condition of purchase. By continuing, you agree to the terms of the disclosures above.

Please note: Insurance coverage cannot be bound or changed via submission of this online e-mail form or via voice mail. To make policy changes or request additional coverage, please speak with a licensed representative in the agent's office, or by contacting the State Farm toll-free customer service line at (855) 733-7333 .

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6 Best RV Insurance Companies of 2024

RV insurance policies are designed to provide protection for various types of events, including when your vehicle causes damage or injuries to others and when your vehicle incurs damage or loss.

Like other types of vehicle insurance, there are different levels of coverage available. This includes full-time RV insurance for those who live in an RV as their permanent residence and part-time insurance for RV owners who use the vehicle on a part-time or occasional basis.

No matter how often you use your vehicle, nearly every state requires liability coverage of some sort when you operate an RV. Additional coverage available for RVs includes collision insurance , which addresses the cost of repairs in the event of an accident involving another vehicle and comprehensive coverage , which is designed to cover such incidents as vandalism and theft, among other things. There are also many different types of add-ons and discounts available when selecting RV insurance.

Below we identify the best RV insurance providers, based on extensive research and taking into consideration such factors as policy offerings, extras, information availability and transparency on company websites, and more.

Table of Contents

• Best RV Insurance
• How to Find
• How to Save

Progressive  »

Insures all types of motorhomes

Extensive variety of discounts available

Offers full-time RV coverage

Total loss replacement not available in all states

Progressive is our top choice for RV insurance based on analysis of its offerings and the competition. Progressive insures a wide range of RVs including Class A, Class B, and Class C motorhomes. It also ensures conventional trailers and fifth-wheel trailers. Not all insurers offer coverage for such a diverse range of RVs.

Progressive also makes it very easy to identify any discounts that may be available. When requesting a policy quote, the Progressive platform shows users multiple ways to save on policy costs. There’s also a significant number of discounts offered, including original owner, multi-policy, pay in full, responsible driver, prompt payment, claim-free renewal, homeowners, continuous coverage, and paperless discounts. Disappearing deductibles, which represent another option, are also offered by Progressive. As part of this discount, for every claim-free period on your policy, Progressive says it will subtract 25%and will keep doing so until you reach $0.

Progressive’s policy options include coverage for those who use their RV full-time or as a residence. Policies for these customers provide coverage similar to homeowner’s insurance, including personal liability and loss assessment. Another feature we liked, in contrast to some other RV insurance providers, Progressive’s website is detailed and very informative, making it easy to learn about the various policies available, as well as add-ons, and discounts.

One significant drawback for some: Progressive does not offer total loss replacement in all states. If you own a newer RV or a particularly expensive RV, not being able to access total loss coverage can be a dealbreaker. You will need to check with your Progressive agent or speak to an agent on the phone to determine what coverage is available in your state.

Good Sam Insurance Agency  »

Covers all types of RVs

Provides coverage in Mexico

Insurance agency, not a direct insurer

Poor customer reviews of roadside assistance

Not all RV insurance providers offer policies for full-timers, but Good Sam does. It also offers customizable coverage options designed specifically with full-time RVers in mind. For those who use their RV six months or more annually, the full-timer’s plan offers personal liability loss coverage beyond that tied to a vehicle accident. Additional options available for full-time RVers include medical payments to others, personal belongings coverage, and emergency expense allowance. And because Good Sam utilizes a network of specialty RV insurance carriers to provide coverage – unlike other firms in this article, Good Sam is an insurance agency, not an insurance company – most RVers should be able to find coverage for any lifestyles and budgets.

It’s also worth noting that Good Sam can connect you with insurers that offer coverage for travel in Mexico, which is not something all companies offer. Good Sam discounts include multi-vehicle, multi-policy, and paid-in-full. There’s also a storage discount that allows policyholders to suspend most coverage options during non-travel seasons when your RV is in storage. The company says this discount can save users an average of 53%off insurance premiums when not using your motorhome, fifth-wheel, or travel trailer.

There are some drawbacks to consider when considering Good Sam as well. Most importantly, it is not a direct insurer. It is an insurance agency. The coverage itself is provided by such companies as Progressive, Safeco, National General, and others. As a result, coverage options may vary. In addition, there have been some customer complaints lodged with the Better Business Bureau (BBB) about Good Sam’s roadside assistance, which reviewers say has failed to meet the expectations of policyholders.

National General  »

Ability to pause coverage when RV is not in use

Purchase price guarantee coverage

Website lacks detailed information about policies

Does not cover all RV types; only Class A, Class C and toterhomes

One of the most notable features of National General’s offerings is the ability to pause coverage when you’re not using your RV. This is a potentially valuable money-saving feature for those who do not intend to drive or live in their RV full-time. For months when your RV is in storage or not being used, the pause option suspends collision and liability coverage, which the company says saves policyholders as much as 53%on premium costs.

The purchase price protection add-on offered by National General is another feature worth considering, especially if you’re driving an expensive new RV. This coverage can be added to your policy within an RV's first 9 model years and it pays up to the original purchase price of an RV, in the event your vehicle is totaled and needs to be replaced.

Some customers may be frustrated by National General’s website, which isn’t as user-friendly as those of some competitors. The publicly available information about policy offerings is limited, making it difficult to get all your questions answered if you’re policy-shopping online. In addition, the company does not cover all RV types. It only covers Class A, Class C, and Toterhomes. But the only way to find this out is to go through the steps of obtaining a quote on the company’s website.

Also you need to be aware that coverages and discounts as well as features, benefits, and pay plans may vary by states. You will need to verify what is available for your state with an agent.

Allstate  »

Long list of coverage options

Offers full-time RV insurance

RV safety course discount

Fewer discounts listed then some other insurers

Website lacks specifics about policies

The RV coverage options available through Allstate are extensive. In addition to the basics, such as bodily injury liability, property damage liability, collision coverage, and comprehensive, Allstate offers such options as vacation liability, pet coverages, tow bar coverages, and emergency expense coverage. Allstate’s policy options also include full-timer’s liability coverage. This coverage is available to those who use an RV as a permanent residence for more than six months annually. Allstate also offers a policy discount to those who take an RV safety course, something that is not offered by all insurers.

Still, the discount options listed on the Allstate website are limited compared to the competition. Beyond the safety course discount, the potential price cuts include homeowner discount ,  married discount, pay in full discount, and paperless discount. Other companies offer a wider variety of ways to reduce policy costs.

Coverages and discounts may vary by state. Speak with an agent to see what is available for you.

Nationwide  »

Variety of discounts available

Towing coverage includes lodging and meals

Limited optional coverages

No online quote option

Nationwide offers a variety of discounts in association with its RV policies including multi-policy and multi-vehicle discounts, RV safety course, paid-in-full, good driver, prior insurance, and claims-free renewal. It also offers a discount for RV association membership, which is not offered by many competitors. Those who are members of an RV club, such as the National RV Association, may be eligible for a policy discount.

Nationwide offers comprehensive roadside assistance. Using its mobile app when roadside assistance is needed, you can track service in real time, get status updates on a driver’s arrival, and read Google reviews of area repair facilities. The emergency assistance program is available 24-hours a day and includes towing, jump start, gas delivery, flat tire changes, and winching. When you add the optional towing coverage to your policy, you’ll also get coverage for trip interruption expenses including lodging, transportation and meals.

Nationwide’s optional coverages, however, are limited compared to the competition. It offers less than a half dozen choices: roadside assistance, towing and labor, vacation liability, safety glass replacement, and replacement cost and scheduled personal effects. This can be challenging for RVers seeking coverage for such things as pets, or other unique needs. The company also does not provide the option to obtain a quick policy quote via its website. Instead, you must call and speak with an agent. The agent will be able to share what coverages are available in your state.

Coverage for motorized and towable RVs

Widely available across U.S.

Enhanced RV coverage is not available in all states

RV policy discounts not listed on Geico website

Geico is well-known for its admirable customer service and this holds true for its RV insurance. Customer service representatives are available around the clock, 24 hours a day, seven days a week. Customer service can also be reached through the Geico app or online via live chat on the company’s website. The variety of ways to communicate is not something offered by all providers and can be especially reassuring in an emergency situation.

Geico also provides coverage for a variety of motorized and towable RVs. The motorized RVs covered include Type A motorhomes, Type B motorhomes (van campers) and Type C motorhomes (mini motor homes). Their travel traveler insurance encompasses conventional travel trailers, fifth-wheel travel trailers, travel trailers with expandable ends and even folding camper trailers and truck campers. And unlike many other insurers, Geico also covers toy haulers used to transport motorcycles and ATVs.

There are some limitations to Geico’s coverage, however. For instance, it does not provide “enhanced”RV coverage in Hawaii, Massachusetts, Michigan, or North Carolina. There’s also no information made available on the Geico website about RV policy discounts that may be available, which can make it challenging to quickly obtain a full comparison of Geico policies and options against the competition.

The Bottom Line

There’s a variety of RV insurance policy providers and options on the market, making it important to do your homework and understand the different choices and whether they suit your lifestyle, goals, and budget. If you’re a first-time RVer, be sure to ask a lot of questions so you know what you’re signing on for and what your policy will and won’t include. For sheer user-friendliness, Progressive can be a good place to start as its website provides a great deal of information up front.

How to Find the Best RV Insurance

Here are some key actions to consider when searching for the best RV insurance policy:

• Evaluate your coverage requirements. Assess the type and level of coverage you need, considering factors like your RV’s value, your driving habits, and legal requirements in your state.
• Get quotes. Compare premiums, coverage options, and potential discounts by requesting quotes from various providers.
• Review policy flexibility. Look for insurers offering flexible policy options, such as customizable coverage limits and deductible choices, to match your individual needs.

How to Save on RV Insurance

When looking for ways to reduce the cost of RV insurance, consider the following:

• Searching for  discounts. Ask about benefits like safe driver, new vehicle, and safety feature discounts.
• Bundling policies. Save money by bundling RV insurance with other home or auto insurance policies.
• Raising deductibles. A higher deductible can reduce your premiums, but make sure you can cover the out-of-pocket costs in case of a claim.
• Exploring usage-based insurance options. Some insurers offer discounts based on driving habits tracked through usage-based programs.
• Maintaining a clean driving record. Avoiding accidents and traffic tickets can help keep your premiums low.
• Improving your credit score. Maintaining a good credit score can also lower your premiums.

Do You Need RV Insurance?

Generally, RV insurance is essential to protect your investment and cover potential risks, but there are a few points to think about when deciding if you need it:

• State requirements. Many states require liability insurance for RVs, similar to requirements for cars.
• Type of RV.   Motorhomes, travel trailers, and campers may have different insurance needs. Motorhomes usually require separate insurance, while trailers might be covered under your auto policy.
• Usage. If you live in your RV full-time, you'll need specialized coverage that differs from recreational use insurance.
• Protection. RV insurance can cover various risks, including liability, collision personal belongings, and even roadside assistance.

How We Chose the Best RV Insurance

A number of expert sources were used to conduct this review. The selection was narrowed down with additional research, paying particular attention to policy add-ons, discounts, user-friendliness of websites and the transparency of available information. We also took the company’s AM Best financial strength rating into account, as well as consumer feedback from the Better Business Bureau (BBB).

Overall, we found that the best policy is one that combines a variety of coverage options, as well as a diversity of discounts and the ability to customize policies to meet your needs and RV usage styles.

WHY SHOULD YOU TRUST US?

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Full-time RVers will need a policy that’s specifically designed for their lifestyle. These policies are similar to home insurance policies and often include such features as personal liability and loss assessment coverage. Part-time RVs or occasional travelers will need less comprehensive coverage and may want to seek a policy that provides discounts for those times when the RV is in storage or not in use.

Some policies do cover belongings inside your RV, but you will typically need to add this type of coverage to a standard policy, which will increase your policy costs.

Some companies may provide rental reimbursement while an RV is being repaired. This would be an add-on feature, so be sure to ask about the availability of this option when shopping around.

Because trailers are not motorized, a separate policy is typically not required. In most cases, the liability insurance you have for the vehicle that’s towing the trailer will cover your trailer.

When renting out an RV that you own, you will need insurance that covers yourself during the rental period while other people are driving the vehicle. You will also need a separate insurance policy that allows you to rent your RV.

Yes, theft of personal items is often covered by RV insurance under personal effects coverage. This coverage protects your personal belongings stored within the RV, such as clothing, electronics, and other valuables.

Insurance for RVs is generally more affordable than auto insurance, offering similar coverage levels. However, the insurance cost for bigger and newer RVs can exceed standard auto insurance rates.

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Recreational Vehicle (RV) Insurance Claims Process in Hawaii

1. What is the process for filing an RV insurance claim in Hawaii?

Filing an RV insurance claim in Hawaii typically involves the following steps: 1. Report the Claim: Notify your RV insurance provider as soon as possible after the incident. Have all relevant information ready, such as your policy details, date, time, and location of the incident, and a description of what happened. 2. Document the Damage: Take photos or videos of the damage to your RV and any other vehicles involved. Document any injuries or property damage at the scene. 3. Provide Information: Your insurance company will likely ask for supporting documentation, such as a police report, witness information, and any other relevant details related to the incident. 4. Review Your Policy: Familiarize yourself with the coverage included in your RV insurance policy to understand what is covered and any deductible or limits that may apply to your claim. 5. Work with Adjusters: An insurance adjuster will assess the damage to your RV and provide an estimate for repairs or replacement. Be cooperative and provide any additional information requested. 6. Receive Payment: Once the claim is approved, you will receive payment for the covered damages, either to repair your RV or compensate for its total loss. By following these steps and cooperating with your insurance provider, you can efficiently navigate the process of filing an RV insurance claim in Hawaii.

2. Are there specific requirements for RV insurance claims in Hawaii compared to other types of vehicle claims?

RV insurance claims in Hawaii generally follow similar procedures as other types of vehicle claims, with some specific requirements that may be unique to RVs. Some key considerations for RV insurance claims in Hawaii compared to regular vehicle claims may include: 1. Coverage Options: RVs may have specialized insurance coverage options such as total loss replacement, vacation liability, and personal belongings coverage. It’s essential for RV owners in Hawaii to ensure they have the appropriate coverage based on their specific needs and usage of the vehicle. 2. Travel Considerations: Hawaii’s unique geographical location as an island state may impact RV insurance claims in terms of transportation for repairs or replacement parts. RV owners should be aware of any additional coverage needed for travel-related expenses in case of breakdowns or accidents while exploring the islands. 3. Storage and Use: RV insurance in Hawaii may have specific requirements regarding storage when the vehicle is not in use, especially considering the tropical climate that can impact the condition of the RV. Owners may need to adhere to guidelines for proper storage to avoid issues with insurance claims related to damages. 4. Local Regulations: Hawaii may have specific regulations or laws that apply to RV insurance claims, such as requirements for reporting accidents or filing claims within a certain timeframe. It’s important for RV owners to be familiar with these regulations to ensure a smooth claims process. Overall, while the basic process for filing RV insurance claims in Hawaii may be similar to other types of vehicle claims, understanding the specific requirements and considerations for RVs in the state can help RV owners navigate the claims process effectively and ensure they have the right coverage for their needs.

3. How long does it typically take to process an RV insurance claim in Hawaii?

The time it takes to process an RV insurance claim in Hawaii can vary depending on several factors, including the complexity of the claim, the insurance company’s internal processes, and the cooperation of the policyholder in providing necessary documentation and information. On average, the processing time for an RV insurance claim in Hawaii can range from a few days to several weeks. 1. Initial Claim Submission: Once the claim is submitted, it typically takes the insurance company a few days to review the claim and determine its validity. 2. Investigation: If the claim requires further investigation, such as assessing the extent of damage to the RV or verifying coverage details, this may prolong the processing time. 3. Communication: Clear and prompt communication between the policyholder, insurance company, and any involved parties can help expedite the claim process. 4. Resolution: Once all necessary information is gathered and reviewed, the insurance company will make a decision on the claim and proceed with issuing payment for approved claims. It’s important for policyholders to stay in contact with their insurance company and provide any requested documentation promptly to help ensure a smooth and efficient claims process.

4. Is there a specific deadline for filing an RV insurance claim in Hawaii after an accident or incident?

In Hawaii, there is no specific deadline set by state law for filing an RV insurance claim after an accident or incident. However, it is essential to check the terms and conditions of your RV insurance policy, as insurance companies typically have their own specified timeframes within which a claim must be filed. It is recommended to notify your insurance provider promptly after an accident to initiate the claims process. Delay in reporting a claim may result in complications or possible denial of coverage. Additionally, timely reporting allows for a smoother claims handling process and quicker resolution of any damages or injuries sustained.

5. What type of documentation do I need to submit with my RV insurance claim in Hawaii?

When submitting an RV insurance claim in Hawaii, there are several types of documentation you will typically need to provide to support your claim: 1. Policy Information: Make sure to have your RV insurance policy details handy, including your policy number and coverage limits. 2. Incident Details: Provide a detailed account of the incident that led to the claim, including the date, time, and location of the event. 3. Photos and Videos: Submit any relevant photos or videos of the damage to your RV to support your claim. 4. Police Report: If the incident involved a collision or theft, include a copy of the police report. 5. Repair Estimates: Obtain repair estimates from authorized RV repair shops or mechanics for the damages incurred. Submitting all necessary documentation accurately and promptly can help expedite the claims process and ensure a smooth resolution to your RV insurance claim in Hawaii.

6. Can I file an RV insurance claim through my own insurer or do I need to go through the at-fault driver’s insurance company in Hawaii?

In Hawaii, you have the option to file an RV insurance claim either through your own insurer or through the at-fault driver’s insurance company. It is recommended to first notify your own insurance company of the incident, provide them with the necessary details, and initiate the claims process with them. Your own insurer will guide you through the process and assist you in getting the necessary repairs or compensation for your RV. 1. If the accident was caused by another driver, their insurance company may be liable for covering the damages to your RV. 2. Your insurance company can also help facilitate the claims process with the at-fault driver’s insurance company to ensure you receive the appropriate compensation. 3. It is essential to review your RV insurance policy to understand your coverage limits and any specific procedures for filing a claim, especially in the case of an accident involving another party. 4. Working with your own insurer can often lead to a smoother and faster claims process, as they are familiar with your policy and can act in your best interests to resolve the situation efficiently. 5. Keep records of all communications and documentation related to the accident and the insurance claim to support your case and ensure a fair resolution. 6. Consulting with a legal advisor or insurance professional can also provide valuable guidance in navigating the claims process and ensuring you receive the appropriate compensation for damages to your RV.

7. Are there any limitations or exclusions on coverage for RV insurance claims in Hawaii?

In Hawaii, RV insurance policies typically come with certain limitations and exclusions that policyholders should be aware of. Some common limitations or exclusions on coverage for RV insurance claims in Hawaii may include: 1. Land use restrictions: Some RV insurance policies may have limitations on coverage depending on where the RV is parked or stored in Hawaii. Coverage may be limited if the RV is parked in certain areas or used for commercial purposes. 2. Roadside assistance limitations: While many RV insurance policies in Hawaii may include roadside assistance coverage, there may be limitations on the types of services covered or the distance a service provider will travel to assist the insured RV. 3. Personal property coverage exclusions: Certain personal belongings inside the RV may be excluded from coverage under the RV insurance policy in Hawaii. It is important for policyholders to review the policy wording to understand what personal property is covered and any limitations on coverage. 4. Off-road use exclusions: Coverage for RV insurance claims in Hawaii may be limited or excluded if the RV is used off-road or in certain designated areas not covered by the policy. 5. Wear and tear exclusions: RV insurance policies typically do not cover damage resulting from normal wear and tear or lack of maintenance. Policyholders should regularly maintain their RV to prevent claims being denied due to wear and tear. It is important for RV owners in Hawaii to carefully review their insurance policy to understand any limitations or exclusions in coverage to ensure they are adequately protected in the event of a claim.

8. How are claims involving multiple vehicles or parties handled by RV insurance companies in Hawaii?

In Hawaii, claims involving multiple vehicles or parties in RV insurance are typically handled by the insurance companies through a process called subrogation. This process allows the insurance company of the at-fault party to seek reimbursement from the insurance company of the not-at-fault party for the damages incurred. Here is how claims involving multiple vehicles or parties are usually handled by RV insurance companies in Hawaii: 1. Investigation: When a claim involves multiple vehicles or parties, the insurance companies will conduct a thorough investigation to determine fault and assess the damages. This may involve gathering witness statements, reviewing police reports, and evaluating any available evidence. 2. Determination of Liability: Once the investigation is complete, the insurance companies will determine the liability of each party involved in the accident. This determination is crucial in deciding which insurance company will cover the damages. 3. Subrogation Process: If one party is found to be at fault, their insurance company will initiate the subrogation process with the insurance company of the not-at-fault party. This process involves the at-fault party’s insurance company seeking reimbursement for the damages they have paid out on behalf of their policyholder. 4. Settlement Negotiations: The insurance companies will then engage in settlement negotiations to determine the appropriate compensation for the damages incurred. This process can involve back-and-forth communication between the insurance companies to reach a fair resolution. 5. Coverage Limits: It’s important to note that the amount of coverage available for each party involved in the accident will depend on their individual insurance policies. If the damages exceed the policy limits of one party, the subrogation process may still proceed, but the at-fault party may be responsible for covering the remaining costs out of pocket. Overall, claims involving multiple vehicles or parties in RV insurance in Hawaii are typically resolved through the subrogation process, which aims to allocate responsibility for the damages and ensure that each party is appropriately compensated.

9. Is there a difference in the claims process for full-time versus part-time RVers in Hawaii?

In Hawaii, there can be differences in the claims process for full-time RVers compared to part-time RVers, primarily due to the level of usage and the status of the RV as a primary residence. Here are some key points to consider: 1. Policy Coverage: Full-time RVers often have specialized insurance policies tailored to their lifestyle, which may include coverage for personal belongings, liability, and emergency expenses that are not typically included in standard RV insurance policies. Part-time RVers may have more basic coverage that reflects their intermittent use of the vehicle. 2. Claim Documentation: Full-time RVers may need to provide additional documentation to support their claim, such as proof of residency in the RV and utility bills, to establish their primary residence status. Part-time RVers may not need to provide such extensive documentation. 3. Investigation Process: Insurance companies may conduct a more thorough investigation for claims filed by full-time RVers to ensure the legitimacy of the claim and the extent of damages. This process may be less intensive for part-time RVers who use their vehicle for recreational purposes only. 4. Claim Denials: Full-time RVers may encounter challenges with their claims if their insurance provider determines that the damages were caused by wear and tear due to constant use of the vehicle as a primary residence. Part-time RVers may have a higher chance of claim approval for damages incurred during occasional recreational trips. It is essential for both full-time and part-time RVers in Hawaii to review their insurance policy carefully and understand the coverage limits and requirements for filing a claim to ensure a smooth claims process in case of an incident.

10. Are emergency services and towing covered under RV insurance policies in Hawaii?

Yes, emergency services and towing are typically covered under RV insurance policies in Hawaii. In the event of a breakdown or accident, many RV insurance policies include coverage for emergency services such as towing, roadside assistance, and even accommodations if you are stranded far from home. It is important to review your specific RV insurance policy to understand the extent of coverage for emergency services and towing. In Hawaii, some RV insurance policies may also offer additional benefits such as coverage for rental cars or travel expenses if your RV is out of commission. It’s recommended to check with your insurance provider to confirm the details of your coverage for emergency services and towing to ensure you are adequately protected while on the road in your RV.

11. Who determines the value of repairs or replacement for my damaged or totaled RV during the claims process in Hawaii?

In Hawaii, the value of repairs or replacement for a damaged or totaled RV during the claims process is typically determined by the insurance company handling the claim. The process involves several steps, including: 1. Assessment: An adjuster from the insurance company will assess the extent of the damage to your RV. 2. Estimation: The adjuster will then provide an estimate of the cost of repairs based on the damage incurred. 3. Market Value: If the RV is deemed a total loss, the insurance company will determine the actual cash value of the RV at the time of the loss, taking into account factors such as depreciation and market value. 4. Negotiation: You may have the opportunity to negotiate the settlement amount with the insurance company if you believe the initial offer does not adequately cover the repairs or replacement cost. Ultimately, the insurance company will make the final decision on the value of repairs or replacement for your damaged or totaled RV based on their assessment and the terms of your policy.

12. Will my rates increase if I file an RV insurance claim in Hawaii?

1. In general, filing an RV insurance claim in Hawaii can lead to an increase in your insurance rates. Insurance companies consider multiple factors when determining rate adjustments, including the frequency of claims filed by a policyholder. If you file a claim for an RV accident, theft, damage, or other covered incidents, your insurer may view you as a higher-risk customer, potentially resulting in increased premiums. 2. The extent of the rate increase will vary depending on the circumstances of the claim and your overall claims history. If the claim is significant or if you have a history of filing multiple claims, the insurance company may raise your rates more substantially. Conversely, a single minor claim may have a lesser impact on your premiums. 3. It’s essential to review your insurance policy and understand how filing a claim can affect your rates. Some policies offer accident forgiveness or claims-free discounts that can help mitigate rate increases after filing a claim. Additionally, discussing the situation with your insurance agent can provide insights into how a specific claim may impact your premiums in Hawaii.

13. Are there any additional state-specific laws or regulations that may impact the handling of RV insurance claims in Hawaii?

Yes, there are state-specific laws and regulations in Hawaii that can impact the handling of RV insurance claims. Here are some key points to consider: 1. Hawaii operates under a “no-fault” insurance system for auto insurance, including RVs. This means that regardless of who is at fault in an accident, each party’s insurance typically covers their own medical expenses and property damage. 2. Hawaii also requires drivers to carry minimum liability coverage for bodily injury and property damage. RV owners should ensure their policies meet the state’s requirements to avoid penalties or difficulties in the claims process. 3. The state may have specific regulations concerning uninsured or underinsured motorist coverage for RVs. It’s essential for RV owners to understand these requirements and ensure they have adequate coverage in case they are involved in an accident with an uninsured or underinsured driver. 4. Additionally, Hawaii’s Department of Commerce and Consumer Affairs oversees insurance regulations in the state. RV insurance providers and policyholders should adhere to the department’s guidelines and regulations to ensure compliance and smooth claims processing. Understanding these state-specific laws and regulations can greatly impact how RV insurance claims are handled in Hawaii. RV owners should review their policies carefully, work closely with their insurance providers, and stay informed about any changes in the state’s insurance laws to navigate the claims process effectively.

14. Can I choose which repair shop to use for my RV repairs during the claims process in Hawaii?

In Hawaii, most RV insurance policies allow policyholders to choose their preferred repair shop for repairs during the claims process. However, there are a few important points to consider: 1. Check your policy: Review your RV insurance policy to understand if there are any specific provisions pertaining to selecting a repair shop. Some policies may have preferred network repair shops or guidelines for choosing a repair facility. 2. Insurance company’s network: Although you can typically choose your repair shop, some insurance companies may have a network of preferred or approved repair shops. Using a shop within this network may streamline the claims process and ensure quality repairs. 3. Consult with your insurer: It is always advisable to consult with your insurance company before selecting a repair shop. They can guide you on the claims process, any requirements, or potential issues that may arise. Ultimately, the choice of repair shop for your RV repairs during the claims process in Hawaii is typically at your discretion, but it’s essential to be aware of any policy guidelines or recommendations from your insurer.

15. Are there any discounts available on my deductible if I have a good driving record and history of not filing claims with my insurer in Hawaii?

In Hawaii, some insurance providers offer discounts on deductibles for RV owners who have a good driving record and a history of not filing claims with their insurer. These discounts are typically referred to as “claims-free discounts” or “accident forgiveness programs. If you have consistently maintained a clean driving record without any at-fault accidents or claims for a certain period of time, such as three to five years, you may be eligible for a reduced deductible. This can help lower your out-of-pocket expenses in the event of a claim. It’s essential to check with your insurance provider to see if they offer such discounts and inquire about the specific requirements and eligibility criteria for deductibles savings based on your good driving record.

16. What steps should I take if my dispute a decision made by the insurance company during the claims process in Hawaii?

If you wish to dispute a decision made by the insurance company during the claims process in Hawaii, there are several steps you can take to address the situation: 1. Review Your Policy: Firstly, carefully review your insurance policy to ensure that the decision made by the insurance company is in line with the terms and conditions outlined in the contract. 2. Contact the Insurance Company: Reach out to your insurance company to inquire about the reasoning behind their decision and request a detailed explanation of their findings. 3. Provide Additional Information: If you believe there was a misunderstanding or missing information that could impact the outcome of your claim, gather any relevant documentation and provide it to the insurance company for further review. 4. Consider Mediation: In Hawaii, you may consider seeking mediation services through the Department of Commerce and Consumer Affairs (DCCA) Insurance Division to help resolve the dispute in a more formalized setting. 5. File a Complaint: If you are unable to come to a resolution with your insurance company, you can file a complaint with the DCCA Insurance Division, which oversees insurance regulations and can investigate your dispute. 6. Consult with Legal Assistance: If the dispute remains unresolved and you believe your rights have been violated, consider seeking legal advice from a qualified attorney who specializes in insurance law to explore your options for further action. By following these steps, you can navigate the process of disputing a decision made by your insurance company during the claims process in Hawaii effectively and work towards a satisfactory resolution.

17. Do I need to carry any additional coverage, such as flood insurance, for my RV while in Hawaii?

Flood insurance is not typically included in standard RV insurance policies. However, it may be a wise consideration, especially if you plan to travel or stay in flood-prone areas like Hawaii. While Hawaii is known for its beautiful landscapes and beaches, it is also susceptible to flooding, particularly during the rainy season or tropical storms. In this case, carrying additional flood insurance for your RV can provide financial protection in the event of water damage from floods. It’s essential to review your current RV insurance policy to see if it includes flood coverage. If not, consider adding a separate flood insurance policy to safeguard your RV while in Hawaii. Consulting with an insurance agent specializing in RV coverage can provide tailored advice on the best options for protecting your vehicle in various locations and circumstances.

18. How are claims handled if my RV is damaged or stolen while parked at a campground or RV park in Hawaii?

When an RV is damaged or stolen while parked at a campground or RV park in Hawaii, the process of filing a claim may vary depending on your specific insurance policy. Here is how claims are typically handled in such a situation: 1. Contact your insurance provider: As soon as you discover the damage or theft, contact your RV insurance company to report the incident. They will guide you through the claims process and provide you with the necessary forms to fill out. 2. Documentation: Be prepared to provide detailed documentation of the incident, including photographs of the damage or theft, a police report if applicable, and any other relevant information requested by your insurance company. 3. Investigation: Your insurance company will conduct an investigation into the circumstances surrounding the damage or theft to determine the coverage and validity of your claim. 4. Repairs or reimbursement: Depending on the extent of the damage or if your RV is stolen, your insurance policy may cover the cost of repairs or replacement. Your insurance provider will work with you to facilitate the necessary repairs or reimbursement for the loss. It is crucial to review your RV insurance policy beforehand to understand what is covered and any specific provisions that may apply to incidents occurring at campgrounds or RV parks in Hawaii.

19. Are there any specific requirements for obtaining coverage for personal belongings stored in my RV during the claims process in Hawaii?

In Hawaii, there may be specific requirements for obtaining coverage for personal belongings stored in your RV during the claims process. Here are some key points to consider: 1. Documentation: It is essential to have proper documentation of the personal belongings stored in your RV. This can include inventory lists, photographs, receipts, and any other relevant documents to prove ownership and value. 2. Valuation: The insurance company may require an accurate valuation of the personal belongings to determine the coverage amount. Make sure to keep track of the value of each item, especially high-value items. 3. Storage Conditions: The insurance company may inquire about the conditions in which the personal belongings were stored in the RV. Any information regarding locks, alarms, or security measures can be crucial in the claims process. 4. Reporting: It is important to report any loss or damage to the personal belongings in a timely manner to the insurance company. Delaying the claim notification may affect the coverage provided. 5. Compliance with Policy Terms: Ensure that you are compliant with the terms and conditions of your RV insurance policy regarding coverage for personal belongings. Familiarize yourself with any exclusions or limitations that may apply. By understanding and meeting these specific requirements, you can navigate the claims process more effectively and increase the likelihood of a successful outcome for coverage of your personal belongings stored in your RV in Hawaii.

20. What recourse do I have if my insurance company denies my RV insurance claim in Hawaii?

If your RV insurance claim is denied by your insurance company in Hawaii, you have several recourse options to pursue: 1. Review Your Policy: The first step is to carefully review your RV insurance policy to understand the reasons for the denial. Make sure the denial is justified and complies with the terms and conditions of your policy. 2. Appeal the Decision: If you believe the denial was incorrect or unfair, you have the right to appeal the decision with your insurance company. Provide any additional information or documentation that supports your claim and explain why you believe the denial should be overturned. 3. Seek Legal Assistance: If your appeal is unsuccessful or you believe your insurance company is acting in bad faith, you may need to seek legal assistance. Consulting with an attorney who specializes in insurance law can help you understand your rights and options for taking further action. 4. File a Complaint: You can also file a complaint with the Hawaii Department of Commerce and Consumer Affairs Insurance Division if you believe your insurance company is not handling your claim properly. They may investigate the matter and help resolve the dispute. Remember to keep detailed records of all communications with your insurance company, including emails, letters, and phone calls. Being proactive and well-informed can increase your chances of a successful resolution to your denied RV insurance claim.

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Travel Consultants and Travel Tips

Are RVs Allowed In Hawaii (And Why Are There So Few)?

October 7, 2020 by Charlotte Phillips

Last updated on May 2nd, 2023 at 01:45 pm

All of our reviews are based on exhaustive research, industry experience, and whenever possible, hands-on testing. When you make a purchase using one of our chosen links we’ll a small percentage of the proceeds. This supports the site and keeps Jeffsetter running. You can read more here .

Hawaii is a dream location for many, and if you’ve always imagined driving your RV across the US from corner to corner, you may be wondering if it’s possible to take your rig to Hawaii. With golden sand beaches and turquoise waters, it’s no surprise Hawaii welcomes thousands of visitors each year. 

So, let’s find out if RVs are allowed in Hawaii!

While there’s no law against RVs in Hawaii, they’re rare to see, and with transportation costs being so high to take RVs over to Hawaiian islands, it’s unsurprising many RVers stick to mainland US. Finding campgrounds in Hawaii can be difficult, and it’s essential to adhere to rules and regulations when considering RVing in Hawaii.

It’s not impossible to RV around the enchanting Hawaiian islands , but it may be worth considering a rental RV option, in place of transporting your own rig across the water.

There are a number of reasons why Hawaii can be a tricky place for RVs, and considering every option is worth it if you want to wake up to stunning crystal waters and soft sand in a camper.

Are RVs Allowed In Hawaii?

There isn’t a law preventing RVs from being driven in Hawaii, and if you can ship your RV across to an island, you’ve tackled one of the biggest challenges when RVing in Hawaii.

Getting your rig across the water only conquers one challenge however, as when you reach the islands, you’ll then have to manage the difficulty of finding a suitable place to park your rig. 

Campgrounds and RV service points are not commonly seen on Hawaiian islands, and as it’s usually illegal to sleep in an RV, it may be more stressful than it’s worth.

There also tend to be strict rules to follow when parking your RV, so it’s worth researching ahead of time and having fallback options for your travels. 

It may be possible to camp in some parts of Hawaii such as specific beaches, but campers may be required to first obtain a permit.

Parking your RV in an appropriate place and tent camping overnight in suitable places may be an option worth considering. Although, it does mean you won’t have the luxuries of an RV overnight and will instead have to settle for a sleeping bag and flashlight!

Why Is Hawaii Hard For RVing?

There are several reasons why Hawaii can be hard for RVing, and the biggest challenge once transporting an RV over to the islands, is to find areas to safely sleep and rest in your rig.

Traveling to Hawaii in an RV is something that needs to be thought about carefully as costs are high and it isn’t the most RV-friendly part of the country.

1. It’s Difficult to Get an RV To Hawaii

Getting an RV to the island is definitely not cheap, with car shipment costing $1,000 to $1,500 and a thirty-foot RV weighing over 5,000 pounds is a lot more expensive.

Flying to Hawaii and renting an RV on an island is a far more cost-effective option, but you may find there aren’t any large RV rental options like your mighty rig at home. You’ll likely find converted vans and smaller camper options, than large, luxury RVs – just take a look at Outdoorsy .

2. Hawaiian Islands are Limited 

Part of the appeal of RVing is the freedom to choose your destination, and park with a different view every day if you fancy!

On an island, however, suddenly your home on wheels starts to seem a little unnecessary when you can drive across the entire Big Island in a day. All of the interstates, state highways, and secondary state highways only total 1,013 miles so you won’t need long to explore.

I’m sure many of you reading this have put in those kinds of miles in just a weekend, making the idea of shipping an RV to drive around 1,000 miles unnecessary for most.

If you’ve always dreamed about taking your RV to Hawaii but are put off by the expensive fees and limited travel, a rental camper might be an option well worth considering.

3. The Hawaiian Climate Can Be Challenging

The climate of Hawaii is partially harsh to RVs, with salty air and plenty of moisture from rain and humidity creating the perfect conditions for rust.

While some RV materials such as fiberglass, have a better chance of surviving, it’s impossible not to have some metal components that may be vulnerable to the Hawaiian climate.

If your heart is set on RVing in Hawaii, there are better times of the year to visit than others, and the below video is a great in-depth explanation of the best and worst times to visit.

Being prepared and knowing what to expect when you arrive in Hawaii means you’ll be far less likely to get caught out in heavy winds and downpours without a campground nearby for shelter. 

4. Lack of Campgrounds

While there are some amazing national parks and campgrounds in Hawaii, most are lacking the kind of RV hookups you’d expect to see on the mainland. This can make things a lot tougher when traveling around the islands in an RV.

Adding solar power to your RV can make things a lot easier as whenever the sun is shining, you can top your batteries up. 

5. Smaller Roads

Most roads in Hawaii aren’t built to handle larger vehicles, as there aren’t semi-trucks moving goods all around the island like there are on the mainland.

This hints that Hawaii’s roads and general infrastructure weren’t designed to handle large travel trailers or a big 30-foot rig! Smaller roads may make things tricky for RVs as there is inevitably less space to move around. 

Can You Live/Sleep In An RV In Hawaii?

Traveling around Hawaii in an RV is legal, however, problems tend to arise when it comes to living or sleeping in an RV . Sleeping in vehicles is generally not accepted in Hawaii and RVers are most definitely not allowed to rock up to a gorgeous beach and call a spot home for the night. 

Tent camping is better accepted, so it may be worth packing a small tent so you can sleep in peace and still have an authentic experience in Hawaii. There are campgrounds and designated camp spots, and these are the places you’ll want to be heading to at night in your RV.

What Are Hawaii RV Laws?

The laws in Hawaii for living or sleeping in a vehicle are very clear and state neither action is tolerated on the islands. Although this can make things hard for RVers, there are designated places to park your camper such as permit-run sites where you can park for the night.

Between the hours of 6 pm and 6 am, sleeping in a vehicle is not permitted, unless the vehicle and owner have been given permission to park on land, or are parked in an appropriate location such as a campground.

Where Can You Park An RV In Hawaii?

If you’ve been on many adventures in your RV , the chances are you’ve used a campground or two, and made the most of the hot showers, electric hookups, waste facilities, and more. Campgrounds in Hawaii, however, are not often fully serviced like the RV parks you may be used to, and won’t usually have amenities to readily use. 

Camping at most Hawaiian campgrounds will first require RVers to get a permit online providing permission to stay on the land. The RV areas you’ll likely come across in Hawaii are very basic, and provide more of a place to safely stay, than somewhere to charge up batteries, do laundry, and empty gray and black waste . 

Are There RV Parks In Hawaii?

RV parks in Hawaii are few and far between, but it’s possible to stay at a private campground, or state site, or obtain a permit to park your RV at a government-run campground.

Spaces at these campgrounds are limited, and if you’re traveling around Hawaii at the height of peak season, be prepared to head to these spots early to secure your space for a few days. 

Closing Thoughts

While there aren’t any specific rules that prevent you from RVing on Hawaiian islands, it isn’t a low-cost travel option and requires a lot of thought due to impracticalities.

Renting an RV is a far better choice if you want to travel around Hawaii in a temporary home on wheels, although it still may be challenging to find suitable places to park and sleep.

It may be worth having a break from the wheel and exploring Hawaii outside an RV for an easier trip!

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National Insurance Company Directory

Best Hawaii Insurance Companies for Travel Trailer

Find an insurance company that fits your needs and connect with one of their agents.

At Progressive, protecting what matters to you, matters to us. Progressive has grown into the #1 personal auto insurer through independent agents by delivering quality, affordable coverag...