Get Louisiana RV Insurance that Covers the Roads, the Weather, and How You Travel

Louisiana requires 15/30/25 liability coverage for all motorized RVs; the same minimums apply to regular cars. That's $15,000 per person for bodily injuries, $30,000 per accident, and $25,000 for property damage. If you're towing a travel trailer, Louisiana doesn't require a separate policy for the trailer itself, but your auto liability coverage won't pay for damage to the trailer. For that, you'll need comprehensive and collision coverage.

Roamly insures the full range of Louisiana RV owners: weekend warriors running down to Grand Isle, full-timers living on the road year-round, DIY van builders, and rental hosts listing their rigs on Outdoorsy or RVshare. If your RV is your home, your hobby, or your side hustle, we've got coverage built around how you use it.

Louisiana RV insurance costs vary by rig type, usage, and your driving record. Most part-time RVers pay between $500 and $1,500 per year, while full-timers typically pay $1,200 to $3,500 annually. Estimates vary by rig type, ZIP code, and usage. Roamly customers save up to 35% on RV insurance compared to other providers because we specialize in recreational vehicles and shop multiple carriers to find the best rate for your specific setup.

Who We Insure

Roamly covers the full range of Louisiana RV owners:

• Full-Time RVers: Whether you're parked long-term in a Louisiana campground or constantly on the road, we offer full-timers' coverage that works like a homeowners policy for your rig.

• Weekend warriors: If you're pulling out the fifth wheel a few times a year for crawfish season or a Gulf Coast trip, our part-time coverage keeps costs down without leaving you exposed.

• DIY builds and van conversions: Built out a Sprinter or converted a cargo van? We cover custom builds for what they're really worth.

• RV rental hosts: Listing your rig on Outdoorsy or RVshare? Roamly policyholders can rent out their RVs without voiding their coverage. Most insurers won't allow it. We do.

What are the Minimum RV Insurance Requirements in Louisiana?

Louisiana requires liability insurance for all motorized RVs (motorhomes, Class A/B/C) with the following minimums:

• $15,000 for bodily injury per person

• $30,000 for bodily injury per accident

• $25,000 for property damage per accident

These RV insurance requirements in Louisiana are the legal floor, not a full protection plan. Travel trailers don't require their own separate liability policy, but your tow vehicle's coverage won't pay to repair or replace the trailer if it's damaged.

Louisiana sits squarely in hurricane country, and flooding is a serious, recurring risk across much of the state. A single storm can total a Class A motorhome or fill a travel trailer with several feet of water. If you're storing, traveling, or parked along the Gulf Coast or in a low-lying parish between June and November, comprehensive coverage is your best option.

How Much Does RV Insurance Cost in Louisiana?

Louisiana RV insurance cost depends on your rig type, how often you use it, and your driving history. Here's what most Louisiana RVers pay:

• Part-Time RVers: $500 to $1,500 per year

• Full-Time RVers: $1,200 to $3,500 per year

• Liability-Only (minimum): $125 to $400 per year

Estimates vary by rig type, ZIP code, and usage. Class A motorhomes typically cost more to insure than Class B or C rigs because of their size and replacement value. Where you store and travel in Louisiana also affects your rate. Coastal and low-elevation parishes carry a higher risk for flood and hurricane damage, which can push comprehensive premiums higher.

Roamly customers save up to 35% on RV insurance compared to other providers. We focus exclusively on recreational vehicles and shop multiple carriers, which means we're not applying car insurance logic to a 40-foot diesel pusher.

Coverage Options for Part-Time and Full-Time Louisiana RVers

Whether you use your RV for occasional getaways or live in it year-round, you can customize coverage to fit your needs.

Part-Time / Weekend use coverage:

• Liability coverage: Required by Louisiana law. Pays for injuries and property damage you cause to others on the road.

• Collision coverage: Repairs your RV after an accident, regardless of who is at fault.

• Comprehensive coverage: Covers theft, fire, hurricane damage, flooding, vandalism, and hail. In Louisiana, this one earns its keep.

• Uninsured/Underinsured motorist: Protects you if you're hit by a driver without adequate insurance.

• Medical payments coverage: Pays medical bills for you and your passengers after an accident, regardless of fault.

• Roadside assistance: Towing, tire changes, jump starts. RVs need specialized service, and you don't want to be stuck on I-10 with a regular tow truck that can't handle a Class C.

• Vacation liability: Coverage for incidents at your campsite when your rig is parked, and you're set up for the night.

Full-Time / Live-in coverage:

Everything above, plus protections designed for RVers whose rig is their primary residence:

• Full-Timer's liability: Similar to homeowners' liability. Covers you when your RV is parked and used as a home.

• Personal property coverage: Protects your belongings inside the RV up to your policy limit.

• Scheduled personal property: Higher limits for expensive gear, electronics, or equipment.

• Loss assessment coverage: Pays fees if you damage shared property at an RV park or campground community.

• Emergency expense coverage: Reimburses lodging and transportation (up to $7,500) if your RV is disabled due to a covered loss.

• Adjacent structures coverage: Protects attached structures like awnings and satellite dishes.

• Diminishing deductibles: Your deductible drops for every claim-free year you log.