Do I Need RV Insurance in Utah?

If you own or drive an RV in Utah, then you are required to have insurance. Utah requires that RV owners carry the below minimum insurance requirements:

  • $25,000 per person for bodily injury liability
  • $65,000 for two or more persons for bodily injury liability
  • $15,000 for property damage liability

Given that these minimums are the same for general auto insurance, most RV owners will want to purchase additional coverage given the expected damage that an RV could cause in an accident. Utah RV insurance policies typically include coverage for liability, comprehensive, and collision with the latter two having a deductible associated with them that must be exhausted before your insurance benefits kick in. Additionally, you’ll have the ability to customize your RV insurance with optional coverages for things like vacation or campsite liability, emergency expense coverage, and roadside assistance. 

The cost of RV insurance varies greatly depending on your driving record, demographics, and location. Additionally, the type, class, make, and model of your RV dictate the premium cost. Since an accident involving an RV is likely to cause more damage than a vehicle accident, you can expect RV insurance to cost more than your auto policy. 

For more information on RV insurance and to purchase a policy, let the team at M8 Insurance in Salt Lake City, UT earn your business. With our commitment to putting our customers first, we strive to deliver excellent service with transparent conversation. Give us a call today or visit our website to schedule a no obligation consultation with a member of our team. We can’t wait to help you with all your RV insurance needs.