time icon 9 min read update icon Sept. 20, 2019
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GEICO Insurance has dedicated RV specialists, along with 24/7 account access online, to save you money and keep you protected out on the road.  

GEICO Insurance, founded in 1936 and a subsidiary of Berkshire Hathaway, Inc. since 1996,  is the 2nd largest auto insurer in the United States.  Although their main focus in on traditional auto coverage, GEICO has established a department of dedicated RV specialists to handle questions regarding the RV coverage options.  The RV policies mimic the traditional auto policies in many ways and are written for 6-month terms which can be paid in full or through installment plans.  

The Enhanced RV coverage is available in most states and includes Vacation Liability, Personal Effects coverage, Emergency Expenses, and a Special Windshield Deductible to fully protect you while out on the road.  Policyholders can also select Total Loss Replacement coverage, although the payout time frames are shorter than other providers offering this level of coverage.  

As a leader in providing quotes and coverage over the phone and online, GEICO has enabled RV owners to fully manage their accounts while traveling anywhere across the country through the company website and mobile app.  

Committed to providing the best rates possible, GEICO offers a wide range of discounts.  Active and retired federal government employees and military personnel are eligible for special savings, in addition to the standard discounts.  GEICO also rewards policyholders over the age of 50 through PrimeTime contracts which include reduced rates and guaranteed renewal for as long as the member meets the safe driving requirements.   

Contact a dedicated RV specialist or request a quote online to see how GEICO can help you stay covered while saving money.

Grandfolk Scoring
Price 9/10
Customer Service 10/10
Levels of Coverage 8/10
Mexico Coverage 6/10
Discounts 10/10
Storage Discount 6/10
Vehicle Type Coverage 8/10
Personal Effects Coverage 10/10
Annual premiums
Based on a number of factors regarding driver, vehicle, and add on coverage. GEICO policies have 6 month effective terms
Customer Service
Service availability
24/7 customer support phone, Reduced hours for dedicated RV specialists, Online access to account via website and mobile app
Levels of Coverage
Standard coverage
Enhanced RV coverage with option to increase coverage limits. Not available in all states.
Mexico Coverage
Coverage in Mexico
Discount program availability
Safe drivers, defensive driver courses, multi-vehicle, commercial license, active or retired federal government and military employee. PrimeTime rate and renewal for drivers over 50.
Storage Discount
Reduced premiums for low use
Vehicle Type Coverage
Coverage for RVs and trailers
All vehicle types covered.
Personal Effects Coverage
Non-permanently attached item coverage
$1,000 to $5,000 limits come standard with option to increase to $100,000 limit
Age Score:
50-64 Years
65-74 Years
75-84 Years

Geico is a leader in providing quotes and insurance policies online and over the phone.  For those who want more of a hands-on experience, local agents are available to sit down and discuss coverage options with potential customers.  However, it is not guaranteed that the local agent will have a solid understanding of the needs of the RV community.  GEICO recently created a dedicated team of representatives for the RV policy line who are available by phone and email.  This customer support setup has pros and cons for both the younger, more internet focused audience and the older customer base who prefers in-person contact.  

The Geico website and mobile app are both streamlined to prevent confusion when searching for information.  Members can pay bills, submit claims, change coverage, or even request roadside assistance online.  

Geico is dedicated to saving members money and finding the best rates possible.  Active and retired employees of the federal government and military are eligible for special discounts.  GEICO has also established a PrimeTime contract which provides reduced rates and renewal guarantees for qualified drivers over the age of 50.  While their main focus remains on standard auto policies, GEICO has created RV coverage that favors young, active retirees who are spend a large amount of time exploring the open road.

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As health becomes an issue, RV owners will likely spend less time on the road and will want to be closer to family, friends, and care providers. Full time RV users may either choose to use the vehicle as a primary residence or store the vehicle for longer periods of time. Unfortunately, GEICO does not appear to have a storage discount on premiums or reduced rates for those who use their RV for occasional travel. The coverage is more suited for an active and mobile population who will make the most of their time on the road.


  • Insurance for all your vehicles.  With GEICO you can insure all of your vehicles, as well as your home, with one company but still have the knowledge of dedicated RV specialists.

  • Multiple ways to manage account.  Meet with a local agent when at home and pay bills, change coverage, or submit claims via phone, website or mobile app when out on the road.  

  • Discounts and reduced rate are available for safe drivers, taking defensive driver courses, having a commercial license, and being an active or retired federal government or military employee.

  • PrimeTime

  • Total Loss Replacement option available to replace a newer model RV that has been destroyed.  

  • Personal Effects coverage of $1,000 to $5,000 standard with the option to increase up to a $100,000 limit.

  • Special Windshield Deductible coverage reduces the cost of windshield repair to $0 and windshield replacement to $50.

Vacation Liability Coverage with a $10,000 limit comes standard with all Comprehensive and Collision coverage for RVs.


  • Shorter terms for Total Loss Replacement.  GEICO will only replace a destroyed covered RV with a comparable model in model years 1-4.  Payout in years 5-7 will be the larger amount between actual value and purchase price without considering modifications.  

  • They do not mention storage discounts for RV users who only use their vehicle for weekend, seasonal, or vacation travel.  The policies appear to be designed more for full time and frequent RV users.

  • Coverage is not available in all states.  Hawaii, Massachusetts, Michigan, North Carolina, and New Hampshire are excluded from enhanced RV coverage.  Talk to a representative to determine the level of coverage available in your area.

Bottom Line:

While GEICO is focused on their standard auto coverage, they have been insuring RVs for over thirty years.  In order to cater to the specific needs and priorities of the RV community, GEICO has recently set up a department of dedicated RV agents to provide expert advice when selecting coverage.  This allows members to benefit from insuring all of their vehicles through one company and the accompanying multiple vehicle policy discounts without sacrificing the knowledge of agents specializing in RV coverage.  

GEICO takes pride in providing numerous discounts and saving members money.  The standard safe driver, multiple vehicle policy, and defensive driver course discounts are joined by reduced rates for active and retired federal government and military personnel and the PrimeTime rate and renewal plan for drivers over the age of 50.  

However, potential customers should weigh these discounts against the terms and conditions.  Remember that GEICO builds their rates on a 6 month term when comparing to competitor rates.  Also, note that Total Loss Replacement benefit fully replaces with a new, comparable vehicle in model years 1-4 while other providers cover the 5th model year.   

GEICO RV Insurance covers a wide variety of campers, trailers, RVs, motorhomes, and toy haulers for off-road vehicles.  Unfortunately, the Enhanced RV coverage is not available in Hawaii, Massachusetts, Michigan, North Carolina, and New Hampshire.  Contact a GEICO RV agent to discuss the coverage available in your area.    

Rated as A with the BBB, GEICO provides 24/7 customer support.  Members can also manage their accounts by phone, website, or mobile app.  Local agents are also available to discuss coverage options and answer questions.

We highly recommend GEICO as an insurance provider for the active RV community looking to save on their premiums and insure multiple vehicles with one company.  

Frequently Asked Questions:

How can I reduce my insurance premium payments?

GEICO provides discounts for safe drivers, taking defensive driving courses, policies for multiple vehicles, and having a commercial drivers license.  Also available are special discounts and premium reductions for active and retired federal government and military personnel as well as employee discounts for over 800 companies.  GEICO’s PrimeTime contract provides reduced rates and guaranteed policy renewal for qualified policyholders over the age of 50.  

Does my policy cover damage or loss of my belongings in the RV?

GEICO includes a $1,000 or $5,000 limit Personal Effects coverage as a standard part of the Enhanced RV coverage.  Higher value coverage can be added to a policy up to a $100,000.  Make a list of the belongings that you travel with on a routine basis to determine the coverage level that would best fit your need.    

Am I covered for travel in Mexico?

Similar to most US RV insurance providers, GEICO RV policies do not meet the requirements for coverage in Mexico.  If you plan on traveling into Mexico, please contact a GEICO representative prior to your trip and they will assist you in obtaining the correct liability, comprehensive and collision coverage through a licensed Mexican insurance provider.

More Information:

Product Details

As with all insurance coverage, the pricing for a RV insurance policy is determined by the provider and based on a variety of factors including: age of the driver(s), accident history, vehicle make/model/age, and frequency of use.  Premiums can also be affected by the state where the vehicle is registered and the corresponding minimum coverage requirements.  Policyholders often don’t realize that education and credit score can also impact the overall cost of premiums.  Contacting a representative or requesting an online quote can give you a more accurate picture of the total cost.


Package Details:

Enhanced RV Coverage

  • Bodily Injury and Property Damage

  • Coverage against Uninsured and Underinsured Motorists

  • Medical Coverage

  • Comprehensive and Collision Coverage

  • 24 Hour Emergency Roadside Assistance

  • Vacation Liability: standard with comprehensive and collision

  • Emergency Expenses

  • Personal Effects: $1,000 to $5,000 standard with comprehensive and collision

  • Windshield Deductible: repairs at no cost, replacement for $50


Specialty Coverage:

  • Add On Plans
  • Full Time RV coverage

  • Total Loss Replacement

  • High Value Personal Effects: option to increase limit to $100,000

  • Toy hauler coverage


Additional Company Details  

Contract Details:

Similar to standard auto coverage, GEICO RV policies are written for an effective term of 6 months and renew on a biannual basis.  Premiums can be paid in full or across 2-6 installments based on policyholder preference and whether the policy is new or a renewal  Installment plans also vary by state and must be paid in full in Florida.  


  • Among the top 10 for RV Insurance by Consumer Affairs
  • Rated as A by the BBB (not accredited)


Company Details:

GEICO Insurance, founded in 1936 by husband and wife team of Leo and Lillian Goodwin, was established to provide coverage to government employees and select divisions of enlisted military officers.  In fact, GEICO stands for the Government Employee Insurance Company.  The Goodwins, and successor Lorimer Davidson, were able to locate investors and create a solid financial foundation for the company that would eventually support nationwide expansion and attract the attention of Warren Buffett.

Buffett first purchased GEICO stock while still at Columbia Business School in 1951.  However, in 1996, Buffett bought out a majority of the shares and GEICO became a subsidiary of his investment firm, Berkshire Hathaway, Inc.

Memorable marketing campaigns have helped GEICO, rated A by the BBB, become a household name and the second largest auto insurer in the United States.  While there is a focus on traditional auto policies, GEICO now offers a wide range of property, commercial, and recreational vehicle coverage.



One GEICO Center
Macon, GA 31295-0001
Tel: (877) GEICO-RV (434-2678)
Online Question Submission:

Susan Adams - Senior Advisor

Susan is senior researcher with Grandfolk® providing in-depth product and service reviews to empower senior buying decisions.