Do You Need Insurance For a Travel Trailer in California? #1

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Did you know that travel trailers are among recreational vehicles owned by 1 million Californians? Shocking right?

Over 25% of these vehicles encounter RV-related incidents like water damage and fender bender damage. Many still ask “Do I need insurance for a travel trailer in California?”

The answer remains, Yes! Even for towed trailers, California requires travel trailer insurance. In this article, we will examine the insurance requirements for travel trailers as well as the important advantages of having the proper coverage above and beyond what is required.

In addition, we will provide some helpful tips that would make your car transition seamless.

Can’t wait?

Let’s get started!

Do You Need Insurance For a Travel Trailer in California?

Definitely, Yes. Insurance is one of the legal requirements for owning a travel trailer in the state of California.

It might interest you to know that according to the Insurance Information Institute, the average insurance claim for travel trailers in California is $7,500. This is a lot higher than the national average which stands at $5,500.

So you need insurance for your travel trailer in California a lot more than you actually think. Fortunately, this article has brought together all the information necessary for you to adequately understand insurance for travel trailers in California, and how to go about it.

Requirements For Travel Trailer Insurance in California

You already know that you are legally required to obtain insurance coverage for your travel trailer in California.

So let’s quickly check out more requirements for travel trailer insurance in California that you might be interested in:

  • All trailers with a gross weight of over 15,000 pounds must have a special endorsement on their insurance policy.
  • The minimum liability coverage requirement is $15,000.
Do You Need Insurance For a Travel Trailer in California? - Get The Best
A Travel Trailer

Average Cost of Insurance For Travel Trailers in California

Numerous factors affect the cost of travel trailer insurance in the state of California. Your price varies depending on; your trailer type, the type of plan you choose, and your driving record. However, this can still serve as a guide to knowing the cost:

  • Liability coverage is between $100-$200 per year.
  • Comprehensive coverage can range from $200-$400 per year.
  • Collision coverage can cost between $100-$300 per year.

Types Of Insurance Coverage For Travel Trailers

Now that you’re on board, here are the types of insurance available for your travel trailer in California:

  • Liability Coverage
  • Comprehensive Coverage
  • Collision Coverage

#1. Liability Coverage:

In the state of California, you are required to have at least $15,000 in liability coverage. This ensures that in the case of an accident that involves your travel trailer, the other driver and property are protected.

#2. Comprehensive Coverage:

It is necessary to get this coverage because California is especially prone to natural disasters, auto thefts, and even vandalism. A comprehensive coverage ensures your protection and that of your tour travel trailer always.

#3. Collision Coverage:

As the name implies, it is coverage for your travel trailer if it collides with anything. Collisions are also common to travel trailers, so it is an important coverage to have. You should note that collision coverages often come with deductibles.

Some Special Insurance Plans Packages In California For Your Travel Trailer

You Need More For Your Travel Trailer!

Travel trailers serve as specific things in specific time frames to their owners and you must get insurance packages that would cover adequately at any point of damage.

The truth about your travel trailer is that regular insurance cannot cover it adequately because it is not like a regular automobile, and you can’t call it home either.

There are specific insurance plan packages that could be found in different insurance companies or even created to fit your specific travel trailer needs. Some of them include:

  • 24/7 Roadside Assistance:

This covers such things as flat tires, vehicle breakdowns, and all other things that you might need a mechanic for while on the road. If you live in a city like California, it is important to have this coverage

  • Full-Timer Coverage:

This coverage puts everything into one package. It includes liability coverage and also covers your personal belongings. Having this type of coverage helps you shoulder the high-cost of living in California.

  • Emergency Expenses Coverage:

This provides coverage for you if you are in a tight spot. You might have to stop movement due to bad weather, or vehicle breakdown. With this coverage, you could get feeding and lodging before you continue your trip.

  • Low-Branch Collision:

California has a high number of trees and power lines. If you encounter any danger while parked under a tree, this insurance provides coverage for all the damages.

  • Accessories Coverage:

This covers your personal belongings like electronics, furniture, and appliances. If any of these get stolen, you could easily have it replaced with this insurance.

  • Total Loss Replacement:

With this coverage, you can have your travel trailer replaced if anything goes wrong. Usually, this is not the case as you are expected to receive only the cash value of your travel trailer which may not be enough to acquire a replacement.

The list is just to give you an idea. Discuss with your provider and find out the kind of plan that could be packaged for you!

How Does Trailer Insurance Help Me In California?

Travel trailer insurance is not just about bills. Here are a few ways trailer insurance works to your advantage in the state of California:

  • It protects you in the case of an accident. You may not think it possible but statistics show that about 1 in 10 travel trailer insurance claims in California are related to colissions.
  • Depending on your plan policy, you could get coverage for issues like flat tires, lodging, food, and medications. All these help to make your road experience a fulfilled one.
  • You probably didn’t know that California has a high rate of auto theft. Statistics show that at least 1 in every 10 travel trailer insurance claims is due to theft. Trailer insurance safeguards you from this kind of loss.
  • California is prone to natural disasters like earthquakes, fire outbreaks, etc. You also need trailer insurance to protect you if such an occurrence affects your travel trailer.

Companies That Offer Travel Trailer Insurance in California

If you have decided to get travel trailer insurance, it is best to get it from the right source. Here’s a list of some top-rated companies in California that offer travel trailer insurance, and their plan advantages.

#1. Progressive:

This is one of the biggest trailer insurance providers in California. They offer a wide range of coverage options for trailer insurance, which include unique features like discounts for multi-policy,multi-vehicle policies, and multi-trailer policies. In addition, they have discounts for safe drivers.

They have offices in Los Angeles, Sacramento, and San Diego. Progressive also offers online quotes and 24/7 customer services so you can get all the information you need without visiting a physical office. The best part is, that their website is easy to navigate!

#2. State Farm:

State Farm ranks among the best insurance coverage providers in California. They have a unique comprehensive trailer replacement coverage, that can get your trailer replaced once it is damaged beyond repair.

State Farm has a lot of agent locations all over California, including offices in the major cities in the state. So you don’t have to worry about how to find an agent in your area. They also offer discounts for good drivers, safe driving courses, and multiple policies.

#3. Allstate:

Allstate also offers a variety of coverage options, including roadside assistance and comprehensive coverage for travel trailers. The company also offers a program called Good Sam Emergency Roadside Assistance, which provides 24/7 assistance for travel trailer breakdowns.

It has a network of approved repair facilities that can help you get your travel trailer repaired quickly and efficiently.

#4. GEICO:

Although not as popular as the rest, this company offers good services for travel trailer insurance. GEICO offers a mobile app that makes it easy to file a claim and track the status of your claim. The company also has a rewards program that allows you to earn discounts on your policy

The company has about 30 offices in California, including locations in Los Angeles, San Francisco, San Diego, and Sacramento.

How To Get The Best Out Of Your Travel Trailer Insurance

  • Know What You Want: It is important to know what you are looking to cover and how much coverage you want for it. This will guide you in choosing a plan that is an adequate fit.
  • Understand Your Insurance Plan Details: A good knowledge of different insurance plans also does you a lot of good. It will help you know the options available to you and help you decide.
  • Consider Out-of-Pocket Costs: Take careful consideration of the out-of-pocket cost of any insurance plan you’re interested in. This will help you know whether it truly benefits you or not.
  • Register With A Good Company: A good insurance company is key to getting good insurance. Check the company’s reputation and review online before making a choice.

Frequently Asked Questions

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Important Recommendations


If you own a travel trailer in California, then you will be doing yourself a world of good by getting insurance coverage. Understand what you want from your coverage before you pay for a plan.

Also, remember that your insurance company can create a plan that will fit your requirements, so don’t be forced to take a plan that doesn’t satisfy you.

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