Allstate RV Insurance Review: Is it Any Good?

“Allstate. You´re in Good Hands®”

Hitting the open road with an RV gives you the freedom to travel in comfort. They can provide power and water, off the ground shelter, multiple storage spaces, beds, living quarters, air conditioning, room to accommodate a small group of friends and family, to full bathrooms and island kitchens!

Like your automobile, RV’s also require a certain amount of Insurance coverage in case the inevitable happens.

Allstate is an Insurance Company that is on the New York Stock Exchange [NYSE: ALL]. They were founded in 1931 and their headquarters are located in Northfield Township, Illinois, and provide coverage on three continents.

They have an A+ score with the Better Business Bureau.  Allstate has three optional RV Insurance packages at competitive pricing and claims to provide the best coverage to fit your needs, requirements, and budget. Among RV Insurance, they also Insure Automobiles, Home, Renters, Condo’s, Motorcycles, Businesses, Life, Boat, Snowmobiles, ATVs, Pets, Retirement Investments, Identity Theft Protection, Events, Roadside, Off-road Vehicles, Landlords, and Voluntary Employee Benefits.

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Allstate’s Pricing Packages:

1. Membership Plans: $79.00 for the first year.

Cost Includes:

  • Coverage wherever you are
  • 24/7
  • National Network of Providers
  • Mobile Access
  • Towing & Roadside Services
  • No Allstate Policy Required
  • Exclusive Savings & Service
  • Family Plan

2. Pay Per Use: $119.00 per Tow (one-time payment at the time of need)

Cost Includes:

  • 24/7
  • National Network of Providers
  • Mobile Access
  • Towing & Roadside Services
  • No Allstate Policy Required

3. Insurance Add-On Coverage: $25.00 vehicle (Add to your existing car insurance policy)

  • 24/7
  • National Network of Providers
  • Mobile Access
  • Towing & Roadside Services

These packages include 24/7 Roadside Assistance consist of:

  • Towing
  • Jumpstart
  • Flat tire
  • Lock-out
  • Fuel delivery 
  • A lost and stolen key

Allstates Features and Benefits


  • Computer Online access and Mobile App to review policy, pay bills, submit and monitor claims.
  • Gas Price Locator -find the cheapest spots to fill-up your RV.
  • Pay Per Use.
  • Claim Forgiveness, which means your premium will not increase each time you make a claim.
  • Disappearing Deductible, which means that each term your deductible will decrease when you don’t make a claim.


  • 24/7 service.
  • A variety of Discount pricing provided.
  • Response time is 30 mins on average with most types of service calls.
  • Coverage in Canada, US Virgin Islands, Puerto Rico.
  • As a member, you receive savings on rental cars, restaurants, entertainment.

Allstate Pros


  • RV Insurance can be lowered further if you bundle with other items that you have insurance on, for example, a home, a car, and so on.
  • Discount prices are offered if you transfer from another insurance company to Allstate.
  • If you are 55 and retired, who are not actively seeking full-time work, can also save.

A policy that fits your needs

Whether you park your RV at a destination point or are constantly traveling with your RV, Allstate will make your policy fit the appropriate coverage you need.

Additional Options

  • You are given options to add: collision, comprehensive, contents, guaranteed replacement, alternative transportation, and a family protection endorsement.
  • The extensive roadside assistance program.

Allstate Cons

  • Some customers have claimed of occasional premium increases
  • High Rates


The Allstate homepage discusses the Agents that help customers not just with insurance needs but also give their time, support, and money to their community.  When you click on the “In our communities” tab you will see the Agent’s profile picture, their name, location, and project title, as well as a quote about who they are and what they do for the community. 

“Hilo is a very close, family-style community and it’s important for me to do my part to help make this place great.”
Kristopher Speegle
Hilo, HI

“I want to make a difference for local children and families. The tasks change but the mission is always the same.”
Jo Snider
Monroeville, PA
Community Foundation of Westmoreland County

“As a cancer survivor, I am driven to make an impact in people’s lives and be a positive source for good.”
Joe Schneider
Chicago, IL
Leukemia and Lymphoma Society

How to Apply for RV Insurance

You can apply online, have an agent contact you, or call an agent to discuss your options. You will need to provide your full name, social security number, phone number, address, and any other questions to help them confirm your identity and your credit. This will in turn give them the ability to get an accurate quote to you that meets your specific needs.

Checklist of things to be prepared for when getting an RV Insurance Quote

Allstate will require certain information from you to help quote a Policy that fits for you.

The information they will need is, but not restricted to, the following:

  • RV Model
  • RV Type
  • RV Age
  • RV Purpose – recreational or full-time
  • Your Full Name, Address
  • Your Gender, Age, Marital Status
  • Social Insurance Number (Canadian), Social Security Number (US)
  • Your Driving Record History and Credit Score
  • Where the RV will be stored

The information you should ask to determine whether you will use them or not:

  • What is their basic comprehensive package offers based on your specific needs?
  • How do their payment options work and when is payment due?
  • How soon does coverage start?
  • What optional packages could they offer to help lower the cost to fit your budget?
  • Make sure they quote insurance to sufficiently cover contents too, like; computer, television, jewelry, appliances, clothing, tools, etc.
  • How much will the insurance cover? Fair Market Value (FMV) or Full Purchased Cost. This is something you need to clarify and in writing!
  • If you are homeless while on the road due to RV repair issues, will the insurance company cover living expenses until the RV is back in order, and if so how much?

Before contacting them, know ahead of time what your budget is. When they provide a quote based on the information they have collected from you, then you will be prepared for price and package negotiations.

Allstate Client Feedback

According to Consumer Affairs “Many customers are satisfied with Its auto claims servicing. It carries a range of coverage options and discounts.”

Customer Care Resolution

Allstate provides a Customer Care Resolution webpage to help their customers resolve any issues they may have with their service:

They want their customers to rest assure that they are accessible, whenever needed. They are committed to resolving customer complaints in a timely manner.

If you, for whatever reason, they have failed you and you are unsatisfied with the results, then they have made extra steps available to you so they can make it right for you.

Step 1:

Speak with your claims advisor – they provide a list of phone numbers to call that are in your location

Step 2:

Request to speak with a claims manager – if your claim advisor has not satisfied the problem for you then contact their manager. A list of claim manager phone numbers are provided on their webpage that is in your location

Step 3:

Contact the Ombudsman- if you are unsatisfied still with the claims manager then contact the Ombudsman. This person will be impartial to the situation and will help resolve the issue between you and the area the concern resides.

Step 4:

If you are still not satisfied with the resolution from the Ombudsman, then Allstate provides a phone number and website to an independent dispute resolution service called General Insurance OmbudService to help you will your complaint.


Is RV Insurance less expensive than Automobile Insurance?
Yes, on average, RV Insurance is less because Insurance companies find less risk associated with an RV.

What is the average cost of RV Insurance?
Many factors go into the calculation of your RV Insurance like your Age, Driving Record, RV type, frequency of use, and so on… so what Insurance your neighbor gets may not be what you get. Premiums range from $200 up to $3,000.

Who created the Slogan, You’re in Good Hands with Allstate?
Back in 1950, an Allstate General Sales Manager named Davis W. Ellis, created the slogan. He was inspired by the logo when his daughter was admitted to the hospital and during the visit, his wife reassured that their daughter was in good hands. This statement inspired the slogan to emphasize Allstate’s customer loyalty.

Alternatives to Allstate


  • Headquarters: Mayfield Vig, OH
  • not Accredited
  • Business started: 1937
  • BBB Rating A+
  • Exclusive to the US
  • Various options that can be customized to your needs
  • They provide assistance for towing, fuel delivery, mechanical breakdown service, flat and blown tire service, lockout and battery replacement

Read Our Full Review Here!


  • Headquarters: Boston, MA
  • not Accredited
  • Business started: 1912
  • BBB Rating A+
  • Consumer Affair Ratings
  • best for customer service to help you “save money on coverage”
  • They provide discounts if you get a quote ahead of time, take an accident prevention course, install an anti-theft device, and store your RV during the winter


  • Headquarters: Columbus, OH
  • Accredited since: 1955
  • Business started: 1926
  • BBB Rating: A+
  • provides multiple discounts
  • insures RVs, motorhomes, travel trailers pop-up trailers, campers
  • Basic RV Coverage- bodily injury liability, property damage liability, collision, comprehensive, uninsured motorists, underinsured motorists, medical payments
  • They have a Nationwide Mobile App for iPhones and iPads
  • Claims and payments can be done online

Good Sam

  • Headquarters: Englewood, CO
  • Accredited since: 2010
  • Business started: 1993
  • BBB Rating A+
  • Broken down RVs will be towed to an RV or repair station with no restrictions on distance
  • They provide discount options, emergency lockout, jump start service and fuel delivery (minimum 5 gallons)

National General

  • Headquarters: Winston Salem, NC
  • Accredited since: 1960
  • Business started: 1920
  • BBB Rating: A+
  • Consumer Affairs Rating
  • * Bought-out by Allstate for $4 Billion in cash in 2020


  • Headquarters: Chevy Chase, MD
  • Not accredited
  • Business started: 1939
  • BBB Rating A+
  • Consumer Affairs Rating
  • Sales and Service Agents are available 24/7
  • They provide insurance for motorized RVs, Towable RVs, Travel Trailers, and toy-haulers



What to look for when buying Insurance:

Don’t rush into insurance.

  • Contact various RV Insurance providers and get quotes based on your needs. Ask them what discounts they offer too and how much insurance would be if you packaged your home, car, and other insurable items with the RV Insurance. Then compare each RV company to get the best price.
  • Next check out RV Insurance reviews that include customer service and customer satisfaction because best price doesn’t mean the best service.

A humorous Commercial Advertisement starring Dennis Haysbert. He’s an actor in movies and tv shows are reminded of his connection to Allstate while doing other filming work 🙂

Final Thoughts

Allstate proudly announces that “Your in Good Hands®” with Allstate. They substantiate this slogan with community service, the length of time they have been around, discounts and package deals to fit your budget, taking the extra mile to ensure customer satisfaction resolutions, and their recent business acquisition by buying out their competitor for $4 billion “in cash” which is a big sign saying they are going strong. They have a Global foothold that resides in 3 continents by having locations within the USA, Canada, United Kingdom, and India.

They promote the caring of people and the world. Proudly enough to dedicate a page to their Agents showcasing how they too give back to the community by creating new ways to protect what you own and love, by encouraging teens to avoid texting and driving, and instead make the world a better and safer place, by planting trees, in local communities, to name a few. 

Allstate is an affordable solution if you are needing insurance for a short time without making a longer payment on an RV you may only use once that year. They work with their customers by introducing affordable packages at discounted prices. I believe you are in Good Hands.

Find the right RV Roadside Assistance Plan for you | Good Sam Roadside

Save 50% on Roadside Assistance RV Plans (for New Members Only) with this special offer from Good Sam.

Save 50%
We earn a commission if you click this link and make a purchase at no additional cost to you.

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