Best States for Full-Time RV Living in 2024 (Find the Top 10 Providers Here) | AutoInsurance.org (2024)

The best states for full-time RV living are Florida, Texas, and Arizona, offering a blend of favorable weather, affordable living, and RV-friendly amenities. Florida tops the list with no state income tax and extensive RV parks. Texas follows with low cost of living and diverse landscapes. Arizona is ideal for its warm climate and abundant outdoor activities. Delve more details with our “Auto Insurance Rates by State“.

These states provide excellent healthcare facilities and vibrant RV communities. Each state excels in unique ways, ensuring a comfortable and enjoyable RV lifestyle.

Explore why these states are perfect for full-time RV living in the detailed analysis that follows. Start saving on your auto insurance by entering your ZIP code above and comparing quotes.

#1 – Florida: Top Overall Pick

Pros

• Warm Climate: Ideal for year-round RV living.
• Plenty of RV Parks: Extensive options for parking and amenities.
• No State Income Tax: Financially advantageous for residents. Gather more details on the Best Florida auto insurance if you’re in the market for auto insurance in Florida.
• Numerous Attractions and Beaches: Endless activities and scenic beauty.

Cons

• High Hurricane Risk: Potential for weather-related disruptions.
• High Cost of Living: Can be expensive compared to other states.
• Crowded Tourist Spots: Popular areas can be crowded, especially during peak seasons.

#2 – Texas: Best for Diverse Landscapes

Pros

• No State Income Tax: Financial benefits for residents. Explore further details about the Best Texas auto insurance before purchasing auto insurance in Texas.
• Large Number of RV-Friendly Sites: Abundant options for parking and amenities.
• Diverse Landscapes: From beaches to deserts to forests.
• Mild Winters: Comfortable temperatures year-round.

Cons

• Extreme Summer Heat: Can be uncomfortable and require additional cooling measures.
• Limited Public Transportation: May need to rely on personal vehicles.
• Distance Between Attractions: Long travel distances within the state.

#3 – Arizona: Best for Warm Weather Year-Round

Pros

• Warm Weather Year-Round: Ideal for continuous RV living.
• Many RV Parks: Plenty of options for parking and amenities. Find out more about the Best Arizona auto insurance if you’re looking to secure auto insurance in Arizona.
• Beautiful Desert Scenery: Stunning natural landscapes.
• Outdoor Activities: Hiking, biking, and more.

Cons

• Extreme Summer Heat: Requires good air conditioning.
• Limited Water Resources: Potential for water shortages.
• Sparse Population in Some Areas: Can be isolating for some.

#4 – California: Best for Scenic Coastal Drives

Pros

• Variety of Climates: From coastal to desert to mountain.
• Numerous RV Parks: Many options for parking and amenities. Learn more about the Best California auto insurance before choosing auto insurance coverage in California.
• Scenic Coastal Drives: Beautiful routes along the coast.
• Wealth of Attractions: Cultural, historical, and natural sites.

Cons

• High Cost of Living: Can be very expensive.
• Traffic Congestion: Especially in major cities.
• Stringent Regulations: Strict environmental and vehicle regulations.

#5 – Oregon: Best for Beautiful Coastlines and Forests

Pros

• Mild Climate: Comfortable temperatures year-round.
• Beautiful Coastlines and Forests: Stunning natural beauty.
• Many RV Parks: Plenty of options for parking and amenities. Uncover additional insights about the Best Oregon auto insurance if you’re considering purchasing one in Oregon.
• Outdoor Recreation: Hiking, biking, fishing, and more.

Cons

• High Precipitation: Lots of rain, especially in western Oregon.
• Higher Cost of Living: Can be more expensive than some other states.
• Remote Areas: Some parts of the state are isolated.

#6 – South Dakota: Best For Low Cost of Living

Pros

• No State Income Tax: Financially advantageous for residents.
• Low Cost of Living: Affordable expenses compared to many other states. Dig deeper into Best South Dakota auto insurance if you’re preparing to buying one in South Dakota.
• Many RV Parks: Plenty of options for parking and amenities.
• Beautiful Natural Scenery: Stunning landscapes and national parks.

Cons

• Cold Winters: Harsh and long winter season.
• Limited Healthcare Facilities: Fewer options in rural areas.
• Sparse Population: Can be isolating for some people.

#7 – Nevada: Best for Desert Landscapes

Pros

• No State Income Tax: Financial benefits for residents.
• Numerous RV Parks: Plenty of options for parking and amenities. Obtain more information on Best Nevada auto insurance if you’re thinking about getting one in Nevada.
• Desert Landscapes: Unique and beautiful scenery.
• Proximity to Attractions: Close to Las Vegas and other popular destinations.

Cons

• Extreme Summer Heat: Requires good air conditioning.
• Limited Water Resources: Potential for water shortages.
• High Cost of Living In Some Areas: Can be expensive in certain parts of the state.

#8 – Tennessee: Best for Mild Climate and Rich Cultural Heritage

Pros

• Mild Climate: Comfortable temperatures year-round.
• Many RV Parks: Plenty of options for parking and amenities. Investigate further details about Best Tennessee auto insurance when seeking insurance in Tennessee.
• Beautiful Scenery: Including the Smoky Mountains.
• Rich Cultural Heritage: Music, history, and more.

Cons

• Humid Summers: Can be uncomfortable and require additional cooling measures.
• Tornado Risk: Potential for severe weather.
• Limited Public Transportation: May need to rely on personal vehicles.

#9 – North Carolina: Best for Diverse Landscapes

Pros

• Diverse Landscapes: From beaches to mountains.
• Mild Climate: Comfortable temperatures year-round.
• Many RV Parks: Plenty of options for parking and amenities. Acquire additional information on Best North Carolina auto insurance when exploring one in North Carolina.
• Plenty of Outdoor Activities: Hiking, biking, and more.

Cons

• Hurricane Risk: Potential for weather-related disruptions.
• Higher Cost of Living in Some Areas: Can be expensive in certain parts of the state.
• Traffic Congestion: Especially in major cities.

#10 – Colorado: Best for Beautiful Mountain Scenery

Pros

• Beautiful Mountain Scenery: Stunning natural landscapes.
• Numerous Outdoor Activities: Skiing, hiking, biking, and more.
• Many RV Parks: Plenty of options for parking and amenities. Check out more about cheap auto insurance in Colorado if you’re shopping for auto insurance.
• Mild Climate: Comfortable temperatures year-round.

Cons

• High Cost of Living: Can be very expensive.
• Harsh Winters: Cold and snowy weather.
• Altitude Adjustment: Some may struggle with high elevation.

Full-Time RV Living Auto Insurance Monthly Rates by Coverage Level & Provider

Full-time RV living presents unique insurance considerations due to the mobile nature of the lifestyle. When choosing auto insurance for an RV, whether minimum coverage or full coverage auto insurance, several factors come into play, including the level of protection desired and the cost. Comparing rates across different insurance providers reveals variations that can impact a full-time RVer’s budget significantly.

Among the listed providers, USAA offers the lowest monthly rate for minimum coverage at $40, appealing to RVers looking to meet legal requirements without extensive financial outlay. State Farm follows closely at $45, maintaining competitive pricing while providing essential coverage for liability.

For RVers seeking comprehensive protection, rates increase across the board. USAA remains cost-effective at $120 per month, offering a substantial savings compared to other providers. State Farm also proves competitive at $130, balancing affordability with extensive coverage benefits.

Geico and Nationwide present attractive options for both minimum and full coverage, emphasizing affordability without compromising comprehensive protection. Amica and Progressive offer slightly higher rates but justify costs through enhanced coverage features, appealing to RVers prioritizing comprehensive insurance benefits.

Liberty Mutual and Allstate provide solid coverage options but at higher monthly premiums, catering to RVers who prioritize brand reputation and extensive coverage benefits. Farmers and Travelers also offer competitive rates, making them viable choices for RVers seeking reliable insurance without excessive cost.

In conclusion, choosing the right auto insurance for full-time RV living involves balancing coverage needs with affordability. Factors such as provider reputation, coverage levels, and monthly premiums play crucial roles in making an informed decision that aligns with the unique demands of a mobile lifestyle

Special Discounts for Full-Time RV Living

Explore auto insurance discounts available from top RV insurance providers such as State Farm, USAA, and Progressive. These discounts can help you save on your RV insurance premiums, making full-time RV living more affordable and enjoyable.

Whether you’re looking for bundling discounts, safe driver discounts, or loyalty rewards, these companies offer various ways to reduce your insurance costs while providing comprehensive coverage for your mobile lifestyle.

Always shop and compare quotes to find the best savings for your RV insurance needs.

All States Ranked for Full-Time RV Living

If you’ve decided to make your RV a full-time home, you likely want to visit as many places as possible. We ranked all of the states for average temperature, number of federal parks, and the number of available RV insurance carriers. The map below shows the rankings for each state.

You’ll note that after the top 10, Alaska lands in the 11th spot. While it’s an amazing place to see and visit, it’s worth noting that getting there in an RV is no easy feat. Our ranking metric doesn’t take into account the somewhat precarious Alaska Highway (also called the Alcan Highway), best navigated in the summer months.

Obtain more knowledge with our guide titled “Alaska Auto Insurance.”

Approach: Methodology for Ranking the Top 10 States for Full-Time RV Living

We approached our ranking specifically for those that live in an RV full-time while traveling the country, rather than those that plan to stay in one place. To that end, we looked for states good for every time of year rather than just states that are best all year through.

We took average temperature data from the National Oceanic and Atmosphere Administration (NOAA), which averages temperatures over a 100-year period from 1901-2000. We also drew information on the number of federal parks in each state from the National Parks Service, the U.S. Forest Service, and the U.S. Fish and Wildlife Service.

Finally, we looked to the top insurance companies to see which offered RV insurance in each state for a full count of the available options.

RV insurance doesn’t have to be expensive, even if you own an expensive RV model. The best way to save is to compare auto insurance quotes from RV insurance companies.

Case Studies in Full-Time RV Living: Real-Life Experiences

Explore these case studies to gain insights into the diverse experiences of individuals embracing full-time RV living across different states.

• Case Study 1 – Financial Freedom in Texas: John and Sarah, retirees from California, relocated to Texas for its favorable tax laws and abundant RV parks. They enjoy a flexible lifestyle, spending winters in the south and summers up north.
• Case Study 2 – Oregon’s Outdoor Enthusiasts: Mark and Lisa, a young couple from Oregon, embraced full-time RV living to explore the state’s diverse landscapes year-round, from coastlines to mountains.
• Case Study 3 – Sunny Escapes in Florida: The Smith family left New York to live in an RV in Florida, seeking warmer winters and ample outdoor activities despite higher insurance costs.

These case studies illustrate the versatility and personalization of full-time RV living. Whether driven by financial flexibility, a love for nature, or a desire for seasonal climates, each family finds unique rewards and challenges on their journey. By choosing the right state and adjusting their lifestyle, these RVers have unlocked a fulfilling and adventurous way of life.

Gain more insights on our “Why does auto insurance vary from state to state?“

Conclusion: Finding Your Ideal RV Destination

Selecting the perfect state for full-time RV living involves evaluating climate preferences, proximity to national parks, and insurance affordability. States like Florida, Texas, and Arizona offer diverse landscapes and favorable weather conditions year-round.

Comparing insurance quotes from providers such as State Farm, USAA, and Progressive ensures comprehensive insurance coverage tailored to your RV lifestyle needs. With these considerations in mind, RV enthusiasts can embark on a fulfilling journey across America’s most RV-friendly destinations. Find the best auto insurance company near you by entering your ZIP code into our free quote tool below.