February 25, 2024

How Much Is Rv Insurance? Wouldn’t you like to find out? I’m sure you would.

Insuring your (permanent or temporary) home on wheels depends on a variety of internal and external factors, just like insuring your daily driver or the residence you call home, both of which are options with an RV.

Calculating your cost can be difficult because there are so many different types of RVs to choose from, including Class A, B, C, fifth-wheels, pop-up campers, teardrop trailers, and many more, all of which come in a wide range of prices. But we’re here to support you.

How Much Is Rv Insurance: Full Guide

How Much is RV Insurance?

Depending on a number of variables, the average cost of RV insurance in the United States can range from a few hundred dollars ($150) to a few thousand dollars ($5,000+) annually.

The type of RV you own is the main deciding factor. While smaller pop-up and teardrop campers can be insured for just a few hundred dollars, Class A motorhomes are the largest and most expensive to insure, costing thousands of dollars annually.

The type of RV insurance coverage you choose, the age and condition of your RV, where you live, your driving record and claim history, and how you use your RV are all factors that affect average costs.

The price of a newer, larger motorhome that is intended to be used occasionally will undoubtedly be higher than the teardrop weekender you can tow behind your truck or SUV.

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External Factors that Influence Rv Insurance Cost

Let’s take a look at all the external factors.

1. Insurance Coverage

Similar to auto insurance, the cost for the same RV will vary depending on whether you choose liability or full coverage.

Full coverage protects your RV and the people inside it regardless of whether you were at fault for the accident, in contrast to liability insurance, which only pays for damages you cause to another person’s car or property and the other people involved in the accident.

If you borrow money to purchase your RV, your lender will probably insist that it be fully insured up until you pay it off. To safeguard their investment, do this.

As you can see, until you pay it off, they technically still own the RV. Thus, the requirement that you have insurance ensures that they will receive their loan back if it is totaled.

RV insurance also includes extra benefits like vacation liability insurance in case you break down and need to find lodging and towing coverage in case you break down in the middle of nowhere and don’t want to spend several thousand dollars having your vehicle towed to the nearest repair facility.

2. Age, Condition & Type of RV

The age, condition, and type of RV you own are unquestionably the biggest determinants of average RV insurance costs.

Class A motorhomes are by far the most expensive to insure due to their size, difficulty of operation, and potential for the most damage. However, a 25-foot Class A purchased in 1995 will continue to cost less than a brand-new vehicle purchased in 2015.

A pull-behind RV’s insurance will also cost more than any RV that can be driven. In theory, non-drivable RVs don’t need liability insurance because the liability protection from the car that tows them is transferred to them.

Therefore, your auto insurance would probably cover any damage it causes. However, unless you had RV insurance, any damage to the RV would not be covered.

3. Location

Average costs are determined by a pool of policies in your state, county, or even city, just like with any other type of insurance.

Similar to auto insurance, RV insurance considers all aspects of the region it covers, including the population, the number of RVs on the road, the prevalence of auto accidents, and the frequency of natural disasters.

Therefore, Florida-based RVers will pay a different price than Michigan-based RVers. Additionally, RVers based in Fort Lauderdale, Florida will pay a different price than RVers based in Florida’s rural areas.

The premiums will be lower in areas with lower risk. The premiums will be higher to account for higher risks where there are any.

4. Driving Record & Claims History

Your driving history and claim history are additional determining factors for your typical RV rates.

Even in your primary vehicle, a lot of speeding tickets or accidents that result in insurance claims will make you seem riskier to insurers, and as a result, your insurance premiums will be higher than those of other drivers.

5. RV Usage

Your use of the RV comes last but not least. You’ll probably pay less for RV insurance if you’re a weekend warrior who travels with your RV occasionally or goes away for a few weeks each year than if you keep your RV for a few months of the year.

The justification is straightforward. The more time you spend driving your RV on the open road, the greater the chance of an accident or vehicle damage.

You’re less likely to have an accident if you only use it for a few weeks out of the year and store it the rest of the time.

Additionally, the things you keep inside as personal property play a role. In comparison to someone who is just taking a weekend road trip, you are much more likely to keep more belongings inside an RV if you live in it part-time.

An RV is typically a financial investment. The same rules that apply to insuring your primary residence and car also apply to an RV insurance policy, whether it is used occasionally or on a full-time basis.

Consideration must be given to selecting the best insurance to protect the contents of your mobile home from theft, damage, and other risks.

Why Buy RV Insurance?

Given that an RV qualifies as a vehicle, it stands to reason that a comprehensive (liability) and collision incident insurance policy would be applicable.

RV insurance, however, goes a little further than a typical vehicle policy because an RV can double as a temporary or even permanent residence.

RV insurance essentially combines components from a homeowner’s insurance policy and a car insurance policy to create a comprehensive package of specialized coverage.

In addition to the essentials, picking from a variety of options and levels of coverage is what makes purchasing RV insurance a wise choice for total security. Several options for specialized RV insurance include:

  • Total loss replacement
  • Personal property replacement
  • If your RV breaks down while you’re traveling, your emergency insurance will pay for food, lodging, and alternate transportation.

Traveling the open road and experiencing nature up close and personal are central to the RV lifestyle.

However, it is priceless to know that in the event of an incident or accident while traveling, your RV, personal belongings, and wallet are all covered.

Insurance has your back with even more specialized options for full-time RVers:

  • Liability for accidents in the RV, at the campsite, and for towing costs and damage (damage to people or property).
  • A typical homeowner’s policy does not provide coverage for stolen personal property.
  • Comprehensive protection against fire, vandalism, and theft.
  • Storage costs.

RV Classifications / RV Finder 

There are various types of RVs and based on their classification, coverage, and premiums are applied accordingly.

Class A

Motorhomes are another name for Class A RVs. These RVs are the biggest and priciest ones. The variables listed below are used to calculate premiums.

Based on usage of 140 days annually, estimates place the average annual insurance premium for a gas-powered Class A motorhome at between $1,000 and $1,300.

Class B

Camper vans, conversion vans, and just plain Class B motorhomes are other names for Class B recreational vehicles. The smallest of the three categories of RVs is this one.

These RVs are insurable under a typical auto insurance policy. The same formula used to determine a standard auto policy is used to determine annual premiums.

These variables include one’s driving history, the vehicle’s primary location, price, the type of coverage, and the rates offered by particular insurance companies. Rates are too varied to list because of the numerous different factors.

Class C

Mid-sized motorized recreational vehicles fall under the Class C category. The majority of Class C motorhomes have an area, typically a sleeping area, that rises above the main cab area.

The age and value of the RV, type and frequency of use, and premiums are all taken into account. Annual premiums typically range from $800 to $1,000 or more.


The cost of insurance is lower for fifth-wheel trailers and other types of travel trailers that are hitched to the back of a truck. State, age/value, size, and usage all have a significant impact on premiums.

At a minimum, comprehensive and collision coverage are included in most policies.

For newer, more frequently used trailers, the price can range from roughly $200 to over $1,000 depending on the numerous factors affecting premiums.

Discounts for Lower RV Insurance Rates

Be sure to account for any potential discounts that might be available when comparing quotes from various insurance providers. Discounts can help you get a very competitive annual premium rate in a variety of ways.

Ask about these discounts, among others:

Bundling: You can save more money by having more policies. Almost everything, including auto and homeowner’s insurance as well as motorcycle or boat insurance, can be bundled.

New owner – If you are a motorhome’s first owner, you might be eligible for a discount. A trailer’s first owner might be eligible for a discount on comp/collision insurance.

A second way to be eligible for a discounted rate is to pay the entire annual premium in full.

Good driver – A nice discount might be available if you have a spotless driving record for at least three years.

Claim-free: By not filing a claim, you can save money on discounts for new insurance policies.

Autopay – By limiting administrative costs, insurance providers can pass the savings on to you when premiums are deducted automatically from your account each month.

Paperless – Saving time and money by making payments and statements online may qualify you for a discount.

Non-smokers: A few insurance providers provide discounts for leading healthy, responsible lives. One thing to inquire about is non-smoker discounts.

Anti-theft gadgets Your efforts can help insurance companies avoid theft and damage, saving them thousands of dollars each year. Any precautions taken could lead to a discount.

Insurance Factors

  • Insurance rates differ based on different underwriting considerations and factors, including:
  • Market value vs. new RV prices
  • Age of RV
  • Usage
  • Location
  • Driving record
  • Value of contents

RV policies can be as specific as necessary. Coverage includes full-time habitation, road trips, and outdoor recreation (camping).

A full-time RVer’s insurance plan would be very similar to a regular homeowner’s policy in that it would cover personal liability and loss.

RV Insurers


Along with online quotes, a number of insurance providers offer RV insurance. Look into insurance providers like Progressive, GMAC, or Geico.

Additionally, there are online quote comparison businesses like RV America Insurance that gather rates from various businesses and compile the findings in a report that can be read quickly.

Through organized membership clubs like Good Sam RV Insurance, additional options might be made available.

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The bottom line is that it’s critical to protect your assets, just like your house and car. RV insurance is adaptable, affordable, and provides many opportunities for discounts to further reduce the annual premium.

Know that you are protected wherever you call home, whether you are taking a quick trip or an extended vacation.

Check out other unique articles on our blog for more detailed information and do well to share with your friends and family. Follow us on our Twitter and Facebook to stay updated with premium information.