How Much is RV Insurance a Year? Recommendations for 2023

How Much is RV Insurance a Year

Finding exact information regarding the price of RV insurance might be challenging without receiving actual quotations for your recreational vehicle (RV). While it’s customary to hear that camper insurance is about $1,500 a year, the actual cost of your RV policy will probably vary, maybe significantly.

The Guides Auto Team investigates what factors influence RV insurance costs and how you might be able to achieve reduced rates in this article. Also, we’ve included a couple of the top RV insurance providers for you to start your search with.

Important Learnings:

  • Depending on your RV and circumstances, RV insurance might cost on average $125 per month.
  • The cost of RV insurance is influenced by factors such as area, location, driving history, familiarity with RVs, and more.
  • Combining insurance policies, setting a storage term, finishing a safety course, and other strategies can all help you save money.

Why You Should Trust Us

The Guides Auto Team is dedicated to offering trustworthy information to assist you in making the best choice possible for your vehicle’s insurance. For you to make an informed decision, our researchers, writers, and editors are committed to researching suppliers and examining user comments and insights.

What Does RV Insurance Cost?

What Does RV Insurance Cost

The typical RV policy costs approximately $1,500 a year, or roughly $125 a month, according to Progressive, one of our preferred RV insurance companies. Unfortunately, this average may not accurately represent the full range of RV insurance costs.

The price of the actual campers can range from a few thousand dollars to well over a million. This implies that based on that single element, insurance costs will fluctuate widely.

RV Insurance Price Elements

RV Insurance Price Elements

In addition to the price of your RV, a number of additional factors affect your rates. The following are the ones that matter most:

Class of RV

The price of your insurance might vary depending on the features and amenities of the various types of RVs. For instance, Class A motorhomes tend to contain more motorized and electrical components that can break down than other types of RVs, in addition to being typically more expensive.

Driving Background

You must drive or tow your RV if you want to move it from one location to another. As a result, the cost of your insurance will be significantly influenced by your driving record.

Drivers with spotless records will have access to the most affordable RV premiums, as one might anticipate. Expect to pay extra if you have any infractions or accidents where you were at fault.


Your premium price is affected by how much time you spend in your RV. Regular campers’ insurance is often more expensive than that for full-time RVers.

Experience Driving an RV

Insurance companies take both your experience driving a car and operating an RV into account when determining your RV insurance premiums. That’s because operating a motorcoach or towing a camper differs significantly from operating a vehicle. Insurance companies typically provide drivers with a history of pulling or hauling RVs at discounted rates.

Credit Rating

Many states, including California, Hawaii, Maryland, Massachusetts, Michigan, Oregon, Utah, and Washington, have regulations that limit how much insurance companies may use your credit score to determine your premiums. Nevertheless, in every other state, how much you pay can depend on your credit score.

As one might anticipate, those who have strong credit are eligible for cheaper RV insurance premiums. That can have a significant influence depending on where you reside and your insurance company.


You will be able to choose certain options for your RV coverage deductible, just like with other types of insurance. You might anticipate higher rates the lower your out-of-pocket costs are set.


Your insurance rate is affected by where you believe your RV to be parked. The varying laws and risk variables in each state are taken into account when adjusting insurance prices. Based on elements like population density and crime rates, rates can also change within the same state.

Model for Reimbursement

Several loss reimbursement schemes are provided by some RV insurance providers. For instance, actual cash value coverage only reimburses the value of the RV at the time of the loss, taking into account depreciation. Usually, this is the less expensive choice.

According to a dollar figure you agreed upon with your insurer at the start of your policy, the agreed value coverage reimburses you. Whole loss replacement coverage, which pays out depending on the price to replace your camper, may also be available to you.


Your rates are influenced by the types of insurance coverage you include in your policy and the coverage limits you choose. Generally speaking, RV insurance plans that adhere to your state’s minimal standards for coverage are the least expensive. Your insurance will cost more if you increase your limits and add coverage. Your lender will often demand that you upgrade your insurance to include comprehensive and collision coverage if you financed your RV.

RV types

RV types

The type of camper you wish to cover has a significant impact on the price of RV insurance. The premium you pay is influenced by the distinctive features, facilities, and price range of each type of RV. RVs often fall into one of two kinds.


As towable campers can’t move on their own and need a vehicle to pull them, they feature fewer mechanical systems than motorhomes. They are therefore often less expensive to insure. For instance, Progressive claims that the cost of their typical towable RV coverage in 2020 was $502 a year on its website.

The primary types of towable campers you may insure are as follows:

Teardrop campers: Campers known as “teardrops” are often the smallest and most affordable RVs, however, their features might vary. Some only feature a bed that can be turned into a seating area, while others can include restrooms that are already built in.

Pop-up campers: The name of these RVs refers to how they operate. When you get at your location, they “pop up” to provide the same experience as a full-size camper while still packing down for simple, aerodynamic hauling.

Travel trailers: One of the most common styles of recreational vehicles, these mobile homes can be anything from basic campers to plush suites.

Toy haulers: These tents are designed for campers that enjoy including outdoor activities in their travels. They have lots of room for storing things like surfboards, fishing equipment, and even a motorcycle or ATVs.

Fifth-wheel RVs: The largest and frequently most luxurious towable are fifth-wheel RVs, so named because they must be attached to the truck bed.


Towables are often less expensive to insure than motorized RVs. According to Progressive, the cost of an average motorhome insurance coverage in 2020 was $848 per year, 69% more expensive than the cost of an average towable policy.

Self-propelled recreational vehicles often fall into one of three groups:

Class A motorhomes: These are the most expensive and typically the largest motorhomes. They are frequently built on bus chassis and may cost well over a million dollars. Based on 140 days of usage, the National Automobile Dealers Association (NADA) reports that the typical Class A RV insurance coverage costs between $1,000 and $1,300 a year.

Class B motorhomes: are typically the smallest of the three classes of RVs and are constructed on a van chassis. These nimble camper vans have been more well-liked in recent years. A Class B RV’s annual insurance premiums normally range from $300 to $1,000.

Class C motorhomes: are a popular choice for families that require additional space but still need a vehicle that is easy to operate. They are bigger than Class B but smaller than Class A. The typical price for these RVs is between $600 and $1,000 each year, according to NADA data.

RV Insurance Types

Among the most important elements that affect your prices are the limits and types of coverage you select for your RV insurance policy. The majority of trustworthy insurers offer both regular coverages and add-ons designed specifically for RV owners, just like the best vehicle insurance companies.

Typical RV Insurance

The typical coverage options available for RV insurance are very comparable to those available for auto insurance. What typical RV insurance includes is as follows:

Insurance for bodily injury liability: Pays for the medical bills and lost earnings of other people hurt in an accident for which you are held legally responsible.

Property damage liability insurance: Pays for harm done to other cars and people’s possessions as a consequence of collisions you cause.

Crash protection: Pays for damage to your RV regardless of who was at fault for the collision.

Comprehensive coverage: Provides coverage for damages to your RV caused by events like fire, vandalism, or bad weather in addition to accidents.

Uninsured/underinsured motorist protection: Pays for your medical costs and property damage if the at-fault driver doesn’t have enough insurance.

Personal injury protection (PIP): Pays for medical costs and lost earnings for you and your party if you are hurt in an accident, regardless of who was at fault.

Medical payments coverage (MedPay): No matter who was at blame for the accident, medical payments coverage pays for your medical costs and those of your party, but it does not cover lost income.

RV Insurance Option

You may be able to pay for some of the additional expenses of RVing with the aid of policy add-ons. By provider and sporadically by location, these coverages differ. The following are the most typical extra coverage choices for RV insurance:

Rental reimbursement: If your camper breaks down, this insurance will pay the cost of hiring a car or, in some situations, an RV.

Full-timer liability: Similar to a homeowners insurance policy, this coverage pays for accidents or damages brought on by your RV.

Towing and labor: In the event that your RV breaks down, towing and labor costs are covered.

Safety glass: Provides financial protection for the expense of maintaining or replacing your windshield, which is often not covered by most common insurance plans.

Coverage abroad: Protects your RV if you are traveling abroad.

Roadside assistance: The cost of emergency roadside services including gasoline delivery, tire repair, and towing is partially or entirely covered by roadside help.

Vacation liability: Liability claims made against your RV when it is parked while you are using it for a vacation are covered by this insurance. Regular insurance generally does not provide coverage for this form of obligation.

Pet injury coverage: Pays your pet’s medical expenses if they sustain injuries in an accident that is covered.

Emergency expense coverage: In the event that your RV breaks down and needs to be fixed for a while, emergency expenditure coverage pays for food, accommodation, and other travel costs.

Sound system: Insures your camper’s audio equipment against damage or theft.

Save on RV Insurance

Your camper insurance rates will also take discounts into account because they decrease the cost of coverage. The real savings provided differ amongst businesses. These occasionally vary according on where you reside and the type of RV you own.

The following are some of the most typical RV insurance discounts:

Association: If you belong to specific RV or camping groups, you may qualify for a discount from several insurers.

Military: personnel, veterans, and their families may receive savings from some insurance providers.

Multi-policy: Combining your RV coverage with other policies, such as homeowners insurance, renters insurance, or life insurance, can frequently result in savings.

Private passenger: Some insurers can reduce your price if you directly combine your RV coverage with your vehicle policy, which is a little different than a multi-policy discount.

Multi-vehicle: Some insurers can give you a discount if you cover many campers under the same policy.

Storage: Some providers let you designate a storage time when your RV isn’t in use, much as a discount for boat insurance. Your overall premium will go down as a result, but your RV won’t often be protected during this period.

Claim-free: Some insurance providers may give you a discount if you spend a significant length of time without making an insurance claim.

Responsible driver: If you don’t have any infractions or accidents for a predetermined amount of time, some insurers may give you a discount.

Paid in whole: If you pay for your insurance policy in full rather than in monthly installments, some insurers may give you a discount.

Safety training: If you pass an authorized RV safety course, many insurers may reduce your price.

How to Reduce RV Insurance Costs

There are certain things you can do to obtain more affordable rates, even if many of the elements that affect the price of insurance for your RV are outside your control.

Search for specials

Use RV insurance discounts as one of the simplest methods to save money. A discount for attending an RV safety course is one example of an RV-specific discount. Other savings, like bundling, are comparable to ones you could obtain for vehicle insurance.

On an insurer’s website, you may browse for savings that apply to you, or you can discover a list of them in our evaluations. Discounts, though, are frequently provided by insurance providers but aren’t disclosed on their websites. You might be able to learn about more chances for savings from an insurance representative.

Bundle your RV insurance.

Because most businesses provide a discount for bundling, your existing vehicle insurer is an excellent location to start your search. Unfortunately, not all insurers provide RV insurance in addition to vehicle and homeowner’s insurance, and some would not let you combine RV coverage.

Choose an insurance provider that permits you to combine your RV coverage if your current insurer does not. Get a total price for all the insurance coverage you require, then compare it.

Decide on a storage duration

If you agree to park your camper for a predetermined amount of time during the year, several insurance companies may offer you a discounted premium. By setting up a storage period with your insurer, you may be able to acquire lower coverage for times when you know you won’t be using your RV.

Finish the RV safety course

The majority of the insurers in our analysis provide customers discounts for finishing a recognized safety course. These courses may teach you how to drive an RV more safely and how to prevent typical sources of damage.

Set a Higher Deductible

Even while it’s not ideal, having to pay extra out of pocket for repairs might help you save money on insurance rates. Lowering your deductible can assist if you need to save a little money on your RV insurance and are willing to take the chance of having to pay more out of pocket.

Compare prices

Looking around might result in significant savings on your RV insurance. When you insured your automobile, you could have previously compared auto insurance; the process is the same here. Even with the identical camper, policies, limits, and drivers, you can find noticeably different quotations from each insurance since different firms evaluate various risk factors and characteristics differently.

RV insurance rates: last thoughts

The price of RV insurance is influenced by a wide range of factors. The average annual premium for RV insurance is about $1,500, although real rates might vary substantially. On average, you may anticipate spending ranging from a few hundred to several thousand dollars annually.

Although tables do not legally require RV insurance and only motorhomes do, you definitely want it in both situations. Campers mix the dangers of both houses and cars, which means there are many different ways things may go wrong in addition to traffic accidents. RV insurance with full coverage can safeguard your investment and keep you traveling and exploring.

Recommendations for RV Insurance Companies

Obtaining a quotation is the only way to find out what your real RV insurance would cost. The Guides Auto Team advises comparing your options and obtaining numerous quotes for RV insurance in order to discover the best price and coverage options for your requirements. The suppliers listed below are excellent starting points.

Best Pick for Full-Timers Nationwide

Nationwide is a solid alternative for full-time RV insurance because of its selection of coverage options. Individuals who live in RVs can get the personal liability insurance they need to protect themselves, as well as extras like personal property replacement cost insurance. Alternatives that are suitable for recreational campers are also available.

Advanced: Editor’s Pick

Progressive received the highest rating and won our Editor’s Choice award in our industry-wide analysis of the top RV insurance providers. This is mostly due to the company’s unmatched combination of coverage options and savings chances as an RV insurance provider. With Progressive, customers may get nearly any type of insurance coverage they require at competitive prices.

FAQs about RV insurance costs

What is the average cost of RV insurance?

In general, the annual cost of RV insurance coverage is close to $1,500. The value of your camper, your driving history, and other considerations can all have a significant impact on the price of your RV insurance.

What sort of insurance is necessary for an RV?

You must have motorized recreational vehicle (motorhome) insurance that meets the minimal standards set out by your state. A towable RV is often exempt from insurance requirements.

RV insurance is it less expensive than standard insurance?

Depending on the type of camper you have and other variables, your RV insurance may be less expensive than your normal vehicle insurance. For instance, insurance for the majority of towable RVs is often far less expensive than vehicle insurance for comparable types and levels of coverage. However, insurance for a luxury-level Class A RV might be significantly more expensive than regular auto insurance.

What states offer the most affordable RV insurance?

Typically, Maine, New Hampshire, and Ohio have the lowest auto insurance rates in the nation. You can anticipate camper coverage to be reasonably priced in these states, though that does not necessarily mean that they have the lowest average RV insurance rates.

Our Technique


Because customers depend on us to deliver unbiased and correct information, we developed a detailed grading methodology to compile our list of the top RV insurance providers. To rate the firms on a variety of ranking variables, we gathered information on dozens of camper insurance providers. The outcome was an overall rating for each provider, and the top insurers on our list are those who received the most points.

The following are the elements that our ratings consider:

Reputation: In determining this number, our research team took into account years in the company, market share, and expert evaluations.

Availability: Companies that offer recreational vehicle insurance in more states and have fewer qualifying conditions received the best ratings in this area.

Coverage: A wide range of specialized coverage choices are available to RVers. Based on the quantity and variety of coverage add-ons they provide for camper insurance, we evaluated the businesses.

Cost: Given the wide range of RV insurance prices, our research team focused primarily on the availability of policy discounts.

Customer Experience: When doing their study, our team considered the convenience and accessibility of in-person, over-the-phone, and online services, as well as the industry reputations of businesses with groups like the Better Business Bureau (BBB).

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