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How Much Does RV Insurance Cost?

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Key Takeaways
– RV insurance costs range from $500 to $1,500 annually.
– Different types of RVs have varying insurance rates.
– Factors such as usage, driver history, and coverage options influence costs.
– Discounts are available to lower insurance premiums.

$500 – $1,500: Average Cost Per Year

Average RV Insurance Cost

Insurance for recreational vehicles (RVs) can vary broadly depending on several factors. On average, RV insurance costs between $500 and $1,500 per year. However, the national average gives us a clearer picture.

Average Annual Cost Of RV Insurance

National Average Cost$1,000
Minimum Cost$96
Maximum Cost$4,000
Average Range$500 to $1,500

As shown in the table, the national average cost of RV insurance is around $1,000 per year. Yet, one could find policies as low as $96 and as high as $4,000.

RV Insurance Cost Per Month By Type

The cost of RV insurance also depends on the type of RV. Here’s a breakdown of monthly and yearly costs by RV type:

RV TypeAverage Cost Per MonthAverage Cost Per Year
Towable RV / Trailer$15 – $50$200 – $600
Class A Motorhome$50 – $200$600 – $2,500
Class B Camper Van$40 – $80$480 – $1,000
Class C Motorhome$45 – $125$540 – $1,500

Towable RV / Trailer

Towable RVs or trailers are generally the least expensive to insure. These RVs are not self-propelled and require a separate vehicle for towing.


Motorhomes are divided into classes, each with unique features and insurance costs.

Types Of Motorhomes

Motorhome TypeInsurance RatesRV Motorhome Details
Class A Motorhome$$$
  • Largest & most expensive
  • Comparable to a tour bus
  • Luxury features
  • Lengths from 26′ – 45′
  • Weighs 13,000 – 30,000 pounds
  • May require a different driver’s license
  • Sleeps 8 people
Class B Camper Van$
  • Smallest & least expensive
  • Often has a kitchenette & bathroom
  • Lengths from 17′ – 23′
  • Weighs 4,000 – 9,000 pounds
  • Fits up to 4 people
Class C Motorhome$$
  • Mid-range RV
  • Bigger than Class B but smaller than Class A
  • May require a different driver’s license
  • Can tow a car
  • Lengths from 20′ – 30′
  • Weighs 10,000 – 13,000 pounds
  • Fits up to 6 people

RV Insurance Cost Calculator

Calculating the cost of RV insurance involves considering several essential factors:

RV Usage

How often and how long the RV is used can significantly impact insurance costs. Full-time RV users will typically pay more than those who use their RV occasionally.

Driver Experience & History

The driver’s experience and history with RVs can serve as determining factors. A clean driving record and extensive driving experience may lead to lower premiums.

RV Insurance Coverage Options

Having various RV insurance coverage options available helps to address the diverse needs of RV owners. Common coverage options include:

  • Liability Coverage: Covers bodily injury and property damage.
  • Collision Coverage: Pays for damage resulting from collisions.
  • Comprehensive Coverage: Covers non-collision damages such as theft or vandalism.
  • Personal Injury Protection: Pays for medical expenses from an accident.
  • Uninsured/Underinsured Motorist Coverage: Protects against uninsured drivers.
  • Emergency Expense Coverage: Covers living expenses if the RV is unusable.

Cheap RV Insurance & Discounts

Finding cheap RV insurance is possible through various discounts and strategies. Insurers often provide the following discounts:

  • Bundling Policies: Combining RV insurance with other insurance policies.
  • Safe Driver Discounts: For those with clean driving records.
  • Anti-Theft Devices: Installing security devices in the RV.
  • Paperless Billing: Opting for electronic billing statements.
  • Paying in Full: Paying the annual premium upfront.
  • Club Memberships: Discounts for affiliations with RV clubs or associations.

RV Insurance FAQs

The following FAQs aim to answer some common questions about RV insurance.

Is RV Insurance Required?

In most states, insurance is mandatory for motorized RVs, and liability insurance is often required for towable RVs.

What Type Of Insurance Does An RV Need?

An RV typically needs the same kinds of insurance protections as a car, including liability, collision, and comprehensive coverage. Additional RV-specific protections, like vacation liability, may also be recommended.

What Is Vacation Liability RV Insurance?

Vacation liability insurance covers liabilities that occur while the RV is parked and being used as a temporary residence, akin to renter’s insurance for your RV.

Does RV Insurance Cover Water Damage?

Comprehensive insurance typically covers damages caused by water, but not all policies may include this. Always check specific policy details with your insurer.

Are RV Awnings Covered By Insurance?

Damage to RV awnings can be covered under comprehensive insurance, depending on the cause of the damage and the specific details of your policy.

Is RV Insurance Cheaper Than Car Insurance?

RV insurance can sometimes be cheaper than car insurance, especially for towable trailers. However, costs can vary widely depending on the type of RV and coverage needed.

How To Find The Best RV Insurance

Finding the best RV insurance involves research and comparison.

Questions To Ask An RV Insurance Agent

When speaking with an RV insurance agent, consider asking:

  • What coverages are included or excluded?
  • Are there any discounts available?
  • How are claims handled?
  • What are the details of the emergency expense coverage?
  • Are there coverage limits for personal belongings?

Finding the right insurance for your RV doesn’t have to be a daunting task. By understanding the factors that affect costs and knowing the right questions to ask, you can confidently choose the best policy for your needs.

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