How Much is RV Insurance Today?

Table of Contents

how much is camper insuranceHow much does RV insurance cost? The cost to insure a motorhome ranges from $300 to $3000 per year, while towable campers cost between $150 and $1000. Indeed, camper or motorhome insurance is a significant expense for many RVers, and understanding the current rates is a good first step before making any decision.

In this post, we’ll explore insurance rates for different types of RVs, break down coverage options, delve into the factors that influence camper insurance premiums, highlight the best RV insurance companies, and direct you to the best places to get free RV insurance quotes. Before we wrap up, we will provide some valuable tips on getting affordable coverage and answer some FAQs.

Want to estimate the cost of a policy for your RV and situation?
Get an online quote for RV insurance fast!

Strap up and let’s roll!

First, What is RV Insurance?

Recreational vehicle (RV) insurance is a specialized type of coverage designed to protect RVs and their owners against potential risks on the road. Similar to auto insurance, RV insurance provides financial protection in case of accidents, damage, theft, or liability claims involving the RV. 

There are various coverages that will differ depending on how much protection you want and how you plan to use your vehicle. 

How Much is RV Insurance? Rates for Every RV Type

Here’s the average cost of RV insurance for
different classes of campers.

Class A RV Insurance Cost

class a motorhome insurance costs

With a bus-like appearance, Class As are the largest and most luxurious of all motorhomes. Class A motorhome insurance rates are the highest of all types of RVs, ranging between $1,200 to $3,500 annually, with the average being around $2,000 based on our recent nationwide survey. 

Class B RV Insurance Cost

Generally, current RV insurance rates for campervans range between $400 and $1200 yearly. A Class B or campervan is a compact motorhome that resembles a large van. It could be factory-made, converted by a professional company, or a DIY conversion van. 

Class C RV Insurance Cost

Insurance on
Class C RVs ranges between $300 and $1500 annually. Class Cs are the most common type of motorhome, and they are easily distinguished from other coaches by the attached cab section that typically extends over the driving compartment.

Travel Trailer Insurance Cost

A travel trailer is the most common type of towable recreational vehicle. These units range from small pull-behinds to 44’+ rigs. Expect to pay between $200 and $600 annually. And how much is travel trailer insurance per month? It ranges between $30 and $60.

Fifth Wheel Insurance Cost

Insurance for a fifth wheel ranges from $400 to $1000, with the average cost being $500. Fifth wheels are large towable RVs characterized by a raised forward section that extends over the pickup truck’s bed when hitched.

Toy Hauler Insurance Cost 

The average RV insurance cost of a
toy hauler is $400 to $900 for a 12-month policy. Basically, a toy hauler is a medium to large pull-behind RV that combines living quarters with a dedicated space (garage) for transporting fun outdoor toys such as ATVs, SxS, dune buggies, motorcycles, and bicycles.

Teardrop Camper Insurance Cost 

RV insurance for teardrop trailers ranges between $100 and $350 annually, with the average being $200. A Teardrop is a small and lightweight type of trailer characterized by a teardrop/egg-shaped profile.

Pop Up Camper Insurance Cost 

Insurance for a
pop-up camper ranges between $150 and $400, with the middle ground being $200. Also known as a tent trailer, folding camper, or a PUP, a pop-up is a type of RV with collapsible sidewalls and a roof that can be raised for camping and lowered for transportation.

Truck Camper Insurance Cost 

cost of truck camper insurance

The average RV insurance cost for a truck camper is $200. However, it can range between $150 and $500. Also known as a pickup camper, slide-in, or cab-over camper, this is a small type of RV that is designed to be mounted on the bed of a pickup truck. One defining feature is the cab-over design, which extends over the cab of the truck to maximize interior living space.

: Insurance for towable RVs is not required in some states. That’s because the vehicle you use to pull your trailer will have liability coverage, which protects the camper. However, the insurance only covers your trailer when it’s hooked to your tow vehicle. 

If anything happens to your trailer while stored or unhooked from your tow vehicle at the campsite, it won’t be covered. So, it’s smart to have coverage for a pull-behind camper to cover you in such situations.

Where to Get RV Insurance Quotes

If you want specific numbers, here are some of the best places to get a motorhome, trailer, or campervan insurance quote online. We’ve linked to the quote page.

Types of RV Coverage

average rv insurance cost

What does RV insurance cover? Basically, RV coverage has many of the same protections as a standard car policy, plus some coverage you’d find on a homeowner’s policy. Note there are two types of camper insurance coverage—standard and optional:

Standard RV Coverage 

Standard protection generally mirrors the coverage types you can buy on your car.

Bodily Injury Liability RV Insurance 

Protects you if you’re found at fault for injuring someone in an RV accident. It typically covers expenses such as medical bills, lost wages, and legal fees for the injured party up to the limits of your policy.

Property Damage Liability RV insurance 

Covers repairs or replacement costs for the other party’s property, such as their vehicle, home, or other structures, if you’re at fault for the accident.

RV Collision Coverage 

Helps pay for repairs to your RV if it’s damaged in a collision with another vehicle or object, regardless of fault.

Comprehensive RV Coverage 

This covers damage to your RV caused by events other than collisions, such as theft, vandalism, fire, or severe weather.

Uninsured Motorist/Underinsured Motorist Coverage

Protects you if you’re in an accident caused by a driver who doesn’t have insurance or doesn’t have enough insurance to cover your damages.

Personal Injury Protection (PIP) 

Covers medical expenses for you and your passengers, as well as other expenses like lost wages and funeral costs, regardless of who’s at fault.

Medical Payments Coverage (MedPay)

Similar to PIP, it covers medical expenses for you and your passengers if you’re injured in an accident, regardless of who is at fault.

Optional RV Coverage 

campervan insurance quote

These are additional types of insurance coverage that you can add to your camper insurance policy for extra protection against specific risks. They allow you to customize your policy to better suit your needs and preferences.

Rental Reimbursement 

Helps pay for the cost of renting a temporary replacement vehicle while your RV is being repaired after a covered accident.

Roadside Assistance 

This coverage offers services such as towing, fuel delivery, flat tire assistance, and locksmith services if your RV breaks down while you’re on the road.

Towing and Labor 

Pays for towing your RV to a repair facility and certain roadside assistance services if your RV breaks down while you’re on the road.

Full Time RV Insurance

Also known as full-timer liability, this add-on policy is designed for RVers who use their RV as their primary residence (or for more than 6 months a year). It provides cover for personal liability, injuries, property damage, and other losses that may happen around your RV. It’s similar to a homeowner’s insurance policy.

Safety Glass 

Helps pay for the repair or replacement of damaged safety glass on your RV, such as windshields, windows, and sunroofs. 

International Coverage 

Protects your RV while traveling outside of your home country, whether for short vacations or extended trips.

Campsite and Vacation Liability  

Extends your liability protection to cover accidents that occur while you’re using your RV as a temporary residence, like when camping or parked at a campground.

Pet Injury Coverage

It helps pay for veterinary expenses if your pet is injured in a covered accident while traveling in your RV, such as a collision, fire, vandalism, or theft.

Emergency Expense Coverage 

class c rv insurance cost

This coverage is designed to provide financial assistance for food, lodging, and other travel expenses when your RV becomes uninhabitable due to a covered event, such as an accident, fire, severe weather, or mechanical breakdown.

Contents Coverage  

Provides protection for personal belongings stored inside your RV, such as clothing, computers, electronics, and camping gear, in case of theft, fire, or other covered events.

Total Loss Replacement Coverage

It pays to replace your RV with a new one of a similar make and model if your RV is totaled in an accident within a certain timeframe (typically the first few years after purchase).

Actual Cash Value Coverage 

This type of insurance for RV helps reimburse you for the current market value of your RV in the event of a covered total loss, such as theft, fire, or severe damage beyond repair.

Accessories Coverage

Provides protection for aftermarket accessories and modifications added to your RV. These accessories may include satellite dishes, solar panels, custom electronics, awnings, upgraded appliances, and other enhancements that are not part of the original factory equipment.

RV Insurance Exclusions

What does RV insurance not cover? Motorhome and camper trailer policies typically include certain exclusions, or situations in which coverage may not apply. While specific exclusions vary depending on the insurance provider and policy, some common exclusions found in RV insurance policies may include:

  • Mold or fungi damage
  • Wear and tear
  • Mechanical breakdowns
  • Intentional damage
  • Rodent damage
  • Earthquake
  • Awning damage in some cases
  • Damage from illegal activities like racing or driving under the influence of drugs or alcohol
  • Unapproved modifications
  • Commercial use, such as rental or delivery services
  • Negligence, such as damage caused by your failure to properly maintain or secure your RV, may not be covered. For example, leaving your RV unattended with the keys inside.
  • If someone not listed on your insurance policy as an authorized driver operates your RV and causes an accident, coverage may be limited or denied.

How Much is RV Rental Insurance?

insurance for rv trailer

Generally, RV rental damage protection ranges from $15 to $70 per night, with the average being $30/night. Of course, it depends on the type of RV you are renting, the coverage you choose, and the company providing it.

Most RV rental companies require renters to have insurance coverage before renting an RV. This requirement is in place to protect both the rental company and the renter in case of accidents, damage, or other unexpected events during the rental period. 

Factors that Affect the Cost of RV Insurance

Here are the top factors that affect trailer and motorhome insurance costs.

RV Type 

Factors such as the age, condition, mileage size, model, value, and features of your RV will affect how much it costs to insure. Newer, bigger, and more luxurious rigs attract higher insurance rates.


How you plan to use your RV can affect insurance costs. Full-time RV insurance costs more than premiums for occasional campers.

State and Location 

Where you live and where you plan to use your RV impacts how much you’ll pay. Factors such as crime rates, weather risks, number of accidents, and claims record in your location will affect how much you pay. Further, state insurance regulations can influence premiums. Here are examples of how states differ on motorhome insurance, which in turn affects the rates (be sure to check with the state websites because the provisions do change):

  • RV Insurance Florida – Requires at least $10,000 in personal injury protection and $10,000 or more in personal damage liability.
  • RV Insurance California – Minimum liability coverage of $15,000 in bodily injury per person, $30,000 in total bodily injury per accident, and $10,000 in property damage per accident.
  • RV Insurance Texas – Liability coverage that meets or exceeds $30,000 in bodily injury per person, $60,000 in total bodily injury per accident, and $25,000 in property damage per accident.
  • RV Insurance Colorado – Minimum liability coverage of $25,000 in bodily injury per person, $50,000 in total bodily injury per accident, and $15,000 in property damage per accident.
  • RV Insurance Arizona – The minimum liability coverage is $25,000 in bodily injury per person, $50,000 in total bodily injury per accident, and $15,000 in property damage per accident.
  • RV Insurance Oregon – Requires liability coverage with limits of at least $25,000 in bodily injury per person, $50,000 in total bodily injury per accident, and $20,000 in property damage per accident.

Coverage Selection 

rv insurance rates

The type and level of coverage you choose will affect your insurance premium. Comprehensive coverage with higher limits and additional features will typically cost more than basic coverage.

Driving Record

Your driving history, including accidents, traffic violations, and claims history, is a significant factor in determining insurance rates. Drivers with a clean driving record typically pay lower premiums.

Driving Experience 

Individuals who have been RV owners for years ‌pay less for insurance than inexperienced drivers.

Credit Score 

In some states, insurance companies may consider your credit score when calculating insurance premiums. A higher credit score may result in lower insurance rates.


The deductible is the amount you must pay out of pocket before your insurance coverage kicks in. Choosing a higher deductible can lower your insurance premium, but it also means you’ll pay more in the event of a claim.

Reimbursement Model

If you go for comprehensive RV insurance, you’ll need to pick between coverage up to an agreed market value (actual cash value) or coverage for replacing your vehicle regardless of its market value (guaranteed replacement cost coverage). The latter, available for newer RVs, comes with higher premiums but offers more substantial reimbursement in case of a covered loss. It’s important to note that actual cash value coverage diminishes over time as your RV depreciates in value.

Popular RV Insurance Companies

pop up camper insurance cost

If you’re wondering where to get RV insurance, these are the best camper insurance companies. Many of these options consistently receive great feedback from RV insurance reviews:

  • Roamly (Preferred)
  • Progressive (Best overall)
  • Geico (Best customer service)
  • Nationwide Mutual (offers the best RV insurance for full-timers)
  • Good Sam
  • National General 
  • Allstate (Great for motorhomes)
  • Farmers 
  • State Farm 
  • Liberty Mutual
  • AAA 
  • USAA
  • Safeco
  • Family Motor Coach Association (FMCA)
  • Blue Sky
  • The Hartford
  • Foremost 
  • Miller
  • RV Advantage

Tips for Choosing Affordable RV Insurance

Looking for cheap RV insurance? Or are you wondering how to lower the cost of your existing policy? Here are some brilliant tips:

  • Obtain quotes from multiple insurance companies to compare coverage options and premiums.
  • Consider bundling your RV insurance with other policies, such as auto or homeowner’s insurance, from the same insurer. The rates will be considerably lower than those of a standalone RV policy.
  • Storing your RV in a safe location, such as a gated storage facility or garage, will also lower the cost of RV coverage.
  • Installing safety features can help you get affordable camper protection. Go for features like front and rear cameras, RV alarm, motion sensing lights, GPS tracker, heavy-duty door locks, wheel and hitch locks tire pressure monitoring system. Moreover, you can add anti-lock brakes, airbags, plus smoke and carbon monoxide detectors.
  • Pay your RV insurance premium upfront and in full to get an automatic discount.
  • Lower the agreed value of your RV as it ages/depreciates.
  • Maintaining a good driving record can also help you get affordable RV insurance.
  • Take advantage of discounts. Some RV insurance providers offer discounts if you have no recent claims, take a defensive driving course, become a club member, and always have continuous coverage.
  • One more tip to get cheap RV insurance is to increase your deductible. Just ensure you have enough savings to cover the deductible in case of a claim.
  • If your camper insurance rates shoot up for seemingly no reason, call the provider and talk to them before accepting the renewal. It’s very likely that their policy processing software has selected the highest coverage option. Unless you speak to them, they won’t review and adjust the policy to remove things you don’t really need.
  • Don’t hesitate to switch providers if your rates suddenly become too high and they aren’t willing to reassess the situation.
  • If you own a towable, get truck and camper insurance with the same company. If you’re in an accident, it’s only one deductible for both.

Of course, when considering a company that offers cheap insurance for RVs, make sure their policy features are superior or at par with what other providers offer. Do a lot of research on how well a company pays in case of damage. Some companies take too long to pay, or they often deny legitimate claims.

How Much is RV Insurance: FAQ

rv insurance cost per month

Here are frequently asked questions about insurance for RVs.

Is RV Insurance Required? 

Yes, insurance for a motorhome (driveable RV) is mandatory in every state except New Hampshire and Virginia. For pull-behind RVs, insurance is optional in many states, but it’s still necessary.

Is Insurance Required if I’m Renting an RV? 

RV rental insurance is required whenever you decide to rent an RV. You can get temporary insurance through a rental company or RV rental platform to cover damage you cause to the unit. Insurance for an RV rental starts at $15, depending on the RV type, location, and insurance company.

What’s the Best RV Insurance for Full-Timers? 

Progressive, Allstate, Nationwide, Geico, National General, Foremost, and Miller Insurance Agency all offer great insurance for full-time RVing. They offer liability and personal property coverage. Annual rates, including full replacement value, range between $1,500 and $3,500. 

How Much is RV Insurance in Texas? 

If you own an RV in Texas, expect to pay between $1,000 and $2000 for motorhome insurance and $300 to $800 for a camping trailer. Class As can cost more than $3000 to insure. 

How Much is RV Insurance in California?

California RV insurance rates average around $800. Larger, more luxurious motorhomes will cost over $2,500, while travel trailers start from $200. Motorhome and trailer premiums in The Golden State are slightly lower than in Texas.

Final Thoughts on RV Insurance Rates

Whether you’re shopping for a new policy or considering adjustments to your existing coverage, this post will help you understand what to expect when evaluating different options. Use it to find the right balance between protection and affordability.