Average Cost of RV Insurance

A recreational vehicle, or RV, can be used for vacation or as a full-time residence. Either way, it’s a valuable asset that needs to be insured. Having an RV insurance policy is important because it helps protect you and the vehicle in the event of an accident, theft, or breakdown. 

Depending on how much you use your RV, annual insurance premiums can range from $200 to $3,000. Part-timers usually can expect to pay less than $1,000 while full-timers may pay as much as $2,000 to $3,000.

That averages out to around $1,500 a year; however, many considerations go into calculating premiums and discounts, and your insurance rate could end up greater or less than $1,500.

On this page:

• What influences the cost of RV insurance?
• Sample RV insurance quotes
• Common discounts to help you save on RV insurance
• Compare RV policy coverage, not just cost

What influences the cost of RV insurance?

Similar to auto insurance, the price of RV coverage depends on factors like the age and size of the vehicle as well as the driver’s background.

How RV class affects cost

Typically, the bigger or more expensive your RV is, the more it will cost to insure. Insurers rank RVs into three classes: Class A, B, and C. 

• Class A: These are large and luxurious, top-of-the-line motorhomes that look like buses. Generally, they’re pricey, fit up to 10 people, run on gas or diesel, and are the most expensive to insure.
• Class B: This encompasses smaller RVs like camper and sleeper vans. They are more fuel-efficient than Class A vehicles and have limited amenities like kitchens, beds, and toilets. Camper insurance is often the cheapest of the three classes.
• Class C: These are mid-sized travel homes that have a truck or van base with an overhead sleeping area. They can tow a car, are less expensive to own and insure than Class A, but are bigger than Class B.

Additionally, RV insurance can be applied to travel trailers that are towed or attached to a hitch. These include pop-ups and fifth wheels and generally cost less to insure.

How your RV model and specs affect cost 

The features, model, mileage, and age of your RV can affect how much your RV insurance costs.

For example, some features, like slide outs—extended living spaces in Class A motorhomes—can increase the chance of mechanical repairs or tire blowouts, so they may raise your premium.

Newer model RVs may carry less risk because they have warranties and are less prone to breakdowns, whereas older models with more wear and tear and high mileage may cost more.

High mileage, especially on a newer vehicle, could indicate that you’re on the road more often and mark you as a liability risk. At the same time, an older vehicle with high mileage may have an increased chance of breakdowns.

How your RV insurance policy affects costs

The price of your premium ultimately depends on the extent of the insurance coverage that you choose. A basic policy will cost less than full coverage. If you opt for a higher deductible—meaning you will pay more out-of-pocket should an incident occur—then your premium will be lower.

Full-time RVers will need a more robust policy compared to part-timers who can select less coverage for cheaper premiums. (Compare full-time RV insurance)

Your state’s minimum coverage requirements can also have a direct effect on your policy cost. By law, you may be required to carry personal injury protection, uninsured motorist coverage, or a minimum amount of liability insurance.

Sample RV insurance quotes from Progressive

It’s a good idea to get several RV insurance quotes before you commit to a policy. Insurers determine quotes based on different sets of criteria. Two people can have the same exact RV but pay entirely different premiums based on circumstances like age, state of residence, and usage.

We obtained individual RV insurance quotes from Progressive for Class A, Class B, and Class C motorhomes. In these examples, the Class B quote ended up being the most expensive, which usually isn’t the case. Here are the data sets we used for each one.

Class A

• Gender: Male
• Marital status: Single
• RV make/model: 2017 Bounder Motorhome, 35 foot
• Miles: 25,000
• Fuel type: Gasoline
• Frequency: Used 60 days per year
• Safety features: Anti-lock brakes, daytime lights
• Driver: Completed defensive driving course, completed an RV safety course

Provider	Coverage Details	Monthly Cost
Progressive	Bodily Injury, Property Damage (Comprehensive, Collision, Emergency Expenses, Property Replacement in higher-tier plans)	$16.54 (Basic, liability only), $78.43 (Choice, full coverage) $90.49 (Plus, top coverage)

Check out our guide to learn about your Class A motorhome insurance options.

Class B

• RV make/model: 2017 Winnebago Campervan, 24 foot
• Miles: 25,000
• Frequency: Used 60 days per year
• Safety features: Anti-lock brakes, daytime lights Driver: completed defensive driving course, completed an RV safety course

Provider	Coverage Details	Monthly Cost
Progressive	Bodily Injury, Property Damage (Comprehensive, Collision, Emergency Expenses, Property Replacement in higher-tier plans)	$25.34 (Basic, liability only), $76.19 (Choice, full coverage) $91.18 (Plus, top coverage)

Check out our guide to learn about your Class B campervan insurance options.

Class C

• RV make/model: 2017 Thor Motor Coach Freedom Elite, 24 foot
• Miles: 25,000
• Frequency: Used 60 days per year
• Safety features: Anti-lock brakes, daytime lights Driver: completed an RV safety course

Provider	Coverage Details	Monthly Cost
Progressive	Bodily Injury, Property Damage (Comprehensive, Collision, Emergency Expenses, Property Replacement in higher-tier plans)	$16.07 (Basic, liability only), $47.37 (Choice, full coverage) $57.49 (Plus, top coverage)

Common discounts to help you save on RV insurance

Discounts can have a noticeable effect on your RV policy premium. There are common discounts among insurance providers as well as discounts specific to individual insurers. Here are some to look out for when searching for a quote:

• Bundling: Insurers will discount your premiums if you combine multiple insurance policies—car insurance, homeowners insurance, boat insurance—into one policy.
• Good driver: A clean driving record with no accidents or traffic violations in the past three years will usually bring your premium cost down.
• Original owner: Being the first owner of your RV or travel trailer can sometimes earn a policy discount. 
• No smoking: You may have to ask about this one, but some insurers reward customers with savings if they are non-smokers.
• Paperless: Opt-in for paperless statements and billing to receive an additional discount. 
• Homeowner: Get a discount for simply owning a home. The discount can apply to duplexes, condos, and mobile homes. 
• Pay-in-full: Many providers offer a discount if you pay your annual policy upfront instead of splitting it into monthly installments. 
• Safety features: Features like anti-theft, anti-lock brakes, and airbags could net you additional savings.
• Storage option: Some providers allow you to save money by suspending parts of your coverage when your RV is in storage for more than 30 days. 
• Military or professional: Service members, teachers, and government and healthcare workers may be eligible for additional discounts.

Compare RV policy coverage, not just cost

Securing a good rate on your RV insurance policy is important, but you also should review and compare coverage options and validate the reputation of an insurance company prior to making a final selection.

For instance, which policy has better comprehensive and collision coverage or higher liability coverage limits? Are there any included features that add benefits? Read the customer reviews to find out if an insurer denies a lot of claims or raises premiums frequently.

To get you started on your RV insurance search, check out our Best RV Insurance Guide to see our top picks.