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Insurance Auto Insurance

Class B Campervan Insurance

If you’ve just bought a Class B motorhome (often called a campervan), then you’ll need insurance before you hit the road. Class B campervan insurance can protect your investment in the event you’re in a collision or your RV is otherwise damaged or in need of repair.

More than that, though, it’s likely a legal requirement in your state. Since campervans are drivable, they typically fall under the same laws as traditional automobiles, meaning you’ll need at least some level of liability insurance on the vehicle.

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Best Class B campervan insurance providers

There are dozens of campervan insurers from which you can choose. Premiums and coverage options vary greatly from one to the next, so shop around and get quotes from several to ensure you’re getting the absolute best RV insurance at the best price.

Here are our picks for when it comes to insurance for campervans:

Good Sam

  • Full Replacement Coverage? Yes
  • Personal Belongings Coverage: Up to $3,000
  • Multi-Vehicle Discount: Up to 20%

Good Sam is a popular insurance company with RV owners nationwide. It also offers coverage for motorcycles, homes, and traditional automobiles. Good Sam operates the Good Sam RV Club, which offers discounts on fuel, RV accessories, and more to its members.

Here’s a look at the coverage offered by Good Sam:

  • Coverages: Collision, comprehensive, liability, personal injury protection, full replacement, full-timer, emergency expenses, personal belongings, permanent attachments, medical payments, Mexico
  • Driver eligibility: Must be at least 18 years old, have a valid driver’s license, and have a Social Security number
  • Discounts: Multi-vehicle, paid-in-full premiums, safe driver, anti-theft devices, multi-policy
  • Policy features: 24-hour claims reporting, in-storage options, no depreciating values on parts and repairs

National General

  • Full Replacement Coverage? Yes
  • Personal Belongings Coverage: Up to $3,000
  • Multi-Vehicle Discount: Up to 20%

National General is an insurance company that offers RV, car, home, and health insurance. Its RV insurance policies cover all types of recreational vehicles, including Class B campervans, Airstreams, travel trailers, fifth-wheel trailers, and Class A motorhomes.

Here’s a look at National General’s RV insurance options:

  • Coverages: Full replacement, full-time resident, Mexico, specialized equipment, emergency expenses, mechanical breakdown, rental car reimbursement, general liability
  • Driver eligibility: Must have a valid driver’s license
  • Discounts: Paid-in-full premiums, safe driver, low mileage, multi-vehicle, multi-policy, paperless billing, a motorcycle owner
  • Policy features: 24-hour claims reporting, in-storage options, no depreciating values on parts and repairs, new RV search assistance if your campervan is totaled, automatic personal belongings coverage, online claims reporting, theft rewards, free reinspections


  • Full Replacement Coverage? Yes
  • Accident Coverage: Up to $500,000
  • Pet Injury Coverage: Up to $1,000

Progressive is one of the biggest car insurance companies out there, but they also offer coverage for recreational vehicles, too. The company covers Class A, B, and C motorhomes, all kinds of trailers, and various campers, including pop-up versions.

Here’s an in-depth look at what Progressive has to offer:

  • Coverages: Comprehensive, collision, general liability, vacation liability, full-timer, uninsured/underinsured motorist, personal belongings, emergency expenses, roadside assistance, pet injuries, medical payments, total loss replacement
  • Driver eligibility: Must be at least 18 years old, have a valid driver’s license, and a Social Security number
  • Discounts: Advanced quote, paperless billing, original owner, paid-in-full premiums, anti-theft devices, responsible driver, homeowner, claim-free periods, continuous coverage
  • Policy features: Accident forgiveness, disappearing deductibles, 24-hour claims reporting, 24-hour customer service online and via the mobile app

How to get campervan insurance quotes

Getting quotes for campervan insurance is as easy as filling out a few online forms. Before you do that, though, make sure you have the right information on hand.

You’ll need:

  • Details about your RV’s make, model, age, and mileage
  • Info on each driver you want to be insured (birthdate, license status, address, driving history)
  • An idea of what type of coverage you’re looking for

Once you know this info, you can fill out a quote form on each insurer’s website to receive your policy estimate. Most insurance companies also offer over-the-phone quotes, too.

Regardless of how you go about it, make sure you get quotes from at least two or three companies. This will ensure you get the best coverage at the best price.

How much does Class B campervan insurance cost?

Class B campervan insurance is generally going to run you around $1,000 per year, though it varies based on the coverage you choose, the discounts for which you qualify, and many other factors.

You can usually expect the following items to influence your camper’s insurance premiums:

  • Your campervan’s age, make, model, and mileage
  • Any previous damage to the vehicle
  • Whether you use the vehicle full-time or part-time
  • Your driving record and credit

The insurance company you choose will also play a role in what you pay to insure your vehicle.

How much campervan insurance coverage do you need?

At the very least, you need to have the minimum amount of auto insurance required by your state. This varies based on where you live, so check with your local department of motor vehicles for guidance.

You’ll likely need at least some level of personal liability and property liability coverage. These cover damages if someone is injured or another car is damaged in a collision you cause.

Beyond this, you may elect to add additional coverage to protect you from financial loss. These coverages might include:

  • Collision, which covers damage done to your vehicle in a wreck
  • Comprehensive, which covers damage done to your vehicle by weather events, vandalism, etc.
  • Personal belongings coverage to protect any personal items you keep in the camper
  • Roadside assistance, which often includes towing, flat tire service, and more
  • Emergency expenses to cover the costs of food, housing, and other costs due to problems with your RV
  • Permanent attachments coverage, which protects things like antennae, tow kits, awnings, and other items attached to your vehicle
  • Specialty equipment coverage for things like solar panels, custom wheels, etc.

The options for Class B campervan insurance run the gamut, so make sure to shop around before choosing your policy. If you want to continue comparing your options, check out our guide on the best RV insurance.