RV Insurance Costs: What to Expect (2022)

According to Progressive, one of our RV insurance providers, the average RV policy costs $1,500 a year, or $125 a month. However, this average does not reflect the actual cost of RV insurance.

Individual campers can cost anywhere from a few thousand dollars to over a million dollars. This means that you will see higher insurance premiums based on that alone.

RV Insurance Cost Factors

Beyond the value of your RV, several other variables contribute to your down payment. Here are the most important ones:

The type of RV

Different types of RVs have different features and features that can affect the cost of your treatment. For example, Class A motorhomes are not only more expensive than other types of RVs – they also have many mechanical and electrical components that can cause problems.

Driving History

Whether you tow your RV or drive it, you need to drive it to get it from one place to another. This means that your driving record will be the most important factor in the cost of your cover.

As you might expect, drivers with a good reputation will be able to get the lowest RV rates. If you have any at-fault or at-fault accidents on your record, you can expect to pay more.


How much time do you spend on RV products at your real estate price? Insurance for full-time RVs is more expensive than coverage for temporary campers.

RV Driving Experience

When it comes to your RV insurance premiums, insurance companies don’t take into account your experience behind the wheel and your experience driving the RV. That’s because driving a motorcycle or towing a camper is very different from driving a car. In general, insurance offers lower rates to drivers who have a history of driving or towing RVs.

Credit Score

California, Hawaii, Maryland, Massachusetts, Michigan, Oregon, Utah and Washington all have laws that prohibit insurance companies from using your credit score as a factor in your payment to varying degrees. However, in all other areas, your credit score may play a role in your payment.

As you might expect, people with good credit get the lowest RV insurance rates. Depending on where you live and your insurance, it could be a big deal.


As with other types of insurance, you will have a choice in your RV deductible plan. The lower you put your out-of-pocket expense, the higher you can expect to earn.


Where you see your RV home contributing to your insurance. Insurers adjust rates between countries to account for different laws and risks. Rates can also vary within the same area depending on population density and crime rates.

Return Process

Some RV insurance companies offer different types of loss coverage. The value of real money, for example, only provides the money that the RV is worth during the loss, depreciation. This is the cheapest option.

Mutual benefit reimburses you based on the amount you made with your insurer at the beginning of your policy. You can also get comprehensive loss coverage, which pays out based on the cost of replacing your camper.


The types of insurance you include in your policy and the limits you set affect your premiums. Generally, the cheapest RV insurance policies are the ones that meet the insurance requirements of your state. Adding coverage and raising your limit will make your policy more expensive.

Types of RVs

A big part of the cost of RV insurance is the type of campsites you want to insure. Each type of RV has its own features, amenities and price range, all of which contribute to your cost. Most RVs fall into two main categories.


Campers need a vehicle to tow them and cannot move themselves, meaning they are less mechanical than motorhomes. For this reason, they tend to be less expensive to guarantee. On Progressive’s website, for example, the company says its average RV price was $502 a year in 2020.

Here are the main types of campers you can check:

  • Tear makers: Usually small and cheap RVs, tears can be found in the features they offer. Some are like a bed that turns into a sitting area, while others have built-in bathtubs.
  • Pop-up camps: These RVs get their name from their functionality. While they pack for easy towing, they “pop out” to give you a larger camper when you reach your destination.
  • Travel trailers: One of the most popular types of RVs, travel trailers range from sparsely furnished campers to luxury suites on wheels.
  • Doll carriers: These campers are designed for people who like to include outdoor activities as part of their camping trips. They have plenty of storage space for things like surfboards, fishing gear or a motorcycle or ATV.Winter RVs: Named for their need to be attached to the bed of the car, the fifth wheels are very large and often well placed.

Fire houses

Motorhome RVs are generally more expensive to insure than trailers. Progressive says on its website that the cost of motorhome insurance was $848 a year in 2020, 69% more expensive than the average.

Self-driving RVs generally fall into three categories:

  • Class A motorhomes: The largest and most luxurious motorhomes, Class A RVs are usually built on a chassis and can cost over a million dollars to purchase. According to the National Automobile Dealers Association (NADA), average Class A RV insurance costs between $1,000 and $1,300 a yearbased on 140 days of use.
  • Class B motorhomes: Usually built on a van chassis, Class B RVs are the smallest of the three categories. These luxury cars have become very popular in recent years. Class B RV insurance is usually expensive between $300 and $1,000 a year.
  • Class C motorhomes: Larger than a Class B but smaller than a Class A, Class C RVs are a popular choice for families who need more space but still want an easily maneuverable vehicle. According to NADA data, the average price of these RVs is between $600 and $1,000 a year.

Types of RV Insurance

The types of coverage and limits you choose for your RV insurance are some of the factors that determine your rates. As is premium car insurance providersMost reputable insurance companies offer both standard and additional options to suit the needs of RV owners.

Standard RV Coverage

The most common types of RV insurance you can find are the same as those offered for car insurance. This includes:

  • Personal injury insurance: Pays medical expenses and lost wages for other people injured in an accident in which you are found to be at fault.
  • Property damage insurance: Pays for the cost of damage to other vehicles and personal property due to an accident caused by you.
  • Collision propagation: Covers damages to your RV regardless of who is found at fault in the accident.
  • Full study: Protects your RV from damage from things other than accidents, such as fire, vandalism or weather.
  • Uninsured motorist / uninsured motorist: Covers your medical expenses and property damage if the at-fault driver does not have adequate coverage.
  • Personal Injury Protection (PIP): Covers your and your party’s medical expenses and lost wages if you are injured in an accident, regardless of who is at fault.
  • Medical payments (MedPay): Pays your and your party’s medical bills but does not lose wages if you are injured in an accident, regardless of who is at fault.

Importance of a Random RV

Policy extensions can help you pay for some of the expenses associated with RVing. This varies by provider and sometimes by region. Additional options for RV insurance include:

  • Debt repayment: Covers the cost of renting a car or, in some cases, an RV if your camper is damaged.
  • A regular loan: Covers damages or injuries caused to your RV similar to homeowner’s insurance.
  • Tired of work: Covers the cost of on-site repair and towing if your RV is damaged.
  • Safety glass: Covers the cost of repairing or replacing your windshield, which is often not included in most policies.
  • Worldwide distribution: Covers your RV when you take it abroad.
  • Help on the way: Covers some or all of the costs of road accidents such as fuel delivery, tire repair and towing.
  • Vacation position: Covers claims related to your RV being parked while you are using it on vacation. These types of loans usually do not have fixed terms.
  • Pet injury coverage: Pays for your pet if it is injured in a covered accident.
  • Paying emergency expenses: Pays for food, lodging and other travel expenses if your RV breaks down and takes time to repair.
  • Sound system: Covers the audio equipment in your camper if it is damaged or stolen.

RV Insurance discounts

Discounts are another factor in your camper insurance rates because they lower the cost of insurance. The actual discount offered varies between companies. Sometimes it depends on where you live and what type of RV you have.

Here are some of the discounts you can get on RV insurance:

  • Fellowship: You may get some insurance discounts if you are a member of other RV or camping associations.
  • Soldiers: Some insurance companies offer discounts to active duty, veterans and their families.
  • Many policies: You can get discounts on your RV policy if you combine it with other policies such as homeowners insurance, renters insurance or life insurance.
  • Private passenger: Slightly different than most policy discounts, some insurers will lower your premium if you combine your RV policy with your auto policy in particular.
  • Lots of cars: If you insure multiple campers under the same policy, some insurers will give you a discount.
  • Storage: Equal to minus of boat insurance, some companies allow you to set up a storage period when your RV is not in use. This will lower your overall premium, but your RV will not be covered for most of the time.
  • Free: If you go a long time without filing an insurance policy, some companies will give you a discount.
  • A reliable driver: You can get a discount on some insurances if you don’t have an accident or break anything for a certain period of time.
  • Full payment: Some insurance companies offer discounts if you pay your premiums upfront instead of paying monthly.
  • Safety education: Most insurance companies lower your premiums after you complete an RV certification course.