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How Much Is Travel Trailer Insurance (Lower Average Cost)

How Much Is Travel Trailer Insurance (Lower Average Cost)

  • November 22, 2018 /
  • RVing 101 /
  • By R. Geraldi

Having a home on wheels away from home is thrilling. Every day a new location, new people, and new sights. However, having a travel trailer, an RV, or a camper comes with some responsibilities.

If you’re an owner of a travel trailer or you are just renting one, insurance is something that should be your top priority. Ensuring your travel trailer is just as important as ensuring your house and car. It will give you a piece of mind. However, ensuring your travel trailer can be somewhat tricky. Camping trailer insurance rates vary based on the type of trailer and the type of insurance. Liability and collision insurances are a must, but you also have to think about theft and damage insurances.

Now, the first logical question is “how much is travel trailer insurance?” Depending on the type of your travel trailer, the cost to ensure a travel trailer varies.

Average Cost to Ensure a Travel Trailer

Average cost to ensure a travel trailer

Travel trailer insurance rates can be anywhere between $170 and $1400 . The prices vary and depend on many factors — the size of the trailer, the state the trailer is registered in, how often you use the trailer, and how often it’s on the road.

Therefore, those who only use their travel trailers for vacations a couple of weeks a year won’t pay as much as those who genuinely use their trailers as homes away from home. Of course, owner’s driving record, as well as the value of the contents inside the trailer, all affect the average price for RV insurance .

Popup Camper Insurance Cost

If you paid for your popup camper on the spot or bought it used, you probably don’t have insurance. What’s more, you’re also wondering if you even need insurance on a popup camper. The answer is yes.

However, camper insurance cost varies based on several factors:

  • the overall value of the camper
  • the dimensions — the height and the width
  • how often you use the camper
  • how you store the camper when you’re not using it

If you’re lucky, you might be able to add the popup camper to your current auto or home insurance policy. However, in some cases, you might need to purchase the insurance individually. Nonetheless, you should make sure that your insurance covers:

  • comprehensive damage (theft, weather damage, etc.)

Travel trailer insurance cost for popup campers can be as low as $125. What’s more, popup camper owners usually add their trailers to their existing auto insurance. That’s relatively inexpensive, and it includes the collision and liability coverage. Meanwhile, you can also get theft coverage under their homeowner insurance.

Do You Have to Have Insurance On a Travel Trailer

Do you have to have insurance on a travel trailer

A simple answer to the question “do travel trailers need insurance?” is — yes. Here are a few reasons why.

Wrapping your head around the travel trailer coverage might be difficult. You already have auto insurance, and your car is towing the travel trailer, so that should be enough, right? No, it isn’t. Your auto insurance policy will extend to your travel trailer but only when it comes to liability. That means there’s no actual coverage for the travel trailer. If you cause damage to other people and their property — the insurance agency will cover the cost. However, when it comes to the damage done to your trailer, you’re on your own.

Therefore, you need better coverage. It’s best to go with an insurance policy that includes physical coverage as well.

Does a Tent Trailer Need Insurance

Does a tent trailer need insurance

While tent trailer insurance isn’t obligatory or required by law, we strongly recommend it. As mentioned, you need to protect your property (in this case, your trailer) from any potential damages on the road.

Insurance will give you a piece of mind. Tent trailers are easy to damage — you might get hit while parked, or it might suffer damages from severe weather.

What States Require Travel Trailer Insurance

Minimum liability coverage is required in all the states in the USA. There’s a bare minimum you have to pay, no matter where you’re registered or where you intend to go.

Furthermore, some states require travel trailer owners to have uninsured/underinsured coverage. That means that you might have to pay extra and add a clause to your insurance policy. This will prove very useful if you cause any bodily harm or property damages to underinsured or uninsured drivers. In those cases, the injured or damaged party will get compensation above the limit of your insurance policy.

Does My Auto Insurance Cover My Travel Trailer

In short, the answer is — yes. However, your auto insurance policy covers your travel trailer only while it’s attached to your vehicle. As soon as you unhook the trailer from your car, the insurance is no longer applicable.

That means that your travel trailer is only insured while you’re driving. If you stop and unhook your trailer to go fishing, and a bolt of lightning hits it — you have no insurance and will have to cover the damages on your own.

The way around this is to purchase an insurance policy that’s specific to your travel trailer.

How Does Travel Trailer Insurance Work

Travel trailer insurance means that you are covered at all times, even when you detach your trailer from your car. What’s more, travel trailer insurance covers a lot of potential worst case scenarios.

An insurance policy for your travel trailer will make sure you are compensated for some or all your losses. If your trailer gets damaged or destroyed by other drivers or natural disasters, or if it gets stolen, you can file a claim with your insurance agency and get compensated for the damage.

What Does Travel Trailer Insurance Cover

While you can choose the type of insurance policy you want, there are some requirements when it comes to travel trailer insurance. Your policy depends on the type and size of your trailer, as well as how often you use it and for what purposes.

Typically, travel trailer insurance covers:

  • comprehensive damage

It might seem unusual to have liability coverage, given that your travel trailer has no motor, and you can’t actually drive it. However, travel trailers have been known to unhook from the towing vehicles and cause extensive damage on the road. Therefore, liability coverage is essential.

Collision coverage ensures compensation in case of any damages from accidents. Meanwhile, the comprehensive damage coverage ensures you for damages done by harsh weather conditions like natural disasters. Furthermore, it will also ensure you against theft and vandalism.

You can also get commercial trailer insurance . This is a requirement for all those who use travel trailers for business purposes. For example, auto haulers, concession trailers, dump body and transfer boxes, etc. all need commercial travel trailer insurance.

What Should be Included

Typically, travel trailer insurance should include all mentioned above. Standard travel trailer insurance should cover the following:

  • Collision coverage
  • Property damage that’s limited to your travel trailer
  • Protection in case of personal injuries to you or others
  • Comprehensive damages like theft and natural disasters
  • Uninsured or underinsured motorist coverage
  • Property protection

However, if you’re looking to protect your travel trailer further, you can choose one of the many options of specialized coverage. Specialized coverage will ensure any custom equipment you may have, as well as personal effects. Furthermore, it will also cover total loss replacement, roadside assistance, and vacation liability.

Does Travel Trailer Insurance Cover Water Damage

Given that standard insurance policies don’t include regular wear and tear that also means they don’t cover water damage. Water damage is usually caused by natural aging of your travel trailer will not be compensated by your insurance agency.

If the water damage is a side effect of comprehensive damages , though, your insurance policy will cover it. However, a leaky roof caused by a bit of rust isn’t something you can claim to your insurance agency.

Travel Trailer Insurance Requirements

Travel trailer insurance requirements

When it comes to travel trailer insurance requirements, the difference is clear. If you tow your travel trailer, the insurance is optional, and you are covered on the road under your auto insurance policy. However, if your travel trailer can get from one place to another without the towing (if you can drive it), then the insurance is obligatory.

All vehicles have to have insurance when on the road. Therefore, travel trailers are no exceptions. Every state requires at least a minimum liability coverage for travel trailers on the road.

Where to Get Travel Trailer Insurance

There are plenty of agencies out there that offer travel trailer insurance and RV insurance. Before making any decisions, make sure to check several of them out. However, many travel trailer owners are unsure if the agency is giving them a good deal or not. That’s especially true for first-time owners. If you’re unsure whether you should get an insurance policy with an agency or not, then make sure you check out all your options. We suggest comparing different agencies and their quotes.

You don’t have to run around town to do this. You can use online apps and websites that compare insurance companies and their quotes and see if your agent was telling you the truth when they said their agency is the most affordable. Websites like RVLifestyleExperts.com and RV America Insurance compare agencies and the travel trailer insurance cost estimate for you.

Is Travel Trailer Insurance Worth It

Travel trailer insurance is definitely worth it. When you’re on the road or camping with your friends and family, you don’t think about potential disasters that might strike. Of course not, that’s no way to live. What’s more, drivers who are constantly scared something might happen on the road are a liability. Therefore, you should always focus on driving instead of dwelling on the impending doom as nervous drivers often do.

However, that doesn’t mean that you should act as though nothing will happen. In 2015 alone, there were 6.3 million car-related accidents in the USA. Therefore, while you aren’t obligated to ensure your travel trailer if you’re towing it, in light of these statistics, it would be a wise decision.

Not to mention, accidents and damages done in other ways put your property at great financial risk. Many travel trailer owners don’t have enough financial strength to compensate even minor damages, let alone a total loss. If you’ve paid between ten and twenty thousand for your travel trailer, paying $900 a year to ensure it isn’t that steep of a price.

Travel Trailer Insurance Companies

As mentioned before, there are many insurance companies you can turn to for travel trailer insurance. They will give you camping trailer insurance rates and the travel trailer insurance cost estimate. That way, you’ll be able to make an educated decision and purchase a policy that has the best money to value ratio.

Some of the companies we would recommend are:

  • Good Sam Insurance Agency
  • RV Insurance
  • National General Insurance
  • Progressive Insurance
  • RV America Insurance
  • Geico Insurance
  • Blue Sky Insurance

These are the agencies voted as top insurance agencies in 2018. Many of them offer online quotes, so you’ll be able to check them out without pesky calls from their sales departments.

The Best Insurance for Camper Trailers

The best insurance for travel trailers will keep you safe from liability, collision, and comprehensive damages. However, many agencies are known to throw in a couple of bonuses in insurance policies.

Some of the agencies we’ve mentioned offer clauses in their policies for full- time campers , for example. On the other hand, if you are a first-time camper, you can find a great deal with discounts for new owners.

How Much is RV Insurance in California

How much is RV insurance in California

Travel trailer insurance average cost varies from state to state. For example, it makes a great difference whether you live in North Carolina or in Michigan, at least when it comes to camping trailer insurance rates and the average cost of RV insurance.

North Carolina has the lowest RV insurance rates — $860 per year . That comes up to $71.66 per month. However, the state of Michigan, on the other hand, has much higher average prices — $4490 per year, which comes around $374.16 per month.

When it comes to the state of California, it falls somewhere in the middle. In California, you’ll have to set aside between $800 and $4000 a year for RV insurance. Of course, the more luxurious the vehicle you own, the steeper the price. But the average is still not as high as in Michigan.

RV insurance rates will depend on many factors in all states, not just in California. The type of the RV, make, model, and the year of manufacturing will play a significant role when it comes to the travel trailer insurance rate estimate. Furthermore, how often you use your RV and your driving record can lower or increase your rates.

RV Insurance Cost in Florida

When it comes to RV insurance in Florida, it’s a bit different than in some other states. Mainly because Florida has very low minimum liability standards. In fact, they are the lowest in the entire country. Therefore, you might need to pay for additional coverage. RV accidents and damages can be very costly. The low minimum in Florida will not be able to cover it.

For RVs, Florida has strict insurance requirements. For accidents that include one person and for accidents that involve property damage, minimum liability insurance requirement is $10,000. Meanwhile, the minimum is $20,000 for accidents that involve more people.

Tips to Lower Your Trailer Insurance

There are some ways to deduct the costs of your travel trailer insurance. You can save money and pay a lesser monthly fee if you employ some of these strategies.

Combining Policies

One of the ways to save money on your travel trailer insurance is to combine policies. You probably already have an auto insurance policy and a homeowner insurance policy. You can combine them. What’s more, many agencies offer a multi-policies discount. So if you get two or more policies with one agency, you might get a hefty discount.

For example, consider getting your travel trailer insurance and travel insurance or auto insurance at the same company , and ask for a discount .

Quote Online

This is a simple yet effective way to save money. When you ask for quotes online, you avoid the salespeople on the phone. While they can be helpful, more often than not, they will try to get you to agree to a higher premium or additional features.

What’s more, getting quotes online is less complicated than getting them over the phone or in person. It gives you more time to think about what the most effective option might be. Furthermore, everything is transparent, and you can even customize your quote. If it’s crucial to you to get coverage only for the things you need and nothing more — online quotes are the way to go.

Keep a Good Credit Score

Your credit score is essential for travel trailer insurance. Just like with your auto insurance, the agency will ask for your credit score. That way, they measure your ability to pay back a loan. However, that isn’t the only thing that interests them.

Credit scores also tell them what the odds of you filing a claim are. Therefore, don’t be surprised if your rates are higher than you expect . Even if you’ve never had any accidents, that might be due to your bad credit score.

Some agencies offer employer discounts on business travel trailers. This is another handy way to save some money on your insurance policy. However, keep in mind that some agencies only offer discounts if the employer is contributing and paying at least a portion of the premium. What’s more, there are agencies that offer discounts only if the employer pays the entire premium.

Increase The Deductibles

When you raise your deductible, you’ll lower the premiums. The relationship between deductibles and the premiums is something to keep an eye out for. When you pay in on any claims that need to be paid out, that will have a positive effect on your premiums.

We hope we’ve managed to answer your question — how much is travel trailer insurance? On average, travel trailer insurance varies not only by state but based on many other factors as well. If you’re thinking of purchasing a travel trailer, then this is something you definitely need to consider.

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How much does RV insurance cost?

How much does RV insurance cost?

$500 – $1,500 average cost per year.

Tara Farmer

Average RV insurance cost

RV insurance costs $500 to $1,500 per year on average, depending on the size, type, usage, and level of coverage you choose. The average RV insurance cost per month is $15 to $50 for a travel trailer, while insuring a self-propelled, Class A, luxury motorhome averages $50 to $200 per month .

Average annual cost of RV insurance - chart

RV insurance cost per month by type

Monthly RV insurance rates vary depending on the type of RV. An RV you drive typically costs more to insure than one you tow behind another vehicle. In general, the higher your RV's value, the more you'll pay to insure it.

Towable RV / trailer

Towable RVs or trailers typically do not require liability insurance because the towing vehicle's liability insurance extends to the trailer. However, you'll need comprehensive and collision insurance to cover damage to the trailer itself.

Towable RVs include travel trailers, teardrop campers, pop-up campers, 5th-wheel RVs, and toy haulers.

Most towable trailers range from 10 to 40 feet in length and weigh 1,000 to 12,000 pounds.

Motorhomes are drivable RVs that function as both a vehicle and a living space. Motorhomes cost more to insure than towable RVs because they have more features and cost more to repair or replace. These "homes on wheels" are categorized into three classes, with varying sizes, values, and corresponding insurance rates.

A new RV costs $20,000 to $100,000 for a towable model or $50,000 to $600,000 for a motorhome, not including insurance, fuel, or other costs of ownership.

RV insurance cost calculator

The type and level of coverage greatly impacts RV insurance rates. However, other factors also play a role in determining your rate, including:

High vs. low deductible: Opting for a higher deductible—the amount you pay out of pocket before insurance kicks in—can lower your premium costs. However, it's important to choose a deductible you're comfortable paying in case of a claim.

Reimbursement model: Premiums are lower for a policy that pays the RV's depreciated value than for one that replaces your totaled RV with the same model or one with similar features. "Agreed value" is another option where the provider pays an amount you both agree upon when setting up the policy.

RV age: Your RV's age, type, and condition impact your insurance rate. Older RVs are sometimes more expensive to insure than newer models due to their increased risk of mechanical issues. However, newer models typically carry higher value, which can also affect insurance premiums.

Full-timers who live in their RV year-round typically pay more than occasional users, with some policies and premiums similar to homeowners' insurance. The final cost depends on your location and whether you own the RV:

Owned vs. financed RV: Lenders typically require comprehensive and collision insurance if they loan or lease the RV to you. If you own your RV outright, you may only need liability insurance. However, comprehensive and collision insurance gives you much more protection.

Location & travel plans:

RV insurance requirements vary by state, region, and even zip code.

Rates are often higher in heavily populated areas, areas with high crime rates, and those with frequent extreme weather, as all these factors increase the risk of RV damage.

If you're planning a drive out of the country, you may need additional coverage.

While part-timers using the RV for recreation typically pay less for insurance coverage, mileage is also a factor. Frequent long trips may increase rates since more miles on the road means greater risk.

Driver experience & history

If you have a clean driving record, you'll likely pay less for RV insurance. Additionally, driving an RV is much different than driving a car, so a seasoned RV driver typically pays less for insurance than someone brand new to operating an RV.

Other personal history that may impact your RV insurance costs include:

Claims history: Filing frequent insurance claims, even for small incidents, could cause premiums to rise substantially over time.

Credit score: Depending on where you live, your credit score may impact your RV insurance rate. Eight states–California, Hawaii, Maryland, Massachusetts, Michigan, Nevada, Oregon, and Utah–restrict the use of credit scores in determining your insurance rates.

RV insurance coverage options

The level of additional coverage you select has a major impact on your rates. You have several options beyond the required insurance coverage to increase your protection. The following list details some of the most common coverage options:

Comprehensive & collision:

Most lenders require this extra coverage if you've financed or leased the RV. Additionally, all travel trailers must have this coverage, even if you own them outright.

Collision covers damage from an accident, while comprehensive covers RV damage that results from other events over which you have no control, such as theft or extreme weather.

Uninsured & underinsured motorist: Many states require uninsured motorist (UM or UMBI) or both that and underinsured motorist (UIM) insurance to help cover your medical expenses if the at-fault driver does not have liability insurance at all or if the liability insurance they have is not sufficient.

Vacation liability: Standard liability insurance typically only covers damage from incidents that occur while driving the RV. Vacation liability insurance provides coverage when the RV is parked or camped.

Medical payments: This add-on covers injuries you or your passengers sustain during an accident, regardless of who is at fault.

Roadside assistance: As the name suggests, roadside assistance helps for non-collision events that happen on the road, like breakdowns, flat tires, or running out of gas.

Safety glass replacement: Standard RV insurance policies typically do not cover windshield repair or replacement.

Rental reimbursement: This add-on pays for some or all the cost if you need to rent a vehicle while your RV is in the shop after a collision or other damaging event.

RV motorhome parked at a camp site

Cheap RV insurance & discounts

In addition to choosing a plan with a higher deductible and a reimbursement model that offers lower premiums, you can often reduce your RV insurance rate with several additional discounts, including:

Associations: Some providers offer discounts for members of RV-related organizations, such as the Family Motor Coach Association (FMCA), or Kampgrounds of America (KOA).

Good driver: RV insurance policies are typically cheaper for people with no history of accidents or violations. Additionally, some companies discount your rate if you remain accident free for a certain length of time.

Loyalty / continuous coverage: Insurance companies sometimes offer discounts for drivers who've been insured continuously for a specified amount of time, as this signals that the driver is lower risk than one who let their insurance lapse for any amount of time.

Military: Veterans or active-duty military often receive an additional 5% to 15% discount.

Multi-policy: Consider bundling your RV insurance with your other insurance policies to get a discounted rate. Most insurance companies who offer home, renters, and auto insurance also offer RV insurance.

RV safety features: RVs with anti-theft devices, backup cameras, stability control and other safety features may qualify for additional discounts. Keep records of any upgrades you make to the RV to help maximize your coverage.

Safety education: Some companies discount your RV insurance if you complete a safety course.

Storage: Insurance plans cost less if you store your RV for part of the year. However, confirm your coverage terms to ensure you have the protection you need, as some policies do not cover the RV during the storage time.

Ask your potential insurance provider if they offer an extra discount for choosing paperless statements. Digital communication saves the insurance company money, so they may pass some of that savings down to you.

RV insurance FAQs

Is rv insurance required.

RV insurance requirements vary based on the state, RV type, and whether you own or lease it. All states require liability coverage for drivable RVs, but the required minimum amounts also vary by state. For towable RVs like travel trailers, the towing vehicle's coverage typically extends to the trailer.

What type of insurance does an RV need?

Like car insurance, most RVs need insurance to cover the RV itself as well as liability insurance to protect you financially if the RV causes damage or injuries to others or their property. While not all states require it, consider full coverage options, especially if you call the RV "home" full- or part-time.

What is vacation liability RV insurance?

Vacation liability RV insurance covers claims for damage or injuries that happen while your RV is parked and while you’re camping or using it for recreational purposes. Most standard liability insurance policies only cover damage or injuries that occur when the RV is on the road.

Does RV insurance cover water damage?

RV insurance may cover water damage depending on the policy and the circumstances of the damage. Comprehensive policies typically cover water damage caused by events out of your control, like a hailstorm or hurricane. Collision insurance coverage may cover water damage resulting from an accident.

You may need additional coverage for flood damage. Check your policy terms or discuss your coverage and options with a qualified insurance agent to ensure you have a level of coverage with which you are comfortable.

Are RV awnings covered by insurance?

Most comprehensive or collision RV insurance policies cover awnings if the damage occurred by a covered event, such as a vehicle accident or a natural disaster. Liability-only policies do not cover awning damage. Additionally, most policies don’t cover damage due to normal wear and tear.

Is RV insurance cheaper than car insurance?

RV insurance is often cheaper than car insurance since RVs are used less annually than cars in many cases. However, rates vary based on many factors. Insuring a towable travel trailer typically costs less than car insurance, but insuring a fully loaded, Class A, luxury motorhome may cost much more.

How to find the best RV insurance

Before contacting RV insurance companies near you for quotes, decide how much coverage you want and how much you're willing to pay out of pocket if your RV is damaged. Then follow these guidelines:

To get the most accurate quotes, provide all the details about your RV—the make, model, features, age, and condition—as well how many days per year you use it.

Check out insurance company reviews on HomeGuide and Google to see if they are known to frequently raise premiums or deny a lot of claims.

Look on the company websites for current rate information and cost calculators.

Compare at least 3 quotes with similar details from different insurance companies.

Compare the coverage details of each policy and choose the one that best fits your needs and budget.

Questions to ask an RV insurance agent

Asking the right questions ensures you know exactly what the insurance policy costs and covers.

How much insurance do I need for my RV?

What additional coverage do you recommend, and how much does it raise my rate?

Does the policy cover personal property inside the RV?

Are my RV upgrades covered by this policy?

Does the policy cover towing and other roadside assistance?

Am I still covered if my usage increases?

I live in my RV. Do you offer "full-timer" RV insurance?

What reimbursement methods do you offer, and which do you recommend for me?

Do I qualify for any discounts?

What is the payment frequency?

Which payment methods do you accept?

Using our proprietary cost database, in-depth research, and collaboration with industry experts, we deliver accurate, up-to-date pricing and insights you can trust, every time.

RV cost

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Discover how RV insurance rates vary by model, location, etc.

Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.

paul martin

Paul Martin is the Director of Education and Development for Myron Steves, one of the largest, most respected insurance wholesalers in the southern U.S.

RV parked in forest besides a river . Find RV Insurance Cost.

When shopping for coverage to protect your RV, it's handy to have some average cost figures in mind. If you don't use your RV full time, you could pay as little as $200 per year, while full-time RV drivers can pay as much as $3,000. Currently, the average cost of RV insurance for the US overall is $1,500 annually. 

Luckily, an independent insurance agent can not only help you get equipped with all the RV insurance you need, but can also help you find the most affordable, yet quality, coverage. They are knowledgeable about RV insurance rates in their local areas and dedicated to customer service. They'll shop and compare quotes from multiple carriers for you. But first, here's a closer look at RV insurance costs. 

How Much Does the Cost of RV Insurance Vary by Location?

Like many other types of coverage including car insurance , RV insurance costs vary by location. This year, the average annual cost of RV insurance in Washington, DC, is $2,610. RV owners in Texas pay an average of less than $1,500 per year, while those in Oregon pay even less, just under $1,100. 

The most expensive state for RV insurance is Michigan, because of its local laws that require RV owners to purchase personal injury protection along with their regular coverage. RV owners in Michigan pay an average of $4,500 annually for their coverage, the highest in the nation, by far.

What Factors Influence the Cost of RV Insurance?

Also similar to car insurance, RV insurance's rates are influenced by many factors. For starters, the class of your RV greatly impacts your premiums. 

Here's a breakdown of how RV class affects insurance rates:

  • Class A:  The biggest of the motorhomes, Class A RVs are the most expensive to insure by far. These RVs are expensive to purchase and might run on diesel fuel, often fitting up to 10 passengers. Coverage for Class A RVs averages $1,150 annually.
  • Class B:  Much smaller than Class A, Class B RVs include camper and sleeper vans and similar models. Class B RVs are often equipped with beds, kitchens, and even toilets. Coverage for Class B RVs averages $1,000 annually.
  • Class C:  Smaller than Class A but larger than Class B, Class C RVs fall into the middle of the pack, according to size. Class C RVs have truck or van bases and an overhead sleeping area for their passengers. Coverage for Class C RVs averages $900 annually.

An independent insurance agent can help you find the right coverage for your RV by its specific class and other distinguishing features. 

Save on RV Insurance

Our independent agents shop around to find you the best coverage.

How RV Models and Specs Influence Coverage Rates 

Other components that influence the cost of your RV insurance are your RV's model and other specs. These include its:

  • Special features

Typically, the more expensive your RV is to purchase and repair or maintain, the more expensive its insurance rates are. Older RVs that are in worse condition can be seen as a larger risk to insurance companies and can cost more to insure. The amount of annual mileage your RV accumulates also influences your premiums, as being on the road more leads to more liability risk, and therefore higher rates.

The Type of RV Insurance Policy Influences Your Rates

Of course, the type of RV insurance you buy will also significantly affect your coverage rates. The simpler your coverage, the cheaper it's likely to be. And just like many other policies, those with a higher deductible tend to come with lower monthly or annual premiums.

Full coverage for an RV is more expensive and complex than basic coverage. Also, full-time RV drivers naturally require more coverage than part-time users who only take their RVs out on occasional trips. An independent insurance agent can help you get set up with all the coverage you need for your specific RV usage and break down how it influences your policy's rates.

Additional Factors That Influence Your RV Insurance Rates

There are more factors that can affect how much your RV insurance can cost. These include:

  • Your RV driving experience: The more experience you have as an RV driver, the less risky you are to insure.
  • Your driving records: Insurance companies consider your driving records when calculating the cost of your RV insurance, and award cheaper premiums to those with clean, accident-free histories. 
  • Your future mileage: RV drivers who travel farther distances are considered riskier to insure than those who don't.
  • Your claims history: Like many other policies, your claims history also influences the cost of your RV insurance.

An independent insurance agent can help explain all the factors that could potentially influence the cost of your RV insurance in depth. 

Common Discounts That Can Help You Save Big on RV Insurance

It's always helpful to know all the discounts that exist on the coverage you're shopping for. RV insurance comes with several discounts of its own. Check out some common examples below:

  • Good driver discount: A clean driving history with no traffic violations or accidents can help cut your RV insurance costs. 
  • Military or professional: You can save money on your RV insurance premiums if you're a service member, healthcare worker, government employee, or teacher.
  • Homeowner discount: Some insurance companies reward RV owners just for owning a traditional home along with their RV. 
  • Paid-in-full discount: Opting to pay your premium in full and up front can save you not only time and paperwork, but also money on your coverage.
  • Storage discount: Your insurance company may cut you a break on your coverage costs if you store your RV in a carport or garage when not in use.
  • Safety features discount: Installing safety features like anti-theft devices and airbags can help you reduce the cost of your coverage as well.

An independent insurance agent can help scout out any and all applicable RV insurance discounts that you qualify for to help you save the most money possible.

Best Insurance Companies for RV Insurance

Finding the best carrier for RV insurance is easy when you work with an independent insurance agent. They know which insurance companies to recommend to meet your needs, and can provide informed suggestions based on company reliability, rates, and more.

While many insurance companies might offer discount RV insurance, finding coverage could also depend on the area you live in. Here are a few of the top companies for discount RV coverage.

Why Choose an Independent Agent?

It’s simple. Independent insurance agents simplify the process by shopping and comparing insurance quotes for you. Not only that, but they’ll also cut the jargon and clarify the fine print so you know exactly what you’re getting.

Independent insurance agents also have access to multiple insurance companies, ultimately finding you the best discount RV coverage, accessibility, and competitive pricing while working for you.

https://www.nadaguides.com/RVs/shopping-guides/how-much-is-rv-insurance  

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Cost of RV Insurance

The cost of RV insurance can range anywhere from $600 to $3,000 per year and costs will vary based on factors such as the vehicle type and coverage level

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Daniel is a MarketWatch Guides team writer and has written for numerous automotive news sites and marketing firms across the U.S., U.K., and Australia, specializing in auto finance and car care topics. Daniel is a MarketWatch Guides team authority on auto insurance, loans, warranty options, auto services and more.

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Rashawn Mitchner is a MarketWatch Guides team editor with over 10 years of experience covering personal finance and insurance topics.

Key Takeaways:

  • RV insurance can cost about $125 per month on average depending on your RV and situation.
  • Motorhome insurance for full-timers is typically more expensive than standard policies and can be as expensive as $3,000 per year.
  • RV insurance cost depends on your RV, driving history, RV experience, credit score, location, and more.
  • You can save money by bundling insurance policies, establishing a storage period, completing a safety course and more.

Without getting actual quotes for your recreational vehicle (RV), finding precise information about the cost of RV insurance can be difficult. While a commonly quoted figure is that camper insurance costs around $1,500 per year on average, the truth is that the cost of your RV policy will likely vary — perhaps by a lot.

In this article, we at the MarketWatch Guides Team explore what goes into the cost of RV insurance and how you might be able to get lower premiums. We’ve also included a few of the best RV insurance companies to start your search with.

Compare Car Insurance Rates

Why You Can Trust The MarketWatch Guides Team

The MarketWatch Guides Team is committed to providing reliable information to help you make the best decision possible about insuring your vehicle. Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. After 800 hours of research, the end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Learn more about our methodology and editorial guidelines .

How Much Is RV Insurance?

According to Progressive, one of our recommended RV insurance providers, the average RV policy costs around $1,500 per year, or about $125 per month. However, this average doesn’t necessarily reflect the true range of the cost of RV insurance. Campers themselves can range in cost from just a few thousand dollars to well over a million. That means you’re going to see a wide range of insurance costs based on that factor alone.

RV Insurance Cost Factors

Beyond the cost of your RV, several other variables play a role in your premiums. These are the ones that have the greatest impact:

Different types of RVs have varying features and amenities that can factor into the cost of your coverage. For example, Class A motorhomes aren’t just generally more expensive than other types of RVs — they also tend to have a higher number of motorized and electrical parts that can cause problems.

Driving History

Whether you tow your RV or drive it, you have to pilot it to get it from one place to the next. That means your driving record will be an important factor in the cost of your coverage.

As you’d expect, drivers with a clean record will have access to the lowest RV premiums. If you have any violations or at-fault accidents on your record, you can expect to pay more.

How much time you spend in your RV factors into the cost of your premium. Insurance for full-time RVers is typically more expensive than coverage for part-time campers.

RV Driving Experience

When it comes to your RV insurance premiums, insurance agencies consider not only your experience behind the wheel of a car but also your experience piloting an RV. That’s because driving a motorcoach or towing a camper are fundamentally different from driving a car. Typically, insurers offer 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 restrict insurance companies’ ability to use your credit score as a factor in your premiums to varying degrees. However, in every other state, your credit score could play a role in what you pay.

As you might expect, people with good credit scores get access to lower rates for RV insurance. Depending on where you live and your insurer, it could have a major impact.

Graphic showing seven ways to improve your credit score

Just like with other forms of insurance, you’ll have some choice over your RV policy deductible. The lower you set your out-of-pocket expenses, the higher you can expect your premiums to be.

Where you consider your RV’s home base to be contributes to your insurance premium. Insurers adjust rates between states to account for different regulations and risk factors. Rates can also vary within the same state based on variables such as population density and crime rates.

Reimbursement Model

Some RV insurance companies offer different loss reimbursement models. Actual cash value coverage, for example, only pays out the amount the RV is worth at the time of the loss, depreciation included. This is typically the more affordable option.

Agreed value coverage reimburses you based on an amount you set with your insurer at the beginning of your policy. You may also be able to get total loss replacement coverage, which pays out based on the cost to replace your camper.

The types of insurance coverage you include in your policy and the coverage limits you set impact your premiums. In general, the cheapest RV insurance policies are ones that meet your state’s minimum insurance requirements. Adding coverage and raising your limits will make your policy more expensive. If you financed your RV, your lender will usually require you to add comprehensive and collision coverage to your policy.

Types of RVs

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

Towable campers require a vehicle to pull them and can’t move on their own, meaning they have fewer mechanical systems than motorhomes. For that reason, they’re typically cheaper to insure on average. On Progressive’s website, for example, the company states that its average towable RV policy cost was $502 per year in 2020.

These are the main types of towable campers you can insure:

  • Teardrop campers : Typically the smallest and least expensive RVs, teardrops can range in the amenities they offer. Some are little more than a bed that converts to a seating area, while others may have built-in bathrooms.
  • Pop-up campers : These RVs get their name from their functionality. While they pack down for easy, aerodynamic towing, they “pop up” to offer the experience of a full-size camper when you reach your destination.
  • Travel trailers : One of the most popular types of RVs, travel trailers range from minimally outfitted campers to luxury suites on wheels.
  • Toy haulers : These campers are meant for people who like to include outdoor sports as part of their camping trips. They feature plenty of space to store items like surfboards, fishing gear or even a motorcycle or ATV.
  • Fifth-wheel RVs : Named for their need to be connected to the bed of a truck, fifth-wheelers are the largest and typically most well-appointed towables.

Motorized RVs are typically more expensive to insure than towables. Progressive says on its website that its average motorhome insurance policy cost was $848 per year in 2020, 69% more expensive than its average towable policy. 

Self-propelled RVs generally fall into one of three categories:

  • Class A motorhomes : The largest and usually most luxurious motorhomes, Class A RVs are often built onto a bus chassis and can cost well over a million dollars to purchase. According to data from the National Automobile Dealers Association (NADA), the average Class A RV insurance policy costs between $1,000 and $1,300 per year , based on 140 days of usage.
  • Class B motorhomes : Usually built on a van chassis, Class B RVs tend to be the smallest of the three classes. These highly maneuverable camper vans have become more popular in recent years. Insurance for a Class B RV typically costs between $300 and $1,000 per year .
  • Class C motorhomes : Larger than Class B but smaller than Class A, Class C RVs are a popular choice for families who need more space but still want a vehicle that maneuvers easily. According to NADA data, the average premium for these RVs is between $600 and $1,000 per year .

Types of RV Insurance

The types of coverage and limits you choose for your RV insurance policy are among the key factors that determine your rates. Just as with top car insurance providers , most reputable insurers offer both standard coverages and add-ons tailored to the needs of RV owners.

Standard RV Coverage

The standard coverage types you’ll find for RV insurance are practically identical to those offered for car insurance. Here’s what standard RV insurance covers:

  • Bodily injury liability insurance : Covers medical costs and lost wages for other parties injured in an accident for which you are found at fault.
  • Property damage liability insurance : Covers the cost of damages to other vehicles and personal property resulting from an accident you cause. 
  • Collision coverage : Covers damages to your RV regardless of who is found at fault for an accident.
  • Comprehensive coverage : Covers damages to your RV from sources other than accidents, such as fire, vandalism or weather.
  • Uninsured motorist/underinsured motorist : Covers your medical expenses and property damages if an at-fault driver doesn’t have sufficient coverage.
  • Personal injury protection (PIP) : Covers your and your party’s medical expenses and lost wages if you’re injured in an accident, no matter who is found at fault.
  • Medical payments coverage (MedPay) : Covers your and your party’s medical bills but not lost wages if you’re injured in an accident, regardless of who is at fault.

Optional RV Coverage

Policy add-ons can help you cover some of the other costs associated with RVing. These coverages vary by provider and sometimes by area. The most common additional coverage options for RV insurance include:

  • Rental reimbursement : Covers the cost of renting a car or, in some cases, an RV if your camper breaks down. 
  • Full-timer liability : Covers damages or injuries caused by your RV similar to a homeowners insurance policy.
  • Towing and labor : Covers the cost of on-site repair work and towing if your RV breaks down.
  • Safety glass : Covers the cost of repairing or replacing your windshield, which is typically not included in most standard policies. 
  • International coverage : Covers your RV while you’re taking it to another country.
  • Roadside assistance : Covers some or all of the cost of emergency roadside services like fuel delivery, tire repair and towing.
  • Vacation liability : Covers liability claims against your RV while it’s parked when you are using it on vacation. This kind of liability is typically not covered by a standard policy.
  • Pet injury coverage : Covers your pet’s medical bills if they are injured in a covered accident.
  • Emergency expense coverage : Covers food, lodging and other travel expenses if your RV breaks down and takes time to be repaired.
  • Sound system : Covers the audio equipment in your camper if it’s damaged or stolen.

RV Insurance Discounts

Discounts are also a factor in your camper insurance rates as they lower the cost of coverage. The actual discounts offered vary between companies. They sometimes depend on where you live and what kind of RV you have.

These are some of the more common discounts you’ll find on RV insurance:

  • Association : You can get a discount from some insurers if you’re a member of certain RV or camping organizations.
  • Military : Some insurance companies offer discounts to active-duty service members, veterans and their families.
  • Multi-policy : You can often get a discount on your RV policy if you combine it with other policies like homeowners insurance, renters insurance or life insurance.
  • Private passenger : Slightly different from a multi-policy discount, some insurers lower your premium if you combine your RV policy with your auto policy specifically.
  • Multi-vehicle : If you insure multiple campers under the same policy, some insurers will give you a discount.
  • Storage : Similar to a discount for boat insurance , some companies allow you to establish a storage period when your RV is not in use. This will lower your overall premium, but your RV won’t be covered in most cases during this time. 
  • Claim-free : If you go an extended amount of time without filing an insurance claim, some companies offer a discount.
  • Responsible driver : You can get a discount from some insurers if you don’t get into any accidents or have any violations for a certain period of time. 
  • Paid in full : Some insurers offer a discount if you pay for your policy up front rather than by monthly payments.
  • Safety course : Many insurers will lower your premium if you complete an approved RV safety course.

How To Lower the Cost of RV Insurance

While many of the factors that influence the cost of insurance for your RV are out of your control, there are some things you can do to find cheaper rates.

Look For Discounts

One of the easiest ways to save is to take advantage of RV insurance discounts. Some discounts are similar to those you might find for auto insurance , like bundling, while others are specific to RVs — like a discount for taking an RV safety course. You can look for discounts that apply to you on an insurer’s website or find them listed in our reviews. However, insurance companies often offer discounts that aren’t listed on their websites. An insurance agent may be able to tell you about additional savings opportunities.

Bundle Your RV Policy

Your current auto insurer is a good place to start your search because most companies offer a bundling discount. However, not all insurers offer auto and homeowners insurance in addition to RV insurance, and some may not allow you to bundle RV coverage.

If your current insurer doesn’t allow you to bundle your RV coverage, find an insurance company that does. Ask for a combined quote for all the insurance policies you need and use that as a comparison.

Establish a Storage Period

Some insurance providers offer a lower rate if you agree to store your camper for an established period of time during the year. If there are times you know you’re unlikely to use your RV, you may be able to get cheaper coverage by establishing a storage period with your insurer.

Complete an RV Safety Course

Most of the insurers in our study offer a discount for completing an approved safety course. These courses can help you learn to be a safer RV driver and learn how to avoid common sources of damage.

Raise Your Deductible

Being on the hook for more money when you need a repair isn’t ideal, but it can help lower your premiums. If you need to save a little money on your RV insurance and can accept the risk of having to pay more out of pocket, lowering your deductible can help.

Shop Around

Shopping around can potentially net you big savings on your RV coverage. You may have already compared auto insurance when you insured your car, and this works the same way. Since companies weigh certain risk factors and variables differently, you may see substantially different quotes from each insurer, even based on the same camper, policies, limits and drivers.

Cost of RV Insurance: The Bottom Line

There are many variables that go into the cost of RV insurance coverage. That’s why even though the average premium for RVs is around $1,500 per year, actual costs can vary greatly. In general, you can expect to pay anywhere from a few hundred dollars per year to several thousand.

While you only technically need RV insurance for a motorhome and not for a towable, you probably want it in both cases. In addition to traffic accidents, campers combine the risks of both automobiles and homes, meaning there are several ways things can go wrong. Full coverage RV insurance can protect your investment and keep you out on the road and exploring.

RV Insurance Quotes

Using our tool below, you can get personalized RV insurance quotes for your vehicle.

Recommended RV Insurance Providers

The only way to know your actual cost of RV insurance is to get a quote. We at the Guides Auto Team recommend getting several RV insurance quotes to compare your options and find the best combination of cost and coverage for your needs. The following providers are good places to get started.

Nationwide: Top Choice for Full-Timers

Nationwide offers a portfolio of coverage options that make it a good choice for full-time RV insurance. People who call their RVs home can get the personal liability coverage they need to protect themselves as well as options like replacement cost coverage for personal belongings. Recreational campers can find options that work well for them, too.

Progressive: Editor’s Choice

In our industry-wide study of the best RV insurance companies, Progressive earned the highest score and took home our Editor’s Choice award. That’s mainly because, as an RV insurance provider, the company offers an unrivaled combination of coverage options and discount opportunities. People can get just about any kind of insurance coverage they need at affordable rates at Progressive.

Keep reading: Progressive RV insurance review

Cost of RV Insurance: FAQ

Below are some frequently asked questions about rv insurance costs:

What does RV insurance typically cost?

Generally speaking, the average cost of an RV insurance policy is around $1,500 per year. However, the cost of RV insurance varies greatly depending on a number of factors, including the value of your camper, your driving record and more.

What kind of insurance do you need on an RV?

If you have a motorized RV, you need to carry at least your state’s minimum required auto insurance. You are typically not required to have insurance on a towable RV.

Is RV insurance cheaper than regular insurance?

Your RV insurance could be cheaper than your regular auto insurance depending on the type of camper you have and other factors. Insurance for most towable RVs, for example, is typically much cheaper than auto insurance for similar types and amounts of coverage. However, insurance for something like a luxury-level Class A RV may cost far more than standard auto insurance.

Which states have the cheapest RV insurance?

Maine, New Hampshire and Ohio typically have the cheapest rates for auto insurance in the country. While that doesn’t necessarily mean they have the lowest average RV insurance rates, you can expect camper coverage to be relatively cheap in these states.

Our Methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

  • Cost : Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
  • Coverage : Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
  • Reputation and experience : Our research team considered market share, ratings from industry experts and years in business when giving this score.
  • Availability : Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
  • Customer experience : This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Our credentials:

  • 800 hours researched
  • 45 companies reviewed
  • 8,500+ consumers surveyed

*Data accurate at time of publication.

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Table of Contents

What basic RV insurance covers

Other rv insurance options, what’s excluded from rv insurance, who needs rv insurance, where to buy rv insurance.

Whether you plan on using your RV as a full-time home or for occasional road trips, insurance is a must. Adding your RV to an existing car insurance policy may be an option, but RVs are much more than just cars. For better financial protection, consider RV insurance. This coverage combines elements of auto and home insurance to account for the unique potential problems with a recreational vehicle.

See what you could save on car insurance

Easily compare personalized rates to see how much switching car insurance could save you.

A basic RV insurance policy may include slightly different coverage types depending on the insurer, but you can expect the following to be required or added automatically when you get a quote:

Liability insurance : To legally operate your RV, you’ll need at least the same amount of liability coverage that your state requires for car insurance. If you ever cause a crash, liability covers others’ injury and property damage costs, up to your limit.

» MORE : Minimum car insurance requirements by state

Collision and comprehensive coverage : Collision coverage helps pay for repairs to your RV if you cause a crash or run into objects such as a tree or street sign.

Comprehensive covers a variety of issues, including theft of your RV, animal collisions, falling objects, vandalism and more.

Note that collision and comprehensive come with a deductible, which is the amount your insurer subtracts from claim payments. If you file a claim for $2,000 to repair damage from a fallen tree branch, for instance, and you have a $500 deductible, your settlement would be $1,500.

Uninsured/underinsured motorist coverage : Uninsured/underinsured motorist bodily injury coverage helps cover your and your passengers’ injury treatment if you’re hit by a driver who doesn’t have insurance, or who has some insurance but not enough to cover your bills.

Uninsured/underinsured motorist property damage coverage kicks in at the same time but goes toward repairing your damaged RV.

Medical payments coverage : If you crash your RV, this coverage pays for injury treatment for you and your passengers, no matter who was at fault in the incident.

If you want only the basics, such as liability insurance, comprehensive and collision, consider adding your RV to your auto policy, which offers those same benefits.

However, RV insurance includes several additional options that car insurance can’t.

Full replacement cost : If your RV is stolen or totaled, comprehensive coverage through car insurance typically pays a depreciated replacement amount. This means you only get back what your RV was worth at the time of the loss. With RV insurance, on the other hand, you can choose full replacement cost and get back what you paid for your vehicle.

Personal property and attachments coverage : RVs are made to be loaded with items and attachments that a traditional auto policy won’t cover, such as cooking appliances, sporting and camping supplies, satellite dishes, awnings and furniture. If your stuff is stolen or damaged, you’d need separate RV insurance to repair or replace it.

Vacation liability coverage : When your RV is in a park or campsite, it’s considered a temporary vacation residence. It’s wise to have liability insurance to cover the damages in case, say, someone is injured inside your RV or you accidentally throw a football through a neighboring camper’s window.

Roadside assistance : RV insurance can provide high-limit coverage to account for the steep prices associated with towing and servicing mammoth RVs.

Travel expenses coverage : If you have an accident or your RV breaks down, this coverage helps pay for lodging and transportation while your vehicle is fixed. It typically applies only when you’re a certain distance from home, usually at least 50 or 100 miles, depending on your insurer.

Full-time RV coverage : This coverage is required if you’re using your RV as your primary residence. Among other benefits, it can provide high-limit personal liability insurance similar to what you’d find in a home insurance policy, medical payments for injured visitors and coverage for belongings you keep in storage while you’re on the road.

Depending on your insurer, travel trailers, campers and other non-motorized units may not fall under RV insurance; they would need their own separate policies.

Also, even though RVs are ideal for traveling far and wide, most companies won’t cover you in Mexico; talk to your insurer about finding Mexican RV insurance if you’re planning on heading south of the border.

You are, however, typically covered in Canada, but ask your insurer to make sure. They may issue a non-resident insurance card that you can show to Canadian authorities.

If you live in your RV full time, separate RV insurance is a necessity. If you use your RV sporadically for vacations and road trips, you’ll need liability insurance at the very least. If you got an RV loan, your lender may require insurance.

Adding your RV to your car insurance may work if your vehicle is older and lacks frills such as attachments, electronics and appliances.

An RV insurance policy is the better choice if you want these perks:

Full replacement cost for your RV and its contents.

Coverage for lodging if your RV breaks down.

Personal liability insurance in case guests are injured in your vehicle.

Coverage for RV attachments such as awnings and satellite dishes.

RV insurance is available through several well-known companies that offer a wide range of insurance products, including:

Progressive

You can also get insurance from smaller companies that specialize in RVs, such as:

Good Sam Club

RV insurance rates are hard to estimate given all the ways you can customize and use your vehicle. It’s worthwhile to explore companies both big and small, as shopping around and comparing a variety of quotes is the best way to learn who has the coverage options you’re looking for at the most competitive prices.

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RVers encounter unique situations on the road. With that in mind, GEICO offers these enhanced coverages in most states*:

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Learn more about the RV insurance coverages we offer.

Do you need RV insurance?

Most states require RV drivers to carry liability insurance, and the minimum requirements for RV are usually the same as for cars. Make sure you get the right camper insurance by educating yourself on your state's insurance laws and coverage requirements .

Protect your investment with additional coverage for specialty vehicles like RVs and travel trailers. Check out our special coverages to see how GEICO can help.

How much does RV insurance cost?

RV insurance costs depend on factors such as your state's insurance requirements, your driving history, and your needs. The deductibles, liability limits, and RV insurance coverage that you choose may affect the total cost.

The extra protection that comes with higher liability limits may increase the cost of your insurance. On the other hand, a higher deductible may reduce your RV insurance costs.

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RV Insurance Coverage With GEICO

Motorized rv and towable rv insurance.

Enhanced recreational vehicle insurance coverages include:

  • Total loss replacement
  • Replacement cost personal effects
  • Vacation liability
  • Emergency expense coverage
  • Special windshield deductible
  • Recreational vehicle medical payments coverage
  • Medical payment coverage for a recreational vehicle

Travel Trailer Insurance

GEICO provides insurance coverage for these towable RVs and travel trailers:

  • Conventional travel trailers
  • Fifth-Wheel travel trailers
  • Folding camper trailers
  • Truck campers

GEICO even covers the toy-hauler you use to transport your motorcycle or ATV .

Need to speak to an RV insurance or motor home insurance agent?

You can reach us at (877) GEICO-RV (434-2678) for sales or service.

  • Sales Mon - Sun 8:00 AM - 11:00 PM (ET)
  • Service 24 hours 7 Days a Week

RV Insurance: Get the answers you need.

  • Do I need RV insurance? Absolutely, RV insurance is a smart move for protecting your home on wheels. Much like a car insurance policy, it provides coverage in case of accidents, theft, or damage. Plus, it often includes liability coverage, which is crucial for your peace of mind while you're out exploring the open road.
  • How much does RV insurance cost? The cost of RV insurance can vary widely depending on several factors. It's influenced by the type of RV you own (motorhome, travel trailer, fifth wheel, etc.), its value, how you use it (full-time or occasional trips), and where you're located. It's a small price to pay for the freedom and protection it provides as you travel in your RV.
  • What RV insurance coverages are available? GEICO offers a range of coverages such as total loss replacement and vacation liability to protect your RV and provide you with peace of mind while on the road. These coverages are designed to address various risks and potential losses that RV owners may face. For more information on the types of coverage available, check out our RV coverages page .
  • How do I get the best RV insurance rates? You can customize your RV insurance policy and find a few ways to possibly lower your insurance rates. You should consider whether you're storing your RV in a safe and secure location, decide how you will use your RV, change your insurance deductible, and more.
  • How can I avoid common RV problems? You can't predict when a problem will occur but you can help avoid them with simple maintenance. You should check your tires regularly, keep tires properly inflated, replace the old sealant around all windows, and constantly maintain your RV. To protect yourself financially, you should also have RV insurance. For more info, check out our common RV problems page .
  • What RV type is right for me? Deciding which RV is right for you comes down to personal preference and needs. Consider factors like whether you need a self-propelled or towed RV, the amount of weight your vehicle can safely tow, and the amount of RV space you need. For more guidance on selecting the right RV type, be sure to check out our help page .
  • Where can I learn more about RV safety? To learn more about RV safety, you can check out our safety tips for RVs . These tips provide valuable information and guidelines to make a safe and enjoyable RV experience more likely. By following these tips, you can enhance your knowledge and take precautions designed to help financially safeguard your trailer itself and also help cover you financially in case of accidents or liability issues. So, even if it's not compulsory, it's a wise choice for protecting your investment and ensuring your peace of mind while you're on the road.
  • What's the difference between motorhome and travel trailer insurance? Motorhome insurance is tailored for vehicles you can drive, such as Class A, B, or C motorhomes. It provides coverages for both the RV and liability that might arise while you're on the move. On the other hand, travel trailer insurance is designed for non-motorized trailers towed behind your vehicle. It provides coverage for the trailer itself and may also include liability protection. So, the main distinction lies in whether your RV has its own engine or not, but both types of insurance could help ensure you're well-covered during your adventures.

Please note:

Some discounts, coverages, payment plans, and features are not available in all states, in all GEICO companies, or in all situations. The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

*Enhanced RV coverage is currently available in all states except: HI, MA, MI, and NC.

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Camper Guide | RV & Travel Trailer Guides

Written by Johnathan R. Smith • August 31, 2018 • 9:00 pm • Guides

How Much Does Travel Trailer Insurance Cost?

camper accident

Travel trailer insurance will cost you on average between $250.00 and $500.00 per year depending on the company select and the options you include.

One of the things people often are unaware of when they first purchase their new travel trailer is the need for good insurance.

You typically only think about putting insurance on a vehicle, but the new price tag for a travel trailer can be quite expensive.

It’s definitely something you want to insure in the case of a traffic accident or some other accidental damage.

Do You Have to Have Insurance on a Travel Trailer?

According to dmv.org, often times your car insurance will also cover your travel trailer , however this is only liability coverage.

This means that in the event of on accident, any damage you cause to another individuals property or any bodily harm you incurred will be covered.

It will not cover the damage to your trailer.

It may be an undesired expense, but not having insurance for your trailer is simply a risk that you probably should not take.

What Should Be Included In Your Travel Trailer Insurance?

  • Comprehensive –  Basically covers damage that did not happen due to a collision. Instead it typically covers storm damage, theft and vandalism.
  • Liability – Damages to people or other people property due to your trailer.
  • Contents Coverage – Anything that is within the trailer will be covered.
  • Collision – This will cover your trailer in the event it is damaged in an accident.
  • Roadside Assistance – I highly recommend you include this.

When talking to your insurance agent, take the time to understand what is and what is not being covered by your plan.

Preparing for the unexpected can be a life saver.

I had a personal encounter with this lesson a few years back. Thankfully, I had purchased the insurance that was applicable to my situation.

My car was totaled when I was rear-ended, and normally insurance would have only covered a portion of the purchased value of my car.

However, at the time, I had paid for the additional gap coverage that made up the difference, and wound up with a new car that was actually better than my old one.

Had I tried to save a few dollars; I would have been in a bit of financial trouble.

Online Quotes vs Phone Quotes

Purchasing insurance can be tricky sometimes because you don’t always know everything that you need.

It’s important to slow down, and do your research. I used to pay a lot more than I needed…and I’ve also paid to little.

As with everything, you’ll need to figure out the correct balance. Typically speaking, most people overpay because they don’t do the proper research.

When the insurance agent asks them if they want a particular option, they feel worried and can’t say no.

In the end, they are paying for these options that are costing them hundreds of dollars per year.

Typically an online quote will be much cheaper than a quote through an agent on the phone.

This is because you can take your time to decide on the options and won’t select things you don’t need.

How to Lower Your Trailer Insurance

Old Trailer? Collision and Comprehensive might not be worth it.

Consider skimping out on the collision and comprehensive insurance if you have an older or inexpensive trailer.

The average person will file an insurance claim roughly once every 18 years. Let’s say that you are paying an extra $15 per month (Probably going to be higher) .

Each year, you’ll be spending an extra $180. Now, insurance companies have given the official reports that the average comprehensive claim is for $1,621.

That means that in 9 years you will be paying more than what you are expected to save from the one incident.

According to released accident statistics, you are expected to have one incident in the 18 years.

If you aren’t driving your trailer full-time the chance of the accident affecting the trailer goes way down.

However, based on those probabilities, that $180 annual payment with a single expected incident means that in 18 years, you are expected to pay roughly 200% more than the expected cost to pay to repair the damage yourself.

Unless you are an uncommonly bad or unlucky driver, those odds are not going to be worth it.

Of course, the $15 a month is just an example.

The cost will probably be more expensive.

The numbers will vary from vehicle to vehicle.

The point is to make the calculation and decide if the protection against the possibilities is worth the definite cost of the monthly plan.

There is stability in investing against the unknown, but there is another stability in making life investments based on averages.

Combining Policies

As a general rule, the more items that you have to insure, the cheaper the insurance cost will be for each individual item.

You become more valuable to an insurance company as you insure more things, and this can give you some serious negotiating power.

When you are talking to an agent, make sure that you point out all of the items that you could insure with them.

I can say with a lot of confidence that it will change your final price.

Check out the local Insurance Companies

As with any larger insurance company, locally owned companies can be more expensive or less expensive.

The overhead of smaller companies can be significantly cheaper, but they can also have a more difficult time paying for larger repairs.

The situation differs from place to place, so check out some Google reviews before you commit to a lower price.

This also applies to larger companies. If a company tries to squirm out of the claims then what good is the insurance?

Keep in mind that most insurance companies have bad reviews because happy customers are not nearly as likely to submit a review as someone that feels cheated out of a payout.

Good Credit Equals Cheaper Travel Trailer Insurance

Baring the states of California, Hawaii, and Massachusetts, insurance companies are likely to spike your insurance if you have an unhealthy credit score.

Why? Studies show that there is a connection between  the likelihood of filing a claim and bad credit scores.

It makes sense for them to adjust your rate accordingly.

If you have multiple potential people to purchase the insurance, you might want to apply for rates for both people.

Trailer Insurance Discounts Through Employer

There are a lot of companies, especially the larger ones, that work out deals with insurance companies to negotiate lower rates for their employees.

Try talking to you human resource department to see if they have worked out any deals.

This is actually a useful tip for many possible purchases that have nothing to do with insurance (Gym memberships, reduced bank account fees, etc.).

Higher Deductible Equals Lower Monthly Payments

When negotiating your monthly payment, ask about willingly taking a higher deductible.

When you are willing to pay for a larger sum in the case of an accident, your potential cost to the insurance company goes down.

This can have a major effect on changing your personal potential financial risk to the company. Thus, your monthly payments be a bit cheaper.

Always Check Out Competitors

Regardless of the current offer, check out what the competitors are offering.

You might be surprised, but the price difference between two companies can be as much as double.

Water Damage Coverage

When talking to your insurance agent, ask about water damage.

One common issue with RV’s is that they are almost always prone to leaks and warping from those leaks.

Most comprehensive insurance plans will cover water damage. However, the fine print of that protection can state the exclusions of the likely causes of that damage. Sources such as:

  • Manufacturer defects
  • Ice accumulation and freezing temperatures
  • Normal Wear and Tear
  • And several other causes

With the right fine print the insurance company can essentially not cover anything, so just be aware of what it says.

What Insurance Will I Use?

Being a military Veteran, I will go with Navy Federal.

I value the simplicity of keeping my car loan, bank account, and insurance in the same location.

It just keeps things simple for me.

I would also recommend checking with your current car insurance provider.

Often times, they will try offer you the best quote since it is better to retain a customer, increase the dependency, and build loyalty than it is to get a new one.

That said, it may also be helpful to get a quote from another provider to see if they will match it.

Final Thoughts on Travel Trailer Insurance Cost

When shopping for insurance for your trailer, make sure that you don’t go with your first quote.

A little research may just save you hundreds of dollars per year.

Also, don’t forget to take advantage of discounts that you may qualify for such as being a veteran, a student, a teacher, or involved in government work.

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  • Best Place to Watch Movies For free

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Best Travel Trailer Insurances

Travel trailer insurance isn't mandatory, but it's a good idea to get some. It's essential for protecting yourself and your investment when you’re going out on a trip.

Like auto insurance, travel trailer insurance policy provides financial protection in the event of accidents, injuries and other regrettable things. A good, honest insurance cover will reimburse you for repairs, hospital bills and offer liability protection in the event you injure someone or damage their property.

Read on for our list of the best travel trailer insurance companies and see which coverage best suits your needs...

Class C campervan and a starry night

A Very Close Second: The Hartford

The Hartford travel trailer insurance

  • Available in almost all states
  • Extremely high customer satisfaction scores
  • Excellent windshield repair and replacement plans
  • Includes emergency expense coverage with the basic plan
  • Offers replacement for personal effects for up to $100,000
  • Still not available everywhere
  • Replacement options automatically change over time

Geico’s insurance plan for travel trailers mainly covers comprehensive and collision needs. However, they include some extra benefits with these policies, including vacation liability coverage and emergency expense coverage. Geico also offers a medical payments coverage plan that will pay for medical treatments regardless of fault.

Geico stands out because of its excellent insurance packaging at reasonable costs. It includes some types of coverage that other providers charge separately for, making it an excellent deal for most users.

Geico may be known mostly for its advertising campaigns, but their RV insurance offers great coverage at reasonable rates. They’re a great choice if you want to get a simpler plan, without needing to pick and choose your coverage.

good sam for travel trailer insurance

There Are Plenty of Discounts

RV insurance is already affordable unless you add too many optional things to your coverage (see below for more on this), but it’s possible to reduce costs even further if you talk with your insurance provider.

The best discount is “not in use” discount. This goes by different names at different companies, but it broadly refers to discounted rates you can get when your RV is in storage for extended periods. A non-use discount can reduce insurance costs by as much as half, making it worth asking about.

Costs Can Add Up Quickly

Basic travel trailer insurance is highly affordable. If you can afford such a trailer in the first place, you can afford RV insurance. However, when you start adding on all of the optional upgrades, costs can start to get very high, very fast. Ultimately, you need to decide how to balance your risks with your insurance expenses and avoid paying too much.

Watch Out for Scammy Insurance Companies

Yes, we said it. There are many companies that try their best not to pay out, so don't go for something cheap from a company you've never heard of.

Travel Trailer Insurance FAQs

Here are some of the most common questions that people have about travel trailer insurance.

typical travel trailer insurance cost

Financial Tips, Guides & Know-Hows

Home > Finance > How Much Does Travel Trailer Insurance Cost?

How Much Does Travel Trailer Insurance Cost?

How Much Does Travel Trailer Insurance Cost?

Published: November 14, 2023

Find out the cost of travel trailer insurance and explore financing options to make it affordable.

(Many of the links in this article redirect to a specific reviewed product. Your purchase of these products through affiliate links helps to generate commission for LiveWell, at no extra cost. Learn more )

Table of Contents

Introduction, factors affecting travel trailer insurance cost, coverage options for travel trailer insurance, average cost of travel trailer insurance, ways to save money on travel trailer insurance, choosing the right insurance provider for your travel trailer.

Traveling with a travel trailer can be an exciting and liberating experience. Whether you’re embarking on a cross-country road trip or spending some quality time in the great outdoors, having travel trailer insurance is essential for protecting your investment and ensuring your peace of mind. However, before securing this type of insurance, it’s important to understand the factors that affect its cost, as well as the coverage options available to you.

Travel trailer insurance costs can vary significantly depending on various factors such as the value of your trailer, its age, your location, the level of coverage you choose, and your personal driving record. In this article, we will explore these factors in detail to give you a better understanding of what to expect when it comes to the cost of travel trailer insurance.

Furthermore, we will discuss the different coverage options available for travel trailer insurance. From liability coverage to comprehensive coverage and everything in between, we’ll explain the benefits and considerations of each option, allowing you to make an informed decision that meets your specific needs and budget.

Understanding the average cost of travel trailer insurance is also crucial before making a purchase. We will delve into this topic, providing you with an overview of what others typically pay for their coverage, which will serve as a benchmark for your own insurance quotes.

Fortunately, there are ways to save money on travel trailer insurance. We’ll share some practical tips on how to lower your premiums without compromising on coverage. From bundling policies to taking advantage of discounts, you’ll discover strategies that can help you maximize your savings.

Lastly, choosing the right insurance provider is essential for ensuring a smooth and hassle-free experience. We’ll provide insights into what to look for in an insurance company and offer guidance on how to compare quotes and select the best option for your travel trailer.

Now that you have a brief overview of what to expect in this article, let’s dive deeper into the factors affecting travel trailer insurance costs and how you can navigate the world of coverage options to find the best fit for your needs.

When it comes to determining the cost of travel trailer insurance, several factors come into play. Understanding these factors will give you a clearer picture of why insurance rates can vary significantly. Below, we’ll explore the key elements that insurers consider when calculating your travel trailer insurance premium.

1. Value of the Travel Trailer: The value of your travel trailer is one of the primary factors that insurers take into account. The higher the value of your trailer, the more it will cost to insure it. Insurance companies consider the replacement cost of the trailer and its accessories, so it’s essential to accurately estimate its value.

2. Age and Condition of the Trailer: The age and condition of your travel trailer also affect the insurance cost. Older trailers may have higher rates due to potential maintenance issues or a higher chance of accidents. Newer trailers with modern safety features may qualify for discounts.

3. Usage: How you use your travel trailer can impact the insurance cost. If you use it for occasional weekend getaways, the rate may be lower compared to using it as a full-time residence or for commercial purposes. Insurers consider the frequency and duration of usage when determining the risk.

4. Location: Where you park and use your travel trailer plays a role in insurance rates. If you live in an area prone to natural disasters or high crime rates, insurers may charge higher premiums to account for the increased risks.

5. Driving Record: Your driving record can influence the cost of insuring your travel trailer. If you have a history of accidents or traffic violations, insurers may view you as a higher risk and adjust your rates accordingly.

6. Coverage Options: The type and level of coverage you choose will impact the overall cost. Basic liability coverage is typically cheaper than comprehensive coverage that includes protection against theft, vandalism, and natural disasters.

7. Deductible: The deductible is the amount you must pay out of pocket before your insurance coverage kicks in. A higher deductible can lower your premium, but you’ll need to consider if you can afford the higher out-of-pocket cost in case of a claim.

8. Claims History: Your past claims history can affect your insurance cost. If you have filed numerous claims in the past, insurers may view you as a higher risk and increase your premiums.

It’s important to note that each insurance company may weigh these factors differently, resulting in varying quotes. It’s recommended to obtain multiple quotes from different providers to compare prices and coverage options.

By understanding the factors that affect travel trailer insurance costs, you can make informed decisions when selecting coverage and take steps to potentially lower your premium. Next, we’ll delve into the different coverage options available for your travel trailer insurance.

When it comes to travel trailer insurance, there are various coverage options available to ensure your trailer and investment are adequately protected. Understanding the different types of coverage will help you make an informed decision based on your needs and budget. Let’s explore the common coverage options you can consider for your travel trailer insurance.

1. Liability Coverage: Liability coverage is essential for any travel trailer owner. It provides protection in case you are deemed responsible for causing damage to someone else’s property or injuring someone while using your trailer. This coverage can help cover legal fees, medical expenses, and property damage, up to the policy’s limits.

2. Collision Coverage: Collision coverage is designed to cover damages to your travel trailer resulting from an accident with another vehicle or object. This coverage pays for repairs or replacement, minus your deductible. It’s particularly important if you frequently tow your trailer on the road.

3. Comprehensive Coverage: Comprehensive coverage offers protection against non-collision-related incidents, such as theft, vandalism, fire, or natural disasters. It can help cover the cost of repairs or replacement if your trailer is damaged or stolen. Keep in mind that comprehensive coverage typically has its own deductible.

4. Personal Property Coverage: Personal property coverage is an optional coverage that reimburses you for the loss or damage to your personal belongings inside the trailer, such as furniture, electronics, and other personal items. It’s important to assess the value of your belongings and consider adding this coverage to your policy if necessary.

5. Emergency Expense Coverage: Emergency expense coverage provides assistance with expenses incurred due to a covered loss, such as temporary housing or transportation, in case your travel trailer becomes uninhabitable as a result of a covered incident.

6. Full Timer’s Coverage: If you use your travel trailer as a full-time residence, full timer’s coverage is worth considering. This coverage provides extended protection similar to a homeowners insurance policy and includes liability coverage, personal property coverage, and other benefits tailored to full-time living.

It’s important to carefully assess your needs and budget when choosing the coverage options for your travel trailer insurance. Consider factors such as the value of your trailer and its contents, your travel habits, and the risks you may encounter. You can also speak with insurance professionals to help you determine the coverage that best suits your needs.

Now that you have a better understanding of the coverage options available, let’s explore the average cost of travel trailer insurance and how it can vary based on different factors.

Understanding the average cost of travel trailer insurance can help you budget and plan for the expenses associated with owning and insuring your trailer. However, it’s essential to remember that the cost can vary significantly depending on several factors, including the value of your trailer, your location, the coverage options you choose, and your personal circumstances.

On average, you can expect to pay between $250 and $500 per year for travel trailer insurance. This estimate is for a standard insurance policy with liability coverage and some additional coverage options. Keep in mind that this cost may increase if you add comprehensive coverage or higher liability limits.

The value of your trailer plays a significant role in determining the cost of insurance. For example, if you have a brand-new travel trailer worth $30,000, you can expect to pay more for insurance compared to someone with a used trailer valued at $10,000. Additionally, the age and condition of your trailer can influence the cost.

Your location is another important factor affecting insurance rates. If you live in an area prone to natural disasters, such as hurricanes or wildfires, your insurance premiums may be higher. Similarly, if you reside in an area with a high crime rate, it can increase the risk of theft or vandalism, leading to higher insurance costs.

Other factors that can impact the cost of travel trailer insurance include your driving record, claims history, the usage of your trailer (occasional use versus full-time living), and the deductible and coverage options you select.

Keep in mind that the average cost mentioned above is just a reference point. It’s crucial to obtain insurance quotes from multiple providers to get an accurate idea of what you will pay. Shopping around and comparing quotes will help you find the best coverage at a reasonable price.

Now that you have an understanding of the average cost, let’s explore some strategies to save money on travel trailer insurance.

While travel trailer insurance is a necessary expense, there are several strategies you can implement to save money on your premiums without compromising on coverage. Here are some ways to help you achieve cost savings on your travel trailer insurance:

1. Bundling Policies: One of the most effective ways to save money is by bundling your travel trailer insurance with other insurance policies you may already have, such as auto or homeowner’s insurance. Many insurance companies offer multi-policy discounts, providing significant savings when you combine your coverage.

2. Shop Around for Quotes: Don’t settle for the first insurance quote you receive. Take the time to shop around and compare quotes from different providers. Each insurance company has its own pricing model and underwriting guidelines, so getting multiple quotes will help you find the best coverage at the most affordable price.

3. Increase Security Measures: Installing security devices such as hitch locks, wheel locks, and alarm systems can help deter theft and reduce the risk to your travel trailer. Insurance companies may offer discounts for these added security measures, leading to lower premiums.

4. Take Advantage of Discounts: Inquire about any discounts that may be available to you. Insurance companies often offer discounts for safe driving records, completion of defensive driving courses, being a member of certain organizations or clubs, or even having a good credit score. These discounts can add up and result in noticeable savings.

5. Choose a Higher Deductible: Opting for a higher deductible can lower your premium. However, make sure you choose a deductible that you can comfortably afford in the event of a claim. Saving a few dollars on premiums won’t be beneficial if you struggle to pay the deductible later on.

6. Maintain a Good Driving Record: Your driving history plays a role in determining insurance premiums. Avoiding accidents and traffic violations can help you maintain a good driving record, which insurers view as less risky. As a result, you may qualify for lower premiums.

7. Reassess Coverage Needs Annually: Regularly review your coverage needs to ensure you’re not overinsured or underinsured. If the value of your trailer has depreciated or you’ve paid off a loan, you may be able to adjust your coverage and potentially save on premiums.

Remember, it’s essential to communicate with insurance professionals, ask questions, and understand the coverage details to ensure you’re making informed decisions while seeking cost savings.

Now that you have some money-saving tips, let’s discuss how to choose the right insurance provider for your travel trailer.

When it comes to choosing the right insurance provider for your travel trailer, it’s important to consider several factors to ensure you receive the best coverage and service. Here are some key considerations to keep in mind:

1. Financial Stability: It’s crucial to choose an insurance provider with a solid financial reputation. Look for companies with high ratings from independent rating agencies, as this indicates their ability to meet their financial obligations and pay claims promptly.

2. Coverage Options: Evaluate the coverage options offered by different providers and determine if they meet your specific needs. Consider the level of coverage, deductible options, and any additional benefits or optional coverages available. You want an insurance company that can tailor their policies to suit your travel trailer and lifestyle.

3. Customer Reviews and Reputation: Research customer reviews and testimonials to get an idea of the insurance provider’s reputation in the industry. Pay attention to feedback regarding customer service, claims handling, and overall satisfaction. A company with a positive track record in these areas is more likely to provide a reliable and satisfactory experience.

4. Claims Process: Check how the insurance provider handles claims. Look for companies that have a seamless and efficient claims process. Will you be able to file claims online? How quickly are claims typically handled? A transparent and streamlined claims process will save you time and hassle in case of an incident.

5. Price and Discounts: While price shouldn’t be the sole determinant, it’s still an important consideration. Obtain quotes from different insurance providers and compare the prices along with the coverage and benefits offered. Additionally, inquire about any discounts available that can help lower your premiums.

6. Ease of Communication: Consider the availability and ease of communication with the insurance provider. Can you easily reach them in case of questions or concerns? Do they offer multiple contact channels like phone, email, or live chat? Clear and prompt communication is essential throughout your insurance journey.

7. Recommendations and Referrals: Seek recommendations from friends, family, or fellow travel trailer owners who have had positive experiences with insurance providers. Their firsthand experiences can provide valuable insights into different companies and help guide your decision.

By considering these factors, you can make an informed choice when selecting an insurance provider for your travel trailer. Remember to review your policy regularly and reassess your needs as your circumstances change.

Now that you have gained insights into choosing the right insurance provider, let’s conclude our discussion.

Travel trailer insurance is a crucial investment to protect your travel trailer and ensure your peace of mind while on the road. By understanding the factors that affect insurance costs, exploring the coverage options available, and implementing money-saving strategies, you can navigate the world of travel trailer insurance with confidence.

Factors such as the value of your trailer, its age and condition, your location, and your driving record can all impact the cost of insurance. By accurately assessing these factors, you can obtain a better understanding of what to expect when it comes to your insurance premium.

Speaking of coverage options, liability coverage, collision coverage, comprehensive coverage, personal property coverage, and additional options like emergency expense coverage and full timer’s coverage can provide comprehensive protection for your travel trailer and its contents.

While the average cost of travel trailer insurance ranges from $250 to $500 per year, it’s important to shop around for quotes and consider factors such as your trailer’s value, location, and coverage needs to get accurate pricing. Implementing money-saving strategies like bundling policies, increasing security measures, and taking advantage of discounts can help you save money on insurance premiums without compromising on coverage.

When it comes to choosing the right insurance provider, consider factors such as financial stability, coverage options, customer reviews, claims process, price, ease of communication, and recommendations from trusted sources. This will ensure you select an insurance provider that meets your needs, provides reliable service, and offers a seamless claims experience.

Ultimately, travel trailer insurance provides the protection and peace of mind you need while exploring the world in your travel trailer. By understanding the ins and outs of insurance, you can make informed decisions, find the best coverage options, and enjoy the freedom and adventure of your travel trailer with confidence.

Now that you have acquired a comprehensive understanding of travel trailer insurance, it’s time to hit the road, explore new horizons, and embark on unforgettable adventures with the assurance that your travel trailer is protected.

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RV Talk

Last updated on: March 24, 2022

RV Insurance Rates: How Much Does Travel Trailer Insurance Cost?

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by Peter Wade

www.rvtalk.net is reader supported. When you buy through links on our site, we may earn an affiliate commission.

Whether pre-owned or new, an RV is a costly investment for travelers and campers. So, taking an insurance policy for your travel trailer, something similar to the insurance for a home or car, makes perfect sense. The travel trailer insurance cost will always depend on the coverage range, including protection from damage, theft, loss of items, and more.

If you are an adventure lover who loves to travel to many locations , it is always wise to get the RV insured against unforeseen events that could damage the vehicle. How much does travel trailer insurance cost? Let’s find out.

Deciding Factors

Insurer’s assessment process, cost increasing clauses, liability coverage, rv collision coverage, motorhome contents insurance, comprehensive motorhome insurance policy, factors that control the travel trailer insurance cost.

A camping vehicle cost can range from as low as $5,000 to several thousands of dollars, depending on the type of RVs and amenities it provides. Similarly, the insurance cost varies along with the cost of the RV.

Insurance premium for an RV could start from $65 per year and go up to thousands of dollars for luxury motorhomes . There are some determining factors for a travel trailer insurance cost, and those are:

  • Year of manufacture
  • Model, age, and the class of an RV
  • Storage location
  • Full-time RV living or only for occasional vacation use
  • Total usage days, for example, less than or more than 150 days
  • Driver’s age, driving record, marital status, and credit score

how much does travel trailer insurance cost?

Insurance risk is the focal point for insurers when they decide motorhome insurance pricing. They go through full details of the camping vehicle and the driver to offer a price quote. Experienced RV drivers with clean driving records possess lesser risk than first-time RVers. When the driver’s history shows more traffic citations in a year, the cost will automatically go up.

Similarly, when the RV runs a lot, the risk is at the higher edge. Those who would only use the motorhome once or twice a year need to pay a lesser premium than a full-time RV dweller. Also, a full-time RVer may have to pay more if unable to use any residential address other than the RV.

The insurers also maintain proper records of claims filed by customers. Hence, those who submit frequent claims against insured articles have to pay more as travel trailer insurance rates go higher for them.

Motorhome location governs the insurance price significantly as different states have variable laws regarding insurance coverage. In Michigan , the cost is high due to the mandatory addition of personal injury and accidental damage coverage in the basic policy.

When an insurer has to cover such an event, the risk is high for the company, and hence they ask for more premium than a simple liability-only policy. Also, in Louisiana, there are specific mandatory insurance bundles that RV owners must purchase, and this is when the costs go up.

Massachusetts is known for a highly competitive insurance market. The insurers offer lucrative discounts to eligible RV owners and drivers, and ultimately the annual cost decreases.

Related: How Much Does It Cost to Rent An RV?

RV trailer insurance cost can be considerably higher if the policy includes the following features on top of mandatory coverage:

  • Personally owned item protection
  • Roadside assistance like tire repair or replacements
  • Vacation liability protection
  • Pet injury onboard the RV
  • Any custom equipment installed in the RV, like RV skirts , pop-up trailer canvas, bumper mount, pull-out waste bin, etc.

rv insurance cost

The Insurance Policies for Motorhomes

Insurers across the country are offering different packages of insurance cover for a motorhome. Travel trailer insurance cost will be less if you opt for less coverage and more if you choose more features from the following:

It is a mandatory vehicle insurance policy but very cheap and basic. This insurance cover will help in paying the property damage and medical bill caused to the third party.

Motorhome collision insurance policy will cover accidental damage repair bills or some cases, the entire motorhome replacement cost. This insurance is costlier than liability-only coverage and could also cover in-built RV features like TV or sinks.

travel trailer insurance rates

The travel trailer insurance cost can increase sharply with the addition of content protection. Appliances, clothing, cameras, electronics, computers, kitchenware, and tools are the contents of any motorhome that makes it a moving home.

This insurance type is the most costly one as it covers a lot of aspects of the travel trailer, passenger, driver, and third party. The cost increases as the following features get added:

  • It covers repair or replacement costs for an RV for events other than collision damages.
  • This policy covers damages from fire, theft, vandalism, hailstorms, water damage, falling debris, and other incidents.
  • It helps in paying hospitalization or funeral service fees for the driver, passenger, or third party during unfortunate accidents.
  • If staying in no-fault states, then coverage available are lost wages and medical bills due to personal injury.

As of March 2020, the following is a list of insurance cost which offer some of the protection mentioned above: The median insurance cost can be up to $860 annually in the state of North Carolina.

  • In the state of Oregon, the average cost annually could be $1108.
  • The average insurance cost could be $1128 annually in Massachusetts.
  • The cost increases more than 50% in Washington D.C. to an average annual premium of $2570.
  • In Louisiana, an average travel trailer insurance cost could be up to $2912.
  • In Michigan, RV owners will have to pay more, and the average insurance premium is $4,490.

Related: The Breakdown of Living In An RV Full Time Costs

RV insurance costs can become excessive when the owner purchases one without extensive research. First of all, decide whether to use it as a full-time living , or only for two to three times for camping in a year.

When you are using the RV less, the risk is low. Then go for mandatory minimal protection like liability only and save more on insurance premiums.

Also, complete a short-term course on motorhome driving to master your travel trailer on the road. To keep travel trailer insurance cost low, repair low-cost damages out of the pocket.

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About Peter Wade

Peter Wade is a co-ordinator and writer at www.RVTalk.net. His hobbies are coffee, RV camping and photography. He now enjoys exploring the U.S. by RV with his two dogs. After obtaining a MA degree in Public Relations and Journalism, he had 8 years of experience working for the R&D Department of Outdoorsy. Peter provides a unique look and insightful knowledge about the RV lifestyle, and fills his blog with everything from RV camping guides to reviews about necessary RV accessories. If you are an RV enthusiast and want to get the most-updated trends of the RV industry, Peter’s articles are the must-visit contents.

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travel trailer insurance cost

The Detailed Guide on Travel Trailer Insurance Cost

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If you spend a considerable amount of time in a year traveling in your RV, you might need to buy insurance for your home on wheels, just like for your regular daily commuter. 

The premium that you have to pay, if you are required at all by law, can vary widely depending on a number of factors, like the type of RV you own. 

Read on to learn about the average travel trailer insurance cost for different classes of RVs, what a policy typically covers, as well as pro tips on saving money on your insurance policy. 

You May Or May Not Need Insurance On Your RV

Rv class, age and condition, how often you travel, where you live, driving experience, record and claims, average rv insurance cost, liability coverage, collision coverage, comprehensive coverage, cargo coverage, contents coverage, tips to save money on your travel trailer insurance cost, companies that insure rvs.

The country and state you live in may have its own regulations as to whether a certain type of recreational vehicle must be insured by law.

In most cases, a motorhome, that is one that you would be driving inside the vehicle itself, is self-propelled, so it is a complete vehicle and thus always needs insurance as any other motor vehicle. 

Meanwhile, a travel trailer or a fifth-wheel is not drivable itself, since it needs to be towed by another vehicle. In this case, the towing vehicle must be insured, while the trailer or fifth-wheel may not require its own policy in most cases. 

In the United States, most states do not require a travel trailer, fifth wheel or toy hauler to be covered by a separate insurance policy from the towing vehicle. The insurance that covers the towing vehicle should extend to the towed RV.

Even in the rare cases that a state requires all types of RV to be insured, in general only liability coverage is required. This is the most basic level of protection that is also expected on most regular automobiles, and is fairly affordable.

average RV insurance cost

Factors The Decide Your Travel Trailer Insurance Cost

Travel trailer insurance rates vary widely depending on a number of factors, including the type of your RV, its resale value, age and condition, how often you live in it during a year, where you live, your driving experience, record and claims history. 

Motorhomes are generally more expensive to insure than travel trailers and fifth wheels. Motorhomes are drivable themselves and therefore require liability coverage just like any regular vehicle. 

In addition, motorhomes, especially the luxury Class A and Class C motorhomes, are more expensive than most travel trailers, fifth wheels (except for the largest models), pop-up campers and toy haulers.

As you might have expected, the higher resale value of a vehicle is, the higher its insurance premium, since in the case of an accident or other damages, the insurer would need to pay more to cover the losses or damages. 

In most cases, insurers would charge you a higher rate if you travel in your RV more, since this means higher risk of mishaps. If you use your RV only recreationally, that is for less than six months out of the year, you may still need to tell your insurer approximately how many days you use your RV annually.  

Otherwise, if you travel and live in your RV for at least six months during a year, then your RV is considered by law your permanent residence. In this case, depending on your state law, you may be required to purchase additional coverage so that your RV is essentially covered by something similar to a homeowners insurance policy.

This means you will need a more comprehensive coverage that extends beyond the minimum liability coverage, including personal liability, contents coverage, medical payments, and loss assessment coverage.

As with regular auto insurance, insurance rates for recreational vehicles vary depending on your state and ZIP code. In general, locations that are prone to natural disasters or at least turbulent weather means higher risk and thus higher premium.

Similarly, highly populated metropolises  also have higher risk for road accidents and vehicle theft, thus if you live there, your RV insurance will be more expensive.

Another deciding factor is whether you’re a seasoned driver familiar with handling an RV. Whether it is driving a gigantic motorhome or towing a trailer or fifth wheel behind your pickup, this is very different from and much harder than driving a regular family commuter.

Therefore, veteran RV drivers with a clean driving record and a clean insurance claims history generally pay less for insurance than inexperienced drivers or those who prove to have been a risk on the road.

Any insurance companies would run a thorough check of your driving record and claims history to price your policy accordingly. If you have a clean report, you will most likely earn a more competitive rate and might even be eligible for a discount, depending on the insurer.

So how much does travel trailer insurance cost? There’s no clear cut answer for this question, as the price range is enormous, since it depends on so many factors and each can vary wildly.

But worry not, as most insurance companies would have a price calculator on their website that will let you input important information and give you an estimation of your costs, depending on what types of coverage you need.

This general guide might not extend to your specific situation, but as a rough guide for RV trailer insurance cost as of 2024, you can expect to pay at least $120 per year for the cheapest liability-only policies.

Meanwhile, if you require more comprehensive coverage, you will be paying from $500 per year for a travel trailer, fifth wheel, toy hauler or Class B minivan. If you own a motorhome, the average RV insurance cost would start from $850 per year. 

In addition to the above factors, clearly the more comprehensive your insurance policy is, the higher price you’ll need to pay, since it will cover a wider variety of mishaps and accidents.

You can handpick the types of protection you want depending on your situation. The next section will provide a full list of the common items that RV owners might need. 

What Travel Trailer Insurance Typically Covers

Liability insurance is often the bare minimum that an automobile policy would offer. For an old rig with a short remaining service life and little resale value, it makes more sense to only apply for liability coverage.

This type of coverage will pay for any damages caused to another party in the event of an accident, but doesn’t cover the damages done to your RV and doesn’t protect you in case the person who damages your rig is under- or uninsured. 

This type of insurance covers damages incurred to your travel trailer in the case of an accident, regardless of who is at fault, and regardless of whether both vehicles are moving or one of them is parked. 

There are many cases where your RV can be damaged even when no accident has taken place. This includes fire, theft, natural disaster and catastrophic weather conditions, or random events like vandalism or falling trees.

True to its name, this coverage is pretty comprehensive and will protect you from a large number of unwanted incidences. If you have a newly purchased and expensive luxury RV, paying for the comprehensive coverage will be worth it.

This is a necessary coverage that you should include in your policy if you will be hauling costly cargo on a regular basis, such as sports equipment or any other consumer goods that will be expensive to repair and replace. 

With a cargo coverage, you will receive a payout to repair or replace anything carried inside your travel trailer in case of an accident. 

This coverage usually is quite affordable, but if you travel in your trailer for recreational purposes and have no need for it,  do check if your policy includes it and make sure to remove it to reduce your overall premium.

Even if you’re not hauling goods with high commercial value, you might be bringing along expensive personal belongings like PCs, laptops, TVs, and expensive electronic appliances. 

A content coverage will protect you from losses due to theft or other accident-related damages, but do note that some personal items may be already covered under a comprehensive or collision coverage and some others may be already covered under your homeowner’s insurance.

Medical Payments Coverage

While liability policy pays for the damages incurred to the other vehicle and its occupants in the event of a road accident, medical payments coverage will cover the medical costs for you or your passengers when you are at fault in the accident and also injured.

Underinsured or Uninsured Coverage

This is supplemental coverage to cover your losses in case of an accident where you are not at fault, but the other driver is not insured or his insurance isn’t sufficient to cover the damages caused to you. 

Campsite and Vacation Liability

Do check if your comprehensive or collision policies may already include campsite coverage. This policy will pay for medical or other expenses in case that another camper in the same campground gets injured around or inside your rig, for instance from getting hit by a falling TV satellite dish that’s not secured properly. 

Emergency Expenses Coverage

This policy is for the unfortunate events when the door of your home on wheels simply won’t open or for some reason you can no longer sleep in your rig and access your belongings. Emergency expenses coverage will then cover accommodation and other essential living costs.

Health Insurance and Pet Insurance

While not directly related to your home on wheels, health insurance is important if you travel for months at a time or travel full time.

And if you bring along your four-legged best friends, many insurers offer policies for your pet that will help them get home safely if you are injured or for other reasons unable to care for them, and cover the cost of veterinary services and pet sitters if the need arises. 

Only pay for what you need

There may be many items in an insurance policy, and your insurer may have upgrades to their policies. Not all are necessary, so make sure you consider your situation and only handpick the coverage that you need.

For instance, if you have an old travel trailer that is basically worth nothing and if you only travel occasionally in it, a comprehensive policy is definitely not worth it.

Bundling insurance policies

When comparing different insurance providers, ask if they offer discounts in case you hold more than one policy with them. If you own a travel trailer or fifth wheel, then you must also own a towing vehicle. Even those who travel in a motorhome might tow a compact vehicle along for excursions and running errands.

Therefore, most insurers these days would offer bundles that insure both your RV and your regular automobile at a discount. Depending on the insurance company, you might be able to also bundle with another policy on your other assets like boats, or your homeowners insurance and even life insurance policies. 

Pay your premium up front

Just like with mortgages, whenever you have extra cash on hand, try to pay as much as possible up front to cut down the cost. 

Get your co-owner to get quotes too

One person’s insurance premium can look completely different from someone else’s. This is because insurance companies will look into your driving experience, driving records and insurance claims history, as well as your credit score. Someone with a poor credit score will be charged a higher premium.

So if you share ownership of your RV with someone else, both of you should shop around and apply for insurance policies, and see if one can get a cheaper quote. 

Raise your deductible

Deductible is the amount you pay in an accident before insurance kicks in, and paying a higher deductible will reduce your premium payments, but remember to set a realistic deductible amount so that when it’s time to pay, you will be able to afford it.

So where can you buy insurance for your home on wheels?

The big names that offer insurance policies for travel trailers and RVs in the United States are ​Progressive Insurance, State Farms, Geico, Good Sam Insurance, Nationwide Insurance, National General Insurance, and The Hartford Company.

About The Author

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David Kelly

David Kelly is the founder of Effortless RVing. He is an accomplished writer and passionate traveler who specializes in the RV lifestyle. With a keen eye for undiscovered gems and a love for adventure, David's articles provide a unique and insightful perspective on camping and RV travel. As a former Sales Manager at Camping World, David is dedicated to staying up-to-date with new trends in RV world and the ever-changing landscape of RV travel, making him a valuable resource for both experienced enthusiasts and newcomers to the lifestyle. Whether you're looking for RV product reviews, tips, inspiration, or a glimpse into the camping lifestyle, David's sharing posts are a must-read.

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Your complete guide to rv insurance.

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Our evaluations and opinions are not influenced by our advertising relationships, but we may earn a commission from our partners’ links. This content is created independently from TIME’s editorial staff. Learn more about it.

If you take vacations in a motorhome or live in an RV as your full-time residence, having RV insurance is a must. RV insurance covers your financial responsibility if you cause an accident, and another driver suffers losses. You can also purchase optional policies that cover your RV against damage, theft and breakdowns.

Traditional auto insurance does not provide coverage for RVs that are motorized and self-powered, so RV insurance is a legal requirement. (However, when your vehicle tows a pop-up camper, a larger travel trailer, or even a fifth wheel, your auto insurance that covers the vehicle that tows that trailer typically extends to the RV.) Here’s what you need to know about RV insurance, including what it covers, how much it costs and what insurance companies sell RV insurance.

What does RV insurance cover?

There are several types of RV insurance available. Much like personal auto insurance, there are required coverages and optional endorsements that can provide more complete protection.

At a minimum, RV insurance includes coverage for personal liability. It provides legal and financial protection if you cause an accident and the other driver gets injured, or their vehicle gets damaged or totaled. Personal liability insurance only applies when the accident is your fault.

In 22 states and the District of Columbia , RV owners are also required to carry uninsured/underinsured motorist insurance. This policy covers your losses if you get into an accident with a driver who does not have insurance or does not have enough coverage to pay for your injuries or vehicle damages.

In addition to the required policies, many RV insurance companies also sell endorsements. Here are some of the more common RV insurance endorsements available:

  • Collision insurance : If you get into an accident and you’re responsible, collision insurance will pay to repair or replace your RV.
  • Comprehensive insurance : Comprehensive insurance pays to repair your RV after an unforeseen, non-collision incident, such as theft, vandalism, fire damage, flood damage, hail damage, or an accident with an animal.
  • Roadside assistance : Roadside assistance covers basic RV repairs, like a flat tire change, fuel delivery, or a new battery.
  • Personal belongings coverage : Some insurance companies sell a personal belongings endorsement, which covers the items in your RV if they get damaged or stolen.
  • Permanent attachments coverages : If you’ve installed permanent attachments to your RV, like a porch or awning, this endorsement can provide extra protection for those features.
  • Vacation liability insurance : If you use your RV for vacations, this policy provides additional liability protection while you’re parked in a campground or motor home park.

How Much Does RV Insurance Cost?

The cost of RV insurance is different for everyone. There are many different factors that will impact your premium. According to Progressive, the average annual RV insurance premium is around $502 for a travel trailer and $848 for a motorhome. For a minimum coverage RV insurance policy, annual rates start at $125.

Before you purchase an RV insurance policy, it’s a good idea to shop around and get several RV insurance quotes. The cost of RV insurance can vary between insurance companies for the same types and amounts of coverage. Comparing quotes can help you find the most affordable policy for your personal situation.

What Affects Your RV Insurance Rate?

Insurance companies look at a variety of criteria when calculating your RV insurance premium. Some of the factors that can affect your premium include:

  • Types of coverage
  • Coverage limits
  • Deductibles
  • Claim history
  • Driving history
  • RV driving experience

Where to Get RV Insurance

Many national and regional insurance providers sell RV insurance. Here are some of the biggest insurance companies that sell coverage for RVs:

  • Progressive
  • The Hartford
  • Liberty Mutual

In addition, there are also several insurance companies that specialize in RV insurance. These insurers exclusively sell insurance policies for RVs and motorhomes. Here are several companies to consider:

  • RV America Insurance
  • Good Sam Insurance
  • Family Motor Coach Association (FMCA)

How to Lower Your RV Insurance Premium

RV insurance premiums can be expensive, especially if you own a newer motorhome, or if you live in the RV full-time. However, there are ways to save money on your RV insurance costs. Consider these savings opportunities when you purchase coverage:

  • Ask about discounts : Some RV insurance companies offer discounts, which can help you lock in a lower premium. You can often find discounts for having no recent claims, taking an RV safety course, having continuous RV insurance, and having no claims on your record.
  • Drive safely : You can usually qualify for a discount if you have no recent accidents or traffic violations on your record.
  • Bundle your policies : Most RV insurance providers will offer a discount on your premium if you purchase RV insurance and auto insurance or homeowners insurance together.
  • Pay in full : When you pay your annual RV insurance premium upfront and in full, many insurers will give you an automatic discount.
  • Get multiple quotes : Shopping around and getting multiple RV insurance quotes can help you find the cheapest rate.

Frequently asked questions (FAQs)

Does rv insurance include roadside coverage.

Most RV insurance policies don’t include roadside assistance. If you want this coverage, you must add it as an endorsement. While getting roadside assistance will increase your premium, it can provide valuable protection, especially if you don’t already have coverage through a service like AAA.

Does RV insurance cover theft of personal items?

Some RV insurance policies cover theft of personal items, but it depends on the specific policy. Some insurance companies also sell a separate endorsement that provides more complete protection for stolen personal items. You should check with your RV insurance company to see what is and is not covered.

Is RV insurance more expensive than car insurance?

In general, RV insurance is less expensive than car insurance. However, bigger RVs and new RVs with a high value can have costly premiums. To see how much you will pay for RV insurance, you can get personalized quotes from different insurers. Comparing rate quotes can help you find the most affordable policy.

Do I really need RV insurance?

If you own an RV, you need RV insurance. It’s a legal requirement in almost every state, regardless of how often you use the motorhome, or how far you travel. Without RV insurance, you can face serious legal and financial consequences if you cause an accident or get caught driving uninsured. Remember—your personal car insurance policy generally extends basic liability coverage to travel trailers, pop-up campers, or other trailers attached to the hitch of your vehicle. However, many people opt for additional RV insurance that will protect them from financial woes in the case of theft, fire, or major damage to another motorist or yourself that your current auto insurance doesn’t fully cover. When in doubt, check your policy and shop around!

The information presented here is created independently from the TIME editorial staff. To learn more, see our About page.

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Insurance news, travel trailer insurance cost – everything you need to know in 2024.

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January 16, 2024 · 8 mins read

  • Insurance Marketing
  • Commercial Auto Insurance

If you’re a travel trailer owner or planning to purchase one, it’s essential to understand everything about travel trailer insurance costs to protect your investment.

In this article, we’ll provide you with essential details on travel trailer insurance costs, including the factors that influence pricing, the average cost of insurance, and the best companies providing travel trailer insurance.

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  • Average Travel Trailer Insurance Cost in 2023

For those who use their RV part-time, insurance premiums typically fall under $1,000. Alternatively, full-time RVers can expect to pay from $1500 to $3,000 annually. However, this cost can be affected by many factors.

  • Factors Affecting Travel Trailer Insurance Costs

Some of the significant factors affecting the cost of your travel trailer insurance are:

Value and type of trailer: The value of your travel trailer is one of the most significant factors determining your insurance costs. Generally, the higher the value of your trailer, the higher your insurance premiums will be. The type of trailer you own, whether it’s a pop-up camper, fifth wheel, or motorhome, can also determine your insurance costs.

Coverage and deductibles: When choosing insurance for your travel trailer, your coverage level will directly affect your insurance costs. Comprehensive coverage offers protection against non-collision incidents such as theft and vandalism, but it’s generally more expensive than basic liability coverage. While selecting higher deductibles could reduce premiums, be aware that you’ll have to pay more out of your pocket in case of a claim.

Driving record and experience: If you plan to insure your travel trailer, your driving record and experience will be considered by insurance providers. A clean driving record and extensive towing experience can help lower your insurance costs, while a history of accidents or traffic violations may lead to higher premiums.

Security and safety features: Did you know that equipping your travel trailer with security and safety features can lower your insurance costs? Some examples of these features are anti-theft devices, GPS tracking systems, and smoke detectors. By implementing these features, you protect your travel trailer from theft and save your money in the long run.

Usage and location: Your usage of the travel trailer can affect the insurance cost. If you use it occasionally for personal trips, it may cost less than for full-time living or business purposes. Where you store or use the trailer primarily can also impact the cost. Higher-risk areas, such as places with high theft rates or severe weather conditions, may increase premiums.

Insurance history: Your insurance history, including previous claims and coverage lapses, may affect the cost of your travel trailer insurance. A history of filing numerous claims or needing more prior coverage could result in higher premiums.

Remember that insurance providers have distinct factors for determining insurance costs. To ensure you get the best deal, it’s wise to get quotes from multiple insurers and compare the prices and coverage options.

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  • Travel Trailer Insurance Coverage

A standard travel trailer insurance policy can provide you with the following coverage:

Liability coverage: If you accidentally cause harm to someone or their property while using your travel trailer, this coverage has got you covered. It can take care of medical expenses, legal fees, and settlement costs that come your way.

Collision coverage: By having collision coverage, you can have peace of mind knowing that your travel trailer repairs, or replacement expenses will be taken care of in the event of a collision with another vehicle or object. This type of coverage is particularly crucial for those who tow their trailers, as they can be more susceptible to accidents. Keep your journey worry-free with collision coverage.

Comprehensive coverage: Keep your trailer protected from unexpected events with broad coverage. This type of insurance safeguards against non-collision incidents like theft, vandalism, fire, or weather-related damage. It covers the expenses of repairing or replacing your trailer in case of any damage caused by these unforeseen circumstances.

Personal property coverage: Protect your belongings while on the road with personal property coverage for your travel trailer. Furniture, appliances, electronics, and clothing are all included in this coverage. In the unfortunate event of theft or damage during your trip, you can be reimbursed for their value. Travel worry-free knowing your belongings are covered.

Medical payments coverage: Discover the peace of mind that comes with Medical Payments Coverage, also known as MedPay. With MedPay, you and your passengers are covered for medical expenses in the event of an injury inside your travel trailer, no matter who caused the accident. Stay protected and prioritize your well-being on the road.

Roadside assistance: The coverage offers help if you experience a breakdown or need towing while traveling with your trailer. It typically covers towing, flat tire changes, battery jump-starts, and locksmith services.

Vacation liability coverage: If you’re using your travel trailer as a temporary residence at a campground or RV park, it’s essential to have vacation liability coverage. This coverage protects liability if someone gets hurt or their property is damaged while on your premises. With this coverage, you’ll know that any potential costs will be taken care of.

  • Best Companies for Travel Trailer Insurance

There are lots of companies that provide travel trailer insurance coverage. We have compiled some of the best companies that have stood out in terms of coverage options, discounts, services or claims processing.

Progressive Insurance

Progressive Insurance is one of the biggest auto insurance providers in the United States. Founded in 1937, they offer their customers a wide range of insurance products. Progressive’s unique direct-to-consumer approach makes purchasing and managing policies quick and easy. Through their website or by phone, customers enjoy greater control and convenience in managing their insurance policies.

Progressive offers the following coverage options in their standard policy for Travel Trailers:

  • Comprehensive and collision
  • Full-timer’s liability
  • Total loss replacement

The pros and cons of getting your travel trailer insurance via Progressive are listed below.

  • Wide range of coverage options
  • Includes more features in policies as compared to others
  • Consists of both pet injury coverage and accident forgiveness as coverage options
  • Discounts are not available in all states
  • Price can be different if you buy through different mediums

Read a more detailed review of Progressive Insurance here .

Established in 1936, GEICO was created to serve government and military personnel. However, it has since expanded its services to the general public, providing excellent insurance options. With an established reputation and impeccable service, GEICO is a top choice for those seeking reliable insurance coverage.

GEICO offers the following coverage options in their standard policy for Travel Trailers:

  • Replacement cost personal effects
  • Vacation liability
  • Emergency expense coverage
  • Special windshield deductible
  • Medical payment coverage

The pros and cons of getting your travel trailer insurance via GEICO are listed below.

  • Free accident forgiveness if you’ve been accident-free for five years or more
  • Personal effects replacement limits up to $100,000
  • Sufficient information is not available on the company website
  • Coverage is not available nationwide

Read a more detailed review of GEICO here .

State Farm Insurance

State Farm Insurance is a top-tier American insurance company that provides a wide range of insurance products and financial services. Established in 1922, it has a rich and successful history of delivering coverage to individuals, families, and businesses. Initially, it focused on auto insurance, but it now features various other options for insurance coverage, including homeowners’ insurance, renters’ insurance, life insurance, and health insurance. State Farm comprises agents nationwide, ready to assist with personalized service and local support.

State Farm offers the following coverage options in their standard policy for Travel Trailers:

  • Bodily coverage
  • Emergency road service
  • Damage to trailer caused by an accident
  • Theft, fire, vandalism, and other covered losses while your trailer is in storage
  • The pros and cons of getting your travel trailer insurance via State Farm are listed below.
  • Impressive reputation for customer service
  • Many current customers are positive about renewing their policies
  • Higher rates for drivers with poor credit

Read a more detailed review of State Farm Insurance here .

USAA Insurance proudly serves military members, veterans, and their families with reliable insurance and financial services. Since 1922, they have remained committed to their mission of providing top-notch services to those who serve in the armed forces. USAA prides itself on exceptional customer service and personalized attention, with dedicated representatives who truly understand the distinct needs of military personnel.

USAA offers the following coverage options in their standard policy for Travel Trailers:

  • Liability coverage
  • Property damage

The pros and cons of getting your travel trailer insurance via USAA are listed below.

  • 5% discount for members
  • Provides insurance in partnership with Progressive, hence covers almost all types of RVs
  • Does not serve anyone other than military families

Read a more detailed review of USAA Insurance here .

Allstate Insurance

Established in 1931, Allstate is a reputable provider with a reputation for quality coverage for individuals, families, and businesses. Allstate’s financial stability is supported by solid ratings, ensuring peace of mind for policyholders. Allstate’s “You’re in Good Hands” slogan resonates with customers nationwide, and with local agents available to assist, personalized service and support are guaranteed.

Allstate offers the following coverage options in their standard policy for Travel Trailers:

  • Bodily injury liability
  • Property damage liability
  • Collision coverage
  • Uninsured and underinsured motorists
  • Towing and labor costs

The pros and cons of getting your travel trailer insurance via Allstate are listed below.

  • Discounts are available for retired drivers, and drivers above 55 years
  • Discounts are available upon transferring from other companies
  • Does not offer safe driver discounts
  • No option to get online quotes

Read a more detailed review of Allstate Insurance here .

Nationwide Insurance

Nationwide Insurance is a leading financial services company founded in 1925. Their emphasis on the “On Your Side” philosophy assures reliable coverage and support in times of uncertainty. Their network of agents ensures personalized service and local support for policyholders, earning them high ratings for customer satisfaction. As a trusted insurer backed by a solid financial standing and a significant market presence, Nationwide has helped individuals, families, and businesses navigate life’s uncertainties for over 95 years.

Nationwide offers the following coverage options in their standard policy for Travel Trailers:

  • Uninsured motorist
  • Underinsured motorist
  • Comprehensive
  • Medical payments

The pros and cons of getting your travel trailer insurance via Nationwide are listed below.

  • Has the greatest variety of discounts
  • Provides additional towing coverage options like lodging, transportation, and meals
  • Easy to bundle and save multiple policies
  • Online quotes are not available

Read a more detailed review of Nationwide Insurance here .

Insurance provides peace of mind and safeguards against accidents, theft, or damage. As a travel trailer owner, it’s crucial to have comprehensive insurance coverage for financial protection. Knowing the factors that affect insurance costs is critical. These include the type and value of your trailer, coverage options, usage and location, driving record, security features, and insurance history. By looking at these factors and comparing quotes from different insurers, you can make informed decisions and find the best policy for your travel trailer. With responsible usage, maintenance, and the right coverage, you can confidently embark on your travel adventures, knowing your trailer is protected.

If you want any assistance with your travel trailer insurance, you can also connect with any Agency Height agent near you.

  • Frequently Asked Questions

Are travel trailers expensive to maintain?

Maintaining a travel trailer can be quite costly. But the cost can vary depending on multiple factors such as the size, type, age, and frequency of use of a travel trailer. It’s also important to remember that the costs can significantly differ based on your unique circumstances and the care you give to your trailer.

Does Florida require insurance on travel trailers?

Yes! If you have a travel trailer in Florida, you must have insurance coverage for it. However, if you have a travel trailer that can be towed by a vehicle, you don’t have to worry about purchasing an additional policy. That’s because you can rely on the auto insurance of the tow vehicles to cover potential accidents or damage to the trailer.

How much is insurance on a travel trailer in Texas?

A typical Texan spends around $1,400 a year on RV insurance premiums. However, like any other type of insurance, RV insurance premiums differ due to the wide range of available RV models.

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January 16th, 2024 · 8 mins read

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The ultimate hub for all things RVs

How Much does RV Insurance Cost? Everything You Need to Know

How Much Does RV Insurance Cost? Everything You Need To Know

RV insurance costs can vary widely, depending on several factors. These factors include the type of RV, its value, usage, location, coverage options, driving record, and the RV insurance company you select. But how much does RV insurance cost?

On average, the cost of RV insurance can range from $500 to $1,500 per year. Smaller and less expensive RVs, such as pop-up campers or travel trailers, tend to have lower insurance costs than larger motorhomes or luxury RVs. Additionally, using your RV occasionally for vacations rather than full-time living may affect the insurance premium.

Different coverage options, such as liability coverage, comprehensive coverage, collision coverage, and personal belongings coverage, affect the overall cost. It is pertinent to compare multiple insurance providers’ prices and coverage options.

This piece will highlight everything you need to know about your RV insurance costs and cost-effective RV insurance policies. Let’s dive right in!

Table of Contents

  • 1 Average RV Insurance Cost
  • 2.1 1. Liability Coverage
  • 2.2 2. Collision Coverage
  • 2.3 3. Comprehensive Coverage
  • 2.4 4. Uninsured/Underinsured Motorist Coverage
  • 2.5 5. Medical Payments Coverage
  • 2.6 6. Personal Belongings Coverage
  • 2.7 7. Emergency Expenses Coverage
  • 3 How much is RV insurance?
  • 4.1 1. Type of RV
  • 4.2 2. Value of the RV
  • 4.3 3. Coverage options
  • 4.4 4. Usage
  • 4.5 5. Location 
  • 4.6 6. Driving history
  • 4.7 7. Insurance company 
  • 5.1 Class A RV Insurance
  • 5.2 Class B RV Insurance
  • 5.3 Class C RV Insurance
  • 5.4 Travel Trailer Insurance
  • 5.5 Teardrop Trailer Insurance
  • 5.6 Pop-up Camper Insurance Cost
  • 5.7 Toy Hauler Insurance Cost
  • 6 How much does fifth-wheel insurance cost?
  • 7 How much is RV insurance a month?
  • 8 Is full-time RV insurance expensive?
  • 9 How much is RV insurance in the USA?
  • 10 How much is RV insurance in Florida?
  • 11 Is RV insurance required in Texas?
  • 12 How much is RV insurance in Texas?
  • 13 How much does insurance cost for an RV in Michigan?
  • 14 What insurance is required for an RV in Texas?
  • 15 Does California require RV insurance?
  • 16 How much is insurance for a motorhome in California?
  • 17.1 1. Progressive:
  • 17.2 2. GEICO:
  • 17.3 3. National General:
  • 17.4 4. Safeco:
  • 17.5 5. Good Sam:
  • 18 Why do you need RV insurance?
  • 19.1 1. Good Sam
  • 19.2 2. Progressive
  • 19.3 3. GEICO
  • 19.4 4. National General
  • 19.5 5. Safeco
  • 19.6 6. Allstate

Average RV Insurance Cost

As mentioned earlier, the average cost of RV insurance varies depending on several factors,  including:

  • the type of RV,
  • the coverage options selected,
  • the insurance provider,
  • the owner’s driving history, and
  • the intended use of the RV.

However, to provide a general idea, the average annual cost of RV insurance typically falls between $800 to $2,000 annually.

Class A motorhomes, being the largest and most luxurious type of RV, tend to have higher insurance costs due to their higher value and potential risks. Class B and Class C motorhomes usually have lower insurance costs than Class A motorhomes.

Travel trailers and fifth-wheel generally have lower insurance costs than motorhomes as well. In addition to the type of RV, your personal circumstances and driving history can affect the insurance premium. Your age, location, and prior insurance claims can influence the cost.

Other factors that influence the RV insurance cost include the usage, the coverage limits you select, and any additional coverage options you add, such as roadside assistance or full-timer’s coverage.

It’s worth mentioning that the average cost mentioned here is an estimate and can vary based on individual situations and insurance providers.

Contact insurance companies directly and provide them with the specific details of your RV and coverage needs. This will help them provide a personalized quote tailored to your circumstances.

Comparing quotes from multiple RV insurance providers can help you discover the best coverage at a competitive price.

What does RV insurance mean?

RV insurance, also known as recreational vehicle insurance, is a specialized type of insurance coverage designed specifically for recreational vehicles. It provides financial protection for accidents, damages, theft, or liability issues related to your RV.

Recreational vehicles include motorhomes (Class A, B, and C), travel trailers, fifth-wheel trailers, camper vans, and pop-up campers . Each type of RV may have different insurance requirements and coverage options.

RV insurance typically includes the following types of coverage:

1. Liability Coverage

This coverage option helps protect you if you are held responsible for causing bodily injury or property damage to others. It typically includes medical expenses, legal fees, and property damage liability coverage.

2. Collision Coverage

Collision coverage covers your RV’s repairs or replacement cost in case of a collision with another vehicle or object.

3. Comprehensive Coverage

Comprehensive coverage protects your RV from non-collision-related incidents such as theft, vandalism, fire, natural disasters, and falling objects.

4. Uninsured/Underinsured Motorist Coverage

This coverage option helps protect you if you’re involved in an accident with a driver with insufficient or no insurance. 

5. Medical Payments Coverage

In the unfortunate event of an accident, medical payment coverage comes into play. It covers all the medical expenses for everyone in your RV, regardless of who’s at fault. This coverage helps ensure you receive necessary medical treatment without worrying about the associated costs.

6. Personal Belongings Coverage

This coverage protects personal items inside your RV, such as furniture, electronics, clothing, and kitchen equipment.

7. Emergency Expenses Coverage

Emergency expenses cover the cost of temporary accommodations, transportation, and meals if your RV becomes uninhabitable due to a covered incident.

What does RV insurance mean?

RV insurance ensures that you are financially protected against potential damages, accidents, or liability issues that may arise while using your RV.

It’s worth noting that these are just some of the key components of RV insurance coverage. 

However, it’s essential to understand that insurance providers’ specific policy terms and coverage options can vary. It’s crucial to carefully review and discuss your insurance needs with the insurer to customize a policy that suits your specific requirements.

How much is RV insurance?

The cost of RV insurance can range from $250 to $4,000 per year, depending on various factors, including the RV type, its value, location, driving record, and coverage options you choose.

To provide a more specific estimate, let’s break down the average annual cost of RV insurance based on different types of RVs:

  • Class A Motorhomes: Class A motorhomes, typically the largest and most luxurious RVs, tend to have higher insurance costs. The annual insurance premium for a Class A motorhome can range from $1,000 to $4,000 or more, depending on factors such as the RV’s value, coverage options, and the owner’s profile.
  • Class B and Class C Motorhomes: These smaller motorhomes generally have lower insurance costs than Class A. The average annual insurance premium for Class B and Class C motorhomes can range from $500 to $1,500.
  • Travel Trailers and Fifth-Wheel Trailers: These towable RVs usually have lower insurance costs than motorhomes. The average annual insurance premium for travel trailers and fifth-wheels can range from $250 to $1,000.

Other factors that impact the RV insurance cost include your driving histories, the level of coverage you select, and any additional coverage options you add, such as roadside assistance or full-timer’s coverage.

Factors that can influence the RV insurance cost

The cost of RV insurance varies significantly depending on different factors. Some of them include: 

1. Type of RV

Different types of RVs, such as motorhomes, travel trailers, fifth-wheel, or camper vans, may have varying insurance costs due to differences in size, value, and risk factors. Motorhomes, especially Class A motorhomes, have higher insurance premiums due to their size and value.

2. Value of the RV

The value of your RV can impact insurance costs. More expensive RVs generally require higher coverage limits, which can increase premiums since their replacement or repair costs are higher.

3. Coverage options

The coverage level and specific options you choose can influence your RV insurance cost. Comprehensive coverage, collision coverage, liability coverage, and additional coverage features like personal belongings or roadside assistance will all affect your overall cost.

How you use your RV can affect insurance costs. Full-time RVers, or if you frequently use your RVs for extended periods, you may have higher premiums than occasional or seasonal users.

5. Location 

Where you live and plan to use your RV can also impact insurance rates. Areas with higher rates of accidents, theft, or severe weather events may result in higher premiums.

6. Driving history

Your driving history and insurance record can influence your insurance cost. You may be eligible for lower premiums with a clean driving history and a history of responsible insurance behavior.

7. Insurance company 

Different insurance companies have pricing structures and underwriting guidelines, so obtaining quotes from multiple providers to compare rates is a good idea.

Types of RVs and their insurance cost

Each RV has unique features, sizes, and values, impacting insurance rates. This section briefly overviews the various types of RVs and their related insurance costs.

Class A RV Insurance

Class A motorhomes are typically the largest and most luxurious RVs . Due to their size, value, and extensive features, Class A RV insurance tends to be on the higher end of the cost spectrum. 

On average, the annual cost for Class A RV insurance can range from $1,000 to $4,000, depending on the RV’s value, coverage limits, usage, and the policyholder’s details.

Class B RV Insurance

Class B motorhomes, otherwise called camper vans or conversion vans, are smaller and more compact RVs. Class B RVs’ insurance cost is generally lower than class A motorhomes. 

The annual insurance cost for Class B RVs can range from around $800 to $2,500, depending on the policyholder’s personal details and coverage limits.

Class C RV Insurance

Class C motorhomes are characterized by a cab-over section extending over the driver’s compartment. Insurance costs for Class C RVs typically fall between Class A and Class B motorhomes. 

The annual insurance cost for Class C RVs can range from approximately $800 to $3,000. The price is also based on different factors.

Travel Trailer Insurance

Travel trailers are non-motorized RVs that are towed behind a vehicle. The insurance cost for travel trailers varies depending on factors such as the trailer’s value, size, and coverage limits. 

On average, the annual insurance cost for travel trailers can range from around $300 to $1,500 or more.

Teardrop Trailer Insurance

Teardrop trailers are small, lightweight travel trailers known for their distinctive shape. Due to their size and value, insurance costs for teardrop trailers are generally lower than the larger RVs. The annual insurance cost for teardrop trailers can range from approximately $100 to $500.

P op-up Camper Insurance Cost

Pop-up campers, known as tent trailers or folding campers , are generally smaller and less expensive than larger RVs. 

As a result, the insurance costs for pop-up campers are on the lower end of the spectrum. The annual insurance cost for a pop-up camper can range from approximately $100 to $500.

Toy Hauler Insurance Cost

Toy haulers are RVs that combine living space with a built-in garage or storage area for transporting recreational vehicles such as motorcycles, ATVs, or bicycles. 

The insurance costs for toy haulers can vary based on the value of the RV, coverage limits, and usage. The annual insurance cost for a toy hauler can range from around $500 to $1,500 or more.

How much does fifth-wheel insurance cost?

The cost of insurance for a fifth wheel depends on the insurance provider, the value of the fifth wheel, the coverage options chosen, the age and driving history of the insured individual, and the location where the fifth wheel will be primarily used and stored. 

On average, the annual cost for fifth wheel insurance is over a thousand dollars. However, these are just general estimates, and the premium may vary based on the details of the fifth wheel and the insured individual.

How much is RV insurance a month?

The monthly cost of RV insurance is between $50 to $5000. However, this widely depends on several factors, like the type of RV, its value, the coverage options you choose, your location, your driving history, and the insurance provider you select.

Smaller and less expensive RVs like pop-up campers or trailers may have lower insurance costs, while larger motorhomes are more expensive.

It’s always advisable to shop around and compare quotes from different sources to find the best coverage option and price that fits your needs and budget.

Is full-time RV insurance expensive?

Full-time RV insurance can be more expensive than part-time or recreational use insurance due to the increased risks and coverage needs associated with living in an RV full-time . 

On average, full-time RV insurance can range from $100 to $500 or more per month. The higher premiums are often justified by the extended usage of the RV, increased liability coverage, personal property coverage, and potential coverage for additional living expenses if the RV becomes uninhabitable.

However, it’s important to note that insurance costs can differ significantly depending on individual circumstances and the insurance company. 

It’s recommended to obtain quotes from multiple insurance providers, compare coverage options and premiums, and consider deductible amounts, liability limits, and coverage exclusions to find the perfect insurance option for your budget and needs.

How much is RV insurance in the USA?

On average, monthly RV insurance premiums range from around $50 to $500 or more. However, the RV’s class (Class A, B, or C), age, usage (full-time or recreational), and storage location can influence insurance costs. 

Also, coverage options like liability, collision, comprehensive, personal property, and roadside assistance can impact the insurance premium.

The owner’s driving history, including accidents and traffic violations, can also affect the insurance rate. Furthermore, insurance companies have rating systems and pricing models, so quotes can vary substantially.

How much is RV insurance in Florida?

The cost of RV insurance in Florida depends on the coverage options chosen, the owner’s location within Florida, driving history, and the insurance company. On average, monthly RV insurance premiums in Florida are between $50 to $500 or more. 

Factors such as the RV’s class (Class A, B, or C), age, usage (full-time or recreational), and storage location within Florida can influence insurance costs.

Hence, it’s advisable to consider individual needs and budget constraints to find Florida’s most accurate and competitive RV insurance rate.

Is RV insurance required in Texas?

Yes, RV insurance is required in Texas. Texas requires all vehicles, including recreational vehicles (RVs), to be insured legally to operate on public roads. The minimum insurance requirements for RVs in Texas are the same as those for regular automobiles.

To comply with Texas law, RV owners must have liability insurance that provides at least $25,000 for property damage, $30,000 for death or bodily harm per person, and $60,000 for accidents involving more than one person.

These minimum liability coverage amounts ensure that if an RV owner is at fault in an accident, their RV insurance will cover the costs of injuries or damages sustained by other parties involved.

As an RV owner, you must carefully review your insurance policies and consider extra coverage options. You can consult an insurance professional for up-to-date information regarding RV insurance requirements in the state.

How much is RV insurance in Texas?

The RV insurance costs between $800 to $2,500 annually in Texas. Class A motorhomes typically have higher insurance costs than smaller RVs like travel trailers or camper vans. 

Texas is a large state with varying insurance rates, and the specific cost of RV insurance depends on factors like the type of RV you own (e.g., motorhome, travel trailer), its value, and the coverage options you select.

Factors like the owner’s driving record, credit score, and chosen deductible can also influence the premium.

Obtaining quotes from multiple insurance providers is best to get the proper estimate based on your specific circumstances and RV type.

How much does insurance cost for an RV in Michigan?

On average, RV owners in Michigan can expect to pay anywhere from $800 to $2,500 per year for RV insurance. However, it’s worth noting that this is just an estimated range, and the actual cost can vary depending on individual circumstances.

Michigan’s unique insurance laws and regulations, such as its no-fault auto insurance system , can impact the cost of RV insurance.

Additionally, the specific region within Michigan where you reside can affect the rates due to factors such as population density, crime rates, and local weather patterns.

To get an accurate quote for RV insurance in Michigan, contact insurance providers directly and provide them with the necessary information about your RV, desired coverage options, and personal profile.

They will consider these factors along with their pricing structure and discounts to provide you with a personalized quote that meets your needs.

What insurance is required for an RV in Texas?

In Texas, the insurance requirements for an RV depend on its classification and usage. If the RV is a motorhome, which is a self-propelled vehicle, it must have liability insurance coverage.

The minimum liability coverage limits for motorhomes in Texas are $25,000 for property damage, $30,000 for death or bodily harm per person, and $60,000 for accidents involving more than one person.

On the other hand, liability insurance is not mandatory in Texas if the RV is a travel trailer or a fifth wheel. However, it is advisable always to have liability coverage to guard yourself financially in case of accidents or damages caused by your RV.

In addition, if you have financed your RV, the lender will need you to carry collision and comprehensive coverage to protect their investment until the loan is paid off.

It’s worth noting that while liability coverage is the minimum requirement, many RV owners opt for other coverage options, like comprehensive coverage, collision coverage, bodily injury protection, and motorist coverage, for full protection.

Does California require RV insurance?

Yes, California requires RV insurance. Under California law, all registered vehicles, including RVs, must have liability insurance coverage. The minimum liability coverage limits for RVs in California are $5,000 for property damage, $15,000 for death or bodily harm per person, and $30,000 for accidents involving more than one person.

This coverage protects you financially if you’re ever part of a collision that leads to bodily harm or property damage.

It’s important to note that while liability insurance is mandatory, additional coverage options such as collision and comprehensive aren’t required by law but are often recommended for added protection.

How much is insurance for a motorhome in California?

On average, motorhome insurance in California can range from around $800 to $3,000 per year. However, these are just approximate figures, as the costs can vary based on several factors. 

These factors include the type of motorhome, its value, the coverage options chosen, your driving history, and the insurance company you choose.

California is known for having higher insurance rates compared to many other states. The specific cost of motorhome insurance will depend on factors such as the class and size of the motorhome, age, and location within the state.

Class A motorhomes, which are larger and more luxurious, generally have higher insurance premiums than smaller Class B or Class C motorhomes.

The RV Insurance rates can vary based on the specific risks associated with certain areas and the likelihood of accidents or theft. It’s important to note that there’s no cheap RV insurance cost in California.

Who has the cheapest RV insurance rates?

Finding a cheap RV insurance cost will depend on your RV type, location, driver’s age, driving history, and coverage options. Insurance rates can also vary between different insurance providers.

However, some insurance companies are often recognized for offering competitive rates for RV insurance. It’s worth noting that these are just examples, and rates may vary based on individual circumstances.

Here are a few insurance companies known for offering the cheapest RV insurance rates:

1. Progressive:

Progressive is well-known for providing RV insurance and offers competitive rates for various RVs, including motorhomes and travel trailers. They offer customizable coverage options and discounts that can help lower premiums.

GEICO is another insurance company offering affordable RV insurance rates. They provide coverage for different types of RVs and offer discounts for safe driving, multiple policies, and RV association memberships.

3. National General:

National General specializes in RV insurance and understands the unique needs of RV owners. They offer comprehensive coverage options at competitive rates and features like full-timer and vacation liability coverage.

Safeco is known for its competitive rates and flexible coverage options for RV insurance. They offer specialized coverage for motorhomes, travel trailers, and fifth-wheel trailers, allowing you to tailor your policy to your specific needs.

5. Good Sam:

Good Sam RV Insurance Agency is popular among RV enthusiasts. They offer specialized RV insurance coverage and work with multiple insurance companies to provide competitive rates and discounts to their members.

It’s important to remember that while finding the cheapest rates is essential, ensuring that the insurance policy meets your specific needs and provides adequate coverage is equally crucial. 

Therefore, quote comparison from multiple companies is essential in finding the best rates for your budget. Factors like customer reviews, the insurer’s financial stability, and the claims handling process are also worth considering when choosing an insurance provider.

Why do you need RV insurance?

typical travel trailer insurance cost

RV insurance is essential for several reasons. Firstly, it provides financial protection in case of accidents or damage to your recreational vehicle (RV). RVs are valuable assets that can be expensive to repair or replace; insurance helps cover these costs.

Secondly, RV insurance offers liability coverage . You may be held responsible if you cause an accident that endangers another person of life or damage their property. With liability coverage, you can pay for medical expenses or property repairs, protecting you from potential lawsuits and financial ruin.

Moreover, RV insurance often includes coverage for personal belongings inside the RV. Regarding natural disasters, theft, or vandalism, this coverage helps replace or repair your items, such as furniture, electronics, or camping equipment.

In addition, some RV insurance policies offer roadside assistance, which can be beneficial when traveling and encountering mechanical breakdowns, flat tires, or running out of fuel. This service helps you get back on the road quickly.

Best RV insurance companies

Choosing the best RV insurance companies is subjective and depends on individual needs and preferences. However, several insurance providers provide RV insurance coverage and customer service.

When selecting an RV insurance company, consider coverage options, discounts, customer service, financial stability, and overall reputation. That way, you’ll make an informed decision.

Here are some top RV insurance companies:

1. Good Sam

Good Sam RV Insurance is a popular recreational vehicle coverage (RV) provider. Good Sam is a subsidiary of the Good Sam Club, a membership-based organization for RV owners.

This RV insurance company offers customizable coverage options designed specifically for RV owners. Good Sam RV insurance includes full replacement cost coverage, personal belongings coverage, roadside assistance, collision coverage, and emergency expenses coverage.

2. Progressive

Progressive RV insurance covers recreational vehicles, motorhomes, camper vans, and travel trailers. They have competitive rates and extensive experience in the insurance industry. 

Progressive’s RV insurance policies typically include liability coverage, which helps protect you if you cause an accident that causes injury to others or property damage. They also offer comprehensive coverage covering non-collision incidents such as theft and vandalism.

In addition to these core coverages, Progressive RV insurance offers optional coverage options such as total loss replacement.

GEICO, a Government Employees’ Insurance Company, is a well-known insurance provider offering various insurance products, including RV insurance. 

GEICO RV insurance coverage comes with various discounts, including multi-policy and safety feature discounts. They are noted for their excellent customer service and user-friendly claiming process.

4. National General

National General is known for its tailored RV insurance policies and flexible coverage options. They offer various discounts and benefits like full-time RV and emergency expense coverage.

In addition to these core coverages, National General offers optional coverage options to enhance your policy. They include coverage for personal belongings, emergency expenses, full-timer’s liability, vacation liability, and roadside assistance for recreational vehicles.

Safeco RV insurance has comprehensive coverage options and flexible policy features. They offer specialized RV coverage, optional roadside assistance, and customizable coverage limits.

Their collision coverage is available to cover repairs or replacement of your RV if it’s damaged in a collision. Coverage options exist for non-collision incidents like theft, vandalism, or damage caused by weather events. 

6. Allstate

Allstate is a well-established insurance company that offers RV insurance for different types of recreational vehicles. They provide customizable coverage options, roadside assistance, and savings opportunities like bundling discounts and safe driving rewards.

It’s important to note that the best RV insurance company for you may depend on factors such as your location, the type of RV you own, your driving history, and your specific coverage needs. 

Researching and comparing quotes from multiple insurance companies is advisable, considering factors like coverage options, customer reviews, discounts, and overall reputation.

Additionally, contacting an independent insurance agent specializing in RV insurance can be helpful. They can assess your unique needs and provide recommendations based on their professional expertise in the field, helping you find the best RV insurance company that meets your requirements.

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RV Insurance Cost Calculator: Factors & Examples

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Are you planning to hit the road in your beloved RV? Whether it’s for a weekend getaway or an extended journey, it’s important to have RV insurance that covers you and your vehicle. But with so many different coverage options and rates available, how do you know what kind of policy is right for you? That’s where an RV insurance cost calculator comes in handy.

An RV insurance cost calculator is a tool that helps you estimate how much your insurance policy will cost based on various factors such as the type of vehicle, its value, and your driving record. By using this tool, you can compare different policies from different providers and choose the one that fits your needs and budget.

Overview of RV Insurance

An RV insurance cost calculator is a tool that helps individuals estimate the cost of insuring their recreational vehicles ( RVs ). It takes into account various factors such as the type of RV, its value, usage, location, coverage options, and the individual’s personal details . By entering these parameters into the calculator, users can get an estimate of how much they can expect to pay for RV insurance coverage.

Factors Affecting RV Insurance Cost: Age, type, and Location

To create a comprehensive RV insurance cost calculator , you would need to consider the following factors:

  • Type of RV : The calculator should allow users to select the type of RV they own or are planning to purchase. This could include options like motorhomes, travel trailers, fifth-wheel trailers, camper vans, etc. Each type may have different insurance rates based on factors such as size, weight, and amenities.
  • RV Value : Users should be able to input the current value of their RV. This information helps determine the coverage limits and the cost of comprehensive and collision coverage.
  • Usage : The calculator should ask users about how they plan to use their RV. This could include options like full-time living, occasional use, or seasonal use. The usage affects the insurance premium, as full-time RVers may require additional coverage compared to occasional vacationers.
  • Location : Users should provide their primary location or where the RV will be primarily stored. Insurance rates can vary depending on the location due to factors like crime rates, weather risks, and regional insurance regulations.
  • Coverage Options : The calculator should offer various coverage options such as liability, comprehensive, collision, uninsured/underinsured motorist, roadside assistance, and personal belongings coverage. Users should be able to select the coverage options they desire, and the calculator should adjust the estimated premium accordingly.
  • Personal Details : Users may need to provide personal information such as their age, driving record, and insurance history. These details help insurance companies assess the risk profile of the individual and impact the final insurance premium.
  • Calculate Base Premium: Each insurance company has its own pricing model, so it’s best to obtain quotes from multiple providers. However, you can estimate the base premium by considering factors such as the RV’s value, type, age, and driving record. You can also use online insurance calculators specific to RVs to get an approximate premium.
  • Calculate Additional Premiums: Add premiums for each coverage type you selected in Step 2. Insurance companies apply different rates for each type of coverage, so consult with your insurer or use online resources to determine the cost of each type of coverage.
  • Calculate Total Premium : Add the base premium (step 4) and the additional premiums (step 5) to get the total premium amount.
  • Create a Table: Create a table with columns for coverage type, cost per coverage, and total cost. Fill in the table with the information from steps 2 and 5.

Also Read : 110-Volt Tankless Water Heater for RV

Example Table:

Here’s an example table that demonstrates the estimated RV insurance costs based on different factors:

How to use an RV Insurance Cost Calculator: Inputting data and getting quotes

Note : Replace the “ XXX ” with the actual cost figures obtained from your research and calculations.

Benefits of using an RV Insurance Cost Calculator

If you’re in the market for RV insurance , it’s important to understand the various factors that go into pricing. The good news is that you don’t have to do all of the research on your own. Instead, you can use an RV insurance cost calculator to compare prices and find the best deal.

One of the key benefits of using a cost calculator is that it allows you to easily compare different policies from multiple providers. With just a few clicks, you can input details about your RV and driving history and receive quotes from several different insurers. This not only saves time but also ensures that you are getting a fair price for coverage.

Another advantage of using an RV insurance cost calculator is that it helps you make informed decisions about which policy to choose.

Also Read : Is Living in an RV Van Cheaper Than Renting

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typical travel trailer insurance cost

Average cost of travel insurance

N ext time you’re booking travel, it may be tempting to skip purchasing a travel insurance policy to cut corners and save some money. But saving a little now could actually end up costing you more later — if you lose your baggage, need to cancel your trip, or encounter unexpected medical costs while traveling.

According to Bankrate’s 2022 Travel Woes survey , “79% of travelers who have taken an overnight trip outside their local area this year experienced at least one travel-related issue.” Having travel insurance in place can keep these minor issues from turning into major, trip-ruining disasters.

What is travel insurance?

Travel insurance is a type of insurance policy that protects any money spent on domestic or international travel. Many travel agencies and airlines offer travel insurance as an add-on to your booking, although you can also seek out your own policy on any travel you book yourself.

Types of travel insurance

A few of the different types of travel insurance you may want to consider include:

  • Damage to personal property or rental cars
  • Trip cancellation
  • Lost baggage
  • Coverage for medical expenses abroad
  • Accidental death or flight accident coverage

The cost of these policies varies based on the type of travel insurance you purchase, as well as the value of your trip and your personal risk factors. The amount of coverage you elect can also affect your rates. Where policies have different tier plans available, you’ll generally pay more for higher levels of coverage.

You may be able to get your next trip covered through your credit card perks. Some credit cards, particularly the best travel cards , offer travel insurance and discounts, with higher-fee cards typically offering higher levels of coverage. If you’re a frequent traveler, it could be in your best interest to read the fine print on your credit card to see if you can take advantage of any of these benefits.

How much is travel insurance?

The amount you’ll pay for travel insurance will depend on a few different factors such as your age (travel insurance prices tend to increase the older you get), the number of travelers you’ll need to insure and the length of your overall trip. Still, experts say you can expect to shell out anywhere from 4 to 11 percent of the total cost of your trip on your travel insurance policy.

Travel insurance policies generally fall into one of three tiers: basic, middle-tier, and comprehensive coverage.

Insurance policy tiers

Average cost of travel insurance by age.

Travel insurance providers evaluate risk in the same way traditional insurers do when it comes to their premiums. The older a traveler is, the more they can expect to pay for coverage, as older travelers are more likely to become ill or injured on a trip. For example, a 2021 analysis conducted by AdvisorSmith found that average prices differed from a low of $92 for a young child to a high of $805 for a centenarian.

Here’s a breakdown of the average cost of travel insurance by age.

While higher costs are more common among older travelers, affordable policies can still be found. Shopping around and comparing quotes from different providers is key to finding the right level of coverage at the right price point.

Average cost of travel insurance by trip cost

The total length of your trip can also directly impact the amount you can expect to pay for travel insurance. A two-week trip will likely cost you more than a weekend getaway, and the higher the overall trip cost, the higher the premium will be in most cases.

According to data from AdvisorSmith, average premiums range from $50 for a trip that costs $1,000 to $447 for a $10,000 trip.

Average cost of travel insurance by number of travelers

One factor you should take into consideration when planning your trip and selecting a travel insurance policy is the number of travelers in your group. The more people you’ll be traveling with, the higher your premium will likely be, because there’s a greater risk of your insurer having to cover unexpected costs. This is especially true for older groups who also have an increased likelihood of incurring medical expenses during a trip.

Per AdvisorSmith, a single adult traveling alone can expect to pay an average of $111, while a party traveling with two adults and two children will pay closer to an average of $167.

2023 travel insurance outlook

With the COVID-19 pandemic restrictions largely behind us, travel has surged since the second half of 2022. And with that surge has come higher prices for nearly all kinds of travel reservations, on top of the high inflation being experienced in the rest of the economy.

While inflation is beginning to cool , consumers are likely to continue feeling its sting for the foreseeable future. In fact, Bankrate’s 2023 survey on summer travel found that nearly two-thirds (62 percent) of those who say they can’t afford a vacation this year cite inflation or rising prices as a primary concern.

These higher travel costs are yet another reason the purchase of travel insurance remains popular, as travelers increasingly see the value of insuring their larger investments into more expensive trips.

Average cost of travel insurance

IMAGES

  1. A Guide to Finding the Best RV Insurance

    typical travel trailer insurance cost

  2. How Much Does Travel Trailer Insurance Cost? With 2 Examples.

    typical travel trailer insurance cost

  3. How Much Does Travel Trailer Insurance Cost?

    typical travel trailer insurance cost

  4. How Much Does RV Insurance Cost?

    typical travel trailer insurance cost

  5. How Much Does RV Insurance Cost? Average RV Insurance Rates

    typical travel trailer insurance cost

  6. RV Insurance

    typical travel trailer insurance cost

COMMENTS

  1. How Much Is Travel Trailer Insurance (Lower Average Cost)

    Travel trailer insurance average cost varies from state to state. For example, it makes a great difference whether you live in North Carolina or in Michigan, at least when it comes to camping trailer insurance rates and the average cost of RV insurance. North Carolina has the lowest RV insurance rates — $860 per year. That comes up to $71.66 ...

  2. How Much Does RV Insurance Cost? (2024 Prices)

    RV insurance costs $500 to $1,500 per year on average, depending on the size, type, usage, and level of coverage you choose. The average RV insurance cost per month is $15 to $50 for a travel trailer, while insuring a self-propelled, Class A, luxury motorhome averages $50 to $200 per month.

  3. How Much Does Travel Trailer Insurance Cost?

    Getting insurance for your travel trailer is a good idea. Travel trailer insurance costs might surprise you however. I recently got two quotes on what it would cost to insure my new trailer. I thought I'd just share the results here so you know what to expect. Quote #1 from Good Sam's Insurance: $376 per year with a $250/$500 deductible.

  4. How Much Does RV or Camper Insurance Cost?

    Request a quote. When shopping for coverage to protect your RV, it's handy to have some average cost figures in mind. If you don't use your RV full time, you could pay as little as $200 per year, while full-time RV drivers can pay as much as $3,000. Currently, the average cost of RV insurance for the US overall is $1,500 annually.

  5. Average Cost of RV Insurance (2024 Rates)

    According to Progressive, one of our recommended RV insurance providers, the average RV policy costs around $1,500 per year, or about $125 per month. However, this average doesn't necessarily ...

  6. How Much Is RV Insurance?

    The web page for Progressive RV Insurance Cost is currently down due to an issue. You can still get a quote, find an agent, or contact them for assistance.

  7. What Is RV Insurance? Cost And Coverage Explained

    The average cost of RV insurance is $1,500 a year, according to Trusted Choice, a group for independent insurance agents. Part-time RV insurance can cost as little as $200 per year while full-time ...

  8. Travel Trailer Insurance: The Costs, Finding Your Best Policy, and Ways

    Learn how to find the best policy for your travel trailer, how much it will cost, and how to save money on your premium. Compare liability and comprehensive coverage, cargo coverage, and using your auto policy.

  9. RV Insurance: Get a Free Quote Online

    Build the best RV insurance policy for you and start a quote now. Get a quote Or, call 1-855-347-3939. Get a quote and buy an RV insurance policy online from Progressive. We can protect your motorhome or travel trailer, whether you're a recreational RVer or full-time occupant.

  10. How to Find the Best RV Insurance

    An RV insurance policy is the better choice if you want these perks: Full replacement cost for your RV and its contents. Coverage for lodging if your RV breaks down. Personal liability insurance ...

  11. RV Insurance

    Insurance for your RV, travel trailer, or camper. Start a quote online or call (877) GEICO-RV (434-2678)

  12. How much does travel trailer insurance cost?

    Instead, you can just hitch the trailer to the back of your car, pack it up with all the food, drinks, and entertainment you need, and hit the open road. An insurance policy on a travel trailer should have a very reasonable cost— usually ranging between $250 and $500 per year. The exact cost can vary depending on a variety of factors, which ...

  13. Average RV Insurance Costs (With 21 real examples)

    Recommended Package- This package costs $10,127.50 when paid in full or $936.75 a month which comes to a yearly total of $11,241.50. This package includes the following: Policy Coverage: Bodily Injury $100k Each Person/ $300k Each Accident- $115.00. Property Damage $50,000 Each Accident- $138.00.

  14. How Much Does Travel Trailer Insurance Cost?

    Travel trailer insurance will cost you on average between $250.00 and $500.00 per year depending on the company select and the options you include. ... The average person will file an insurance claim roughly once every 18 years. Let's say that you are paying an extra $15 per month ...

  15. Best Travel Trailer Insurances

    Travel trailer insurance varies widely, from a low of around $125 a year to as much as $25,000. The high end is extraordinarily unusual and applicable mainly to specialty trailers, such as custom-made luxury trailers with extensive furnishings. Most people will see travel trailer insurance capping around $400 or $500 a year.

  16. The Ins and Outs of Travel Trailer Insurance

    Travel Trailer Insurance Cost Estimate and Variables. If you need more than your auto liability coverage you will need to pay for additional travel trailer insurance. There are many types of insurance and deductibles that will ultimately determine how much this insurance will cost. ... liability and bodily injury coverage is not part of a ...

  17. How Much Does Travel Trailer Insurance Cost?

    While the average cost of travel trailer insurance ranges from $250 to $500 per year, it's important to shop around for quotes and consider factors such as your trailer's value, location, and coverage needs to get accurate pricing. Implementing money-saving strategies like bundling policies, increasing security measures, and taking ...

  18. How Much Does Travel Trailer Insurance Cost?

    The average insurance cost could be $1128 annually in Massachusetts. The cost increases more than 50% in Washington D.C. to an average annual premium of $2570. In Louisiana, an average travel trailer insurance cost could be up to $2912. In Michigan, RV owners will have to pay more, and the average insurance premium is $4,490.

  19. How Much Does Travel Trailer Insurance Cost?

    Meanwhile, if you require more comprehensive coverage, you will be paying from $500 per year for a travel trailer, fifth wheel, toy hauler or Class B minivan. If you own a motorhome, the average RV insurance cost would start from $850 per year. In addition to the above factors, clearly the more comprehensive your insurance policy is, the higher ...

  20. RV Insurance Guide 2024: All You Need To Know

    The cost of RV insurance is different for everyone. There are many different factors that will impact your premium. According to Progressive, the average annual RV insurance premium is around $502 ...

  21. Travel Trailer Insurance Cost

    Average Travel Trailer Insurance Cost in 2023. For those who use their RV part-time, insurance premiums typically fall under $1,000. Alternatively, full-time RVers can expect to pay from $1500 to $3,000 annually. However, this cost can be affected by many factors.

  22. Everything You Need To Know About RV Insurance Cost

    The average annual insurance premium for travel trailers and fifth-wheels can range from $250 to $1,000. Other factors that impact the RV insurance cost include your driving histories, the level of coverage you select, and any additional coverage options you add, such as roadside assistance or full-timer's coverage.

  23. RV Insurance Cost Calculator: Factors & Examples

    Here's an example table that demonstrates the estimated RV insurance costs based on different factors: RV Type RV Value Usage Location Coverage Options Personal Details Estimated Premium; Motorhome: $100,000: Full-time Living: California: Liability, Age: 40: $1,200/year: Comprehensive, Driving Record: Collision Clean; Travel Trailer: $50,000:

  24. Travel Insurance Costs Rise: March 18, 2024

    The average travel insurance cost for the top 10 destinations ($300) went up by $55 compared to the week before. For all trips, travelers are spending an average of $304 per trip for travel insurance.

  25. Average cost of travel insurance

    Per AdvisorSmith, a single adult traveling alone can expect to pay an average of $111, while a party traveling with two adults and two children will pay closer to an average of $167. 2023 travel ...