What Does RV Insurance Cost?

Whether you have just bought your first ever recreational vehicle (RV) or if you are a seasoned driver of one, you will at some point need insurance for it. How much this costs can vary massively based on a number of different things. We will take a look at each of these below but for more information visit

Condition and Age

If the RV that you want to insure is in a poor condition, then the likelihood of you making a claim on it is increased in the eyes of the insurance companies. This will, therefore, increase the amount that you can expect to pay for it when it comes to premiums.

Alternatively, if you have an older RV that has been kept in good condition, it is likely that the amount that you pay for the premium will be cheaper than that of a newer model that is not in such good condition. This goes to show that the condition can have a direct impact on the cost of insuring your RV.

Zip Code

With some areas having a greater cost of living than others, this is directly impacted on the cost of insurance premiums too. For example living in a large city centre is more expensive than living in a quiet suburb and so the cost of insuring your RV in this area reflects this.

However, it is not just on a local level where the area that you live has an impact on your insurance premiums. There are also massive differences at state level too. For example, states such as North Carolina and Massachusetts are much cheaper to insure your RV in than in California or Michigan.

Type of RV

RVs come in a number of different class categories depending on their size. As you can imagine then, a small Class C camper vehicle is much cheaper to insure than a larger Class A motorhome is. Even cheaper to insure are travel trailers.

Driving Experience

Those individuals who have many years of experience of driving RVs will pay less on their insurance premiums than those individuals who have little to no experience of driving them. This is because with the vehicles being so large, they are difficult to maneuver and so are more likely to be involved in a road traffic accident.

Traffic Violations and Accidents

If you hold a completely clean driving license, it displays to the insurance companies that you are a capable driver who is less likely to be involved in an accident whilst driving your RV. As a result, your insurance premiums will be lower than someone who does not have a clean license, as they are more likely to make a claim.

With RVs being such big vehicles, they pose a much greater risk of injury to any vehicle or any person struck by it. This would result in a greater cost that the insurance companies have to incur in the case that you have an accident and make a claim. 

Driving Frequency

The more time that you spend out on the road in your RV, the more likely it is that you are involved in an accident and need to claim against your insurance. This means that if you plan on living and driving in the vehicle full time, the insurance premium will be much greater than if you were just using the vehicle occasionally at weekends.

Travel Location(s)

Although most insurance policies cover RVs for driving in Canada, not all cover you if you plan to go south of the border into Mexico. Before taking out insurance, it is important that you talk with the insurance companies and make them aware of where you will be travelling in your vehicle so that they can provide you with the correct amount of cover. If you do plan on driving into Mexico then it is only realistic that you should expect the insurance premiums to be greater than if you were only staying within the United States.

Number of Claims

If it is the case that you have made a number of claims in the past, then do not be surprised when your insurance premiums are really high, as based on your driving history it is likely that you will make a claim again in the future.

Type of Coverage

This is the biggest and most significant thing that has an impact on the cost of insuring your RV. Some of the types of coverage available for these vehicles include vacation liability coverage, personal effects coverage, pet injury coverage, total loss replacement coverage, property damage liability coverage, bodily injury coverage, roadside assistance coverage, collisionson coverage, and custom equipment coverage.

Insurance Company

Each and every insurance company differs in the rates that they provide to their customers, with some offering lower rates and some offering higher.

Now that you are fully aware of all of the different variables that can directly affect the cost of insuring your RV, you should be better informed on how best to fill out insurance application forms in order to bring down the premium costs.

As we have already touched on though, things are a little different if you plan on spending all of your time in your RV and live in it full time. You should expect to pay much higher insurance premiums, as the policy will be combining not only vehicle insurance but also homeowners insurance. The vast majority of insurance companies look at the full time use of RVs as being more high risk than the part time use of them, and rightly so, given the fact that they spend much more time on the road. Again, this is something that you need to consider before even thinking about taking insurance out on the vehicle.


Heather Breese
Heather Breese is a qualified writer who fell in love with creativity and became a specialist creator and writer, focused on readers and market need.

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