RV Insurance Costs

Understanding RV Insurance Costs

The cost of RV insurance depends on several factors. Learn what impacts your insurance premium and get a rough estimate of your costs.

RV Type

The type of RV you own (motorhome, travel trailer, fifth wheel) can impact your insurance premiums. Larger and more luxurious RVs usually have higher insurance costs.

Age and Value of RV

Newer RVs typically cost more to insure due to their higher value. Older RVs may have lower premiums, but they could also face higher repair costs if something goes wrong.

Driving History

Your driving record plays a significant role in determining your insurance rates. A clean driving history can help lower costs, while a history of accidents or violations can increase premiums.

Coverage Options

The level of coverage you select, such as liability, comprehensive, collision, and personal injury protection, will affect the cost. Higher coverage means higher premiums.

Location

Where you park your RV (full-time residence, seasonal use, or storage) and your location (urban vs. rural areas) can influence insurance costs due to factors like risk of theft or environmental conditions.

Driving Distance/Usage

How often you drive your RV and the distances you travel also play a role in costs. Full-time RVers and those who take long trips typically pay more for insurance.

Estimated RV Insurance Cost

Base Price: $1200.00

Coverage Level: 1.25x

Discounts Applied: $200.00

Final Price: $1300.00