Who has the cheapest insurance for RVs?

RV insurance is about more than choosing the lowest premium. The right policy should provide the coverage you need based on how you use your RV—whether it's for occasional weekend getaways, seasonal vacations, or full-time living.

Comparing coverage options, deductibles, discounts, and customer service from multiple insurance providers can help you find the best value for your budget. You can also use an RV insurance cost calculator to estimate your premium based on factors such as your RV type, value, location, driving history, usage, and desired coverage. While a calculator provides an estimate, comparing quotes from several insurers is the best way to find accurate pricing and the coverage that best fits your needs.

RV insurance costs depend on several factors, including the type of RV, how often it's used, where it's stored, and the coverage you choose. Here's a simple guide to help users understand what affects the price.

Ways to Save on RV Insurance

• Compare quotes from multiple insurers.

• Bundle your RV policy with your auto or homeowners insurance.

• Choose a higher deductible if you can comfortably cover it in the event of a claim.

• Store your RV in a secure location when not in use.

• Ask about discounts for safe driving, low annual mileage, or RV safety courses.

• Review your coverage annually to ensure you're not paying for coverage you no longer need.

Company	Description
Progressive	One of the largest RV insurers in the U.S. Offers coverage for motorhomes, travel trailers, fifth wheels, camper vans, and full-time RVers. Features include roadside assistance, vacation liability, total loss replacement (for eligible RVs), and personal effects coverage.
Foremost Insurance Group	A specialty insurer focused on RVs and other recreational vehicles. Offers customizable policies for motorhomes, travel trailers, fifth wheels, and seasonal or full-time RV living, with options like emergency expense and replacement cost coverage.
State Farm	Provides RV insurance through its nationwide agent network. Coverage includes liability, collision, comprehensive, emergency road service, and optional rental reimbursement, with bundling discounts available.
GEICO	Offers RV insurance through GEICO and partner insurers, depending on the state and RV type. Coverage can include liability, comprehensive, collision, roadside assistance, and emergency expense protection.
Allstate	Covers motorhomes, travel trailers, and campers with options for liability, collision, comprehensive, personal property, towing, and vacation liability. Discounts may be available for multiple policies.
Nationwide	Offers RV insurance for motorhomes and towable RVs. Coverage options include liability, collision, comprehensive, roadside assistance, replacement cost, and personal belongings protection.
Farmers Insurance	Provides flexible RV insurance for a variety of recreational vehicles. Coverage includes liability, collision, comprehensive, towing, roadside assistance, and optional custom equipment protection.
National General Insurance	Specializes in RV insurance with plans designed for occasional travelers and full-time RVers. Offers full replacement cost, storage options, emergency expense coverage, and nationwide claims support.
Auto-Owners Insurance	Available through independent agents. Covers motorhomes, campers, and travel trailers with liability, collision, comprehensive, medical payments, and optional roadside assistance.
American Family Insurance	Offers RV insurance in select states for motorhomes and trailers. Coverage includes liability, collision, comprehensive, roadside assistance, and optional personal property protection.
USAA	Available to eligible military members, veterans, and their families. USAA generally provides RV insurance through partner carriers such as Progressive and Foremost, offering access to liability, collision, comprehensive, roadside assistance, vacation liability, personal belongings coverage, and full-time RV coverage where available.

RV Insurance Cost FAQs

Q1: How much does RV insurance cost on average?A: RV insurance typically costs between $250 and $4,000+ per year, depending on the RV type, usage, location, and coverage level.

Q2: What is the cheapest type of RV to insure?A: Travel trailers and pop-up campers are usually the cheapest to insure, often costing $100–$900 per year, since they are not driven and have lower risk.

Q3: Why is motorhome insurance more expensive?A: Motorhomes cost more to insure because they are driven on the road, have higher repair costs, and carry greater liability risk compared to towable RVs.

Q4: What factors affect RV insurance cost?A: Key factors include RV type, value, age, driving history, location, storage method, usage (occasional vs full-time), and coverage limits.

Q5: Does full-time RV living increase insurance cost?A: Yes, full-time RV insurance is usually more expensive because it requires higher liability protection and broader coverage, often ranging from $2,000–$5,000+ per year.

Q6: How can I lower my RV insurance cost?A: You can reduce costs by bundling policies, choosing higher deductibles, storing your RV securely, maintaining a clean driving record, and applying for discounts.

Q7: Is RV insurance required by law?A: Insurance is required for motorhomes because they are driven vehicles. Travel trailers usually don’t require insurance by law, but lenders may require it.

Q8: Why do RV insurance prices vary so much?A: Prices vary because each RV and driver is different—insurance companies calculate risk based on usage, location, vehicle type, and personal history.