{"id":10011,"date":"2022-10-18T07:17:39","date_gmt":"2022-10-18T12:17:39","guid":{"rendered":"https:\/\/www.guaranteedrateinsurance.com\/?p=10011"},"modified":"2025-08-08T08:45:48","modified_gmt":"2025-08-08T13:45:48","slug":"how-much-does-recreational-vehicle-rv-insurance-cost","status":"publish","type":"post","link":"https:\/\/www.rate.com\/insurance\/resources\/how-much-does-recreational-vehicle-rv-insurance-cost\/","title":{"rendered":"How Much Does Recreational Vehicle (RV) Insurance Cost?"},"content":{"rendered":"\n<p>For many Americans, the word \u201c<a href=\"https:\/\/guaranteedrate.wpengine.com\/insurance\/vacation-home-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">vacation<\/a>\u201d is synonymous with \u201croad trip.\u201d For those who own recreational vehicles, the ability to take their lodging with them can open up endless possibilities.&nbsp;<\/p>\n\n\n\n<p>It\u2019s no wonder, then, that so many people enjoy traveling in an RV. Protecting your investment in an RV is important, and <a href=\"https:\/\/guaranteedrate.wpengine.com\/insurance\/motorhome-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">purchasing insurance<\/a> can help with this. However, the cost of insurance can differ significantly between states.&nbsp;<\/p>\n\n\n\n<p>The price you are quoted may vary due to many factors and state or local regulations that affect premiums. Continue reading to learn everything that you need to know about the cost of RV insurance. You can also <a href=\"https:\/\/guaranteedrate.wpengine.com\/insurance\/contact-us\/\" target=\"_blank\" rel=\"noreferrer noopener\">contact the team <\/a>at Rate Insurance to get a quote today!&nbsp;<\/p>\n\n\n\t<div class=\"block-cta-blog my-4 \">\n\t\t<div class=\"cta-blog_copy\">\n\t\t\t<p>See how to save on insurance<\/p>\n\t\t\t\t\t\t\t<p class=\"text-center\">\n\t\t\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"btn btn-sm btn-primary\" data-target=\"#quoteModal\">\n\t\t\t\t\t\t\tGet my quote\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\n<h2 class=\"wp-block-heading\">What Factors Go into RV Insurance Cost?<\/h2>\n\n\n\n<p>Similar to car insurance, RV insurance has many variables that determine your premium. One of the most important, of course, is your driving record. Other factors can include where you live, your claims record, and in some states, your marital status.&nbsp;<\/p>\n\n\n\n<p><strong>Size and Cost of Your Recreational Vehicle (RV)<\/strong><\/p>\n\n\n\n<p>Recreational vehicles are divided into <a href=\"https:\/\/www.expeditionmotorhomes.com\/blog\/what-is-the-difference-between-class-a-b-c-motorhomes\/\" target=\"_blank\" rel=\"noreferrer noopener\">different classifications<\/a>. These classifications depend on features and size. Here are just three of the many types:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Class A: <\/strong>Large and well-equipped, these RVs look a bit like buses, with a large living space and luxurious finishes. They are usually the most expensive RVs.&nbsp;<\/li>\n\n\n\n<li><strong>Class B:<\/strong> Sometimes described as camper vans, these may be the smallest of the three classes. For those concerned about parking space availability, Class B RVs may fit the bill. They are sometimes the least expensive motorhomes. They can be easier to drive and cost less to insure.&nbsp;<\/li>\n\n\n\n<li><strong>Class C: <\/strong>Class C RVs represent a middle ground. Class B camper-style RVs may offer more living space than Class A RVs. However, they may not be as large. This style typically has a separate cab for the driver and passenger and a sleeping compartment above the driving cab.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Age of the Recreational Vehicle<strong> (<\/strong>RV)<\/h3>\n\n\n\n<p>As with a car, a new RV may cost more to insure than a used model. Factors such as the condition of the vehicle and its cost may impact RV insurance quotes. As a result, a well-maintained, but older RV may have very reasonable premiums.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Frequency of Use<\/h3>\n\n\n\n<p>If you own an RV for weekend trips, camping, and the occasional long adventure, you will pay a different rate than someone who has decided to travel the country and live in an RV full-time. These distinctions are the difference between a recreational RV policy and a full-time RV policy.&nbsp;<\/p>\n\n\n\n<p>A full-time policy can be more expensive because if you live in your motorhome all year, you will travel more. More travel can lead to higher insurance costs. With a full-time policy, you can add coverage similar to homeowner&#8217;s insurance because the RV is your home.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Is There a Difference Between RV Insurance and Travel Trailer Insurance?<\/h2>\n\n\n\n<p>Yes. An RV is different from a towable trailer. They each require separate types of insurance coverage because an RV has its own motor, while a trailer does not.&nbsp;<\/p>\n\n\n\n<p>Depending on the state, you may not even need to purchase insurance for your trailer. However, you should consider whether or not you are leaving the state with that trailer, another state may not require it to be insured, but it\u2019s a good idea to do so. Of course, if you have financed the purchase of the trailer, your lender may require some level of insurance coverage.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Can I Save Money on RV Insurance?<\/h2>\n\n\n\n<p>There are several ways that you may be able to save money on RV insurance.* Here are a few examples.&nbsp;<\/p>\n\n\n\n<p><strong>Consider Increasing Your Deductible<\/strong><strong>&nbsp;<\/strong><\/p>\n\n\n\n<p>The higher your deductible is, the greater your responsibility will be if you ever need to make a claim. Insurers charge lower premiums when you pay more for claims yourself.&nbsp;<\/p>\n\n\n\n<p>When setting your deductible, it\u2019s important to make sure it\u2019s an amount that you can cover out of pocket.<\/p>\n\n\n\n<p>Let&#8217;s say you select a $4,000 deductible. If you have an accident that costs $5,000 to repair, you\u2019ll need to decide if it\u2019s worth it to file a claim. Minus your deductible, you\u2019ll only be receiving $1,000 from your insurance company.&nbsp;<\/p>\n\n\n\n<p><strong>Consider Bundling Your Policies<\/strong><strong>&nbsp;<\/strong><\/p>\n\n\n\n<p>If you have other insurance policies, you may be able to get a discount by <a href=\"https:\/\/guaranteedrate.wpengine.com\/insurance\/resources\/why-bundle-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">bundling insurance coverage<\/a>.&nbsp;<\/p>\n\n\n\n<p>Bundling is a simple way for people to buy all their insurance policies from one company. This means the insurer will receive premiums from you on multiple types of insurance. It also\u202fsaves time and is more efficient for both you and the insurance company.&nbsp;<\/p>\n\n\n\n<p><strong>Take a Safe Driver Course\u202f<\/strong><strong>&nbsp;<\/strong><\/p>\n\n\n\n<p>Contact your agent to inquire about potential savings on insurance by taking a safe driver course. Keep in mind that the amount of savings may vary depending on the insurance company.&nbsp;<\/p>\n\n\n\n<p>If you&#8217;re planning to buy an RV, check if it has any safety features that might impact your insurance cost. Some safety features like rear-facing cameras or anti-theft devices could save you money on your insurance.&nbsp;<\/p>\n\n\n\t<div class=\"block-cta-blog my-4 \">\n\t\t<div class=\"cta-blog_copy\">\n\t\t\t<p>Start saving on insurance<\/p>\n\t\t\t\t\t\t\t<p class=\"text-center\">\n\t\t\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"btn btn-sm btn-primary\" data-target=\"#quoteModal\">\n\t\t\t\t\t\t\tApply now\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\n<h2 class=\"wp-block-heading\">How Can I Get a Quote for RV Insurance Today? <\/h2>\n\n\n\n<p><a href=\"https:\/\/guaranteedrate.wpengine.com\/insurance\/motorhome-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">Recreational Vehicle insurance<\/a> costs will vary widely from one state to the next, similar to car insurance. Different types of RVs can affect your insurance cost, including the size and style of the RV you choose.&nbsp;<\/p>\n\n\n\n<p>One of the biggest factors is whether you\u2019ll be using the RV for trips or living in it full-time. Full-time residents can expect to pay more for RV insurance than those who use their RV for travel. <a href=\"https:\/\/guaranteedrate.wpengine.com\/insurance\/contact-us\/\" target=\"_blank\" rel=\"noreferrer noopener\">Connect with an agent<\/a> today to compare RV insurance quotes and see how much you could save.<\/p>\n\n\n\n<p><em>Disclaimer:<\/em><\/p>\n\n\n\n<p><em>* Savings, if any, vary based on consumer&#8217;s profile and other factors. Contact your insurance agent for more information. Restrictions apply. <\/em><em>&nbsp;<\/em><\/p>\n\n\n\n<p><em>All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment or legal advice, or instruction. Rate Insurance does not guarantee the quality, accuracy, completeness, or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Rate Insurance. Rate Insurance, its affiliates, and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Recreational Vehicle insurance costs will vary widely from one state to the next, similar to car insurance. With three different classifications of RV types, many factors can impact your premium cost\u2014including the size and style of RV you choose. Here&#8217;s everything you need to know about the cost of insuring your RV. <\/p>\n","protected":false},"author":20,"featured_media":10012,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":true,"inline_featured_image":false,"footnotes":""},"categories":[24],"tags":[75,47],"class_list":["post-10011","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-specialty","tag-rv-insurance","tag-specialty-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Much Does Recreational Vehicle (RV) Insurance Cost? | Rate.com<\/title>\n<meta name=\"description\" content=\"Learn everything you need to know about the cost of RV insurance &amp; find out how to save on insurance for your recreational vehicle. Apply for a quote today!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rate.com\/insurance\/resources\/how-much-does-recreational-vehicle-rv-insurance-cost\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Much Does Recreational Vehicle (RV) Insurance Cost? | Rate.com\" \/>\n<meta property=\"og:description\" content=\"Learn everything you need to know about the cost of RV insurance &amp; find out how to save on insurance for your recreational vehicle. 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