What Affect How Much an RV Insurance Cost?

Just like any other kinds of vehicle, recreational vehicles also need to be insured. As the name suggests, it ensures that your vehicle will be taken cared of by the insurance company in case of accidents.

RV camping at night

A recreational vehicle is like a home on wheels. Usually, people have their recreational vehicles insured in case of fire which is not related to vehicular accidents, and theft. 

The answer to the question " how much does RV Insurance Cost?"  can vary a lot depending on different factors that affect the final price.


The cost of insurances for recreational vehicle vary. A lot of factors affect it, like the type of recreational vehicle you own. Its brand and model can affect the cost of its insurance.

Place of residence is also a factor which affects the insurance cost of a recreational vehicle. There are states where insurance costs are much higher compared to other states.

Your driving history can also be one of those factors. Insurance companies usually “investigate”. They do background checks on their clients. If you have a driving history of always being involved in vehicular accidents and traffic violations, they usually do “adjustments”. But if you have an excellent driving history, then you will be getting a different computation for insurance cost for your recreational vehicle.

Your age and the age of your recreational vehicle also affect the cost of its insurance premium. Naturally, the older your recreational vehicle is, the lesser the insurance cost.

And, of course, the condition of your recreational vehicle. This is where proper maintenance plays a very important role. Even though your recreational vehicle may be a bit old, if it is properly maintained, you may have an edge.


Aside from the state or the place you live in, the insurance cost of a recreational vehicle may vary, depending on the type of recreational vehicle you own and want to have insured.

Small Non – Motorized Recreational Vehicles

These types of recreational vehicles usually need standard insurance for motor vehicles. This is because it is usually attached to or hitched to a vehicle, usually a small truck or a pick-up truck. Some non- motorized recreational vehicles are even towed by SUVs.

So whatever insurance the vehicle a non-motorized recreational vehicle is attached to, it applies to the recreational vehicle as well. Meaning, it is included the vehicle’s insurance. Actually, the insurance cost is lesser because the vehicle it is attached to is already insured and a non-motorized recreational vehicle is considered as a “cargo” of that vehicle.

Fifth Wheels

Fifth wheels are also called travel campers. Fifth wheels have a special hitch that is installed on a pickup truck’s bed. Insuring this type of recreational vehicle will cost less compared to motorized recreational vehicles.

Insurance premiums for this kind of recreational vehicle depend on the state where you are residing, how often it is used, how old the camper is, and its size.

Class A Recreational Vehicles

The insurance of a motorized recreational vehicle is it's own. Meaning, it is not attached to an insured vehicle, so it has its own insurance. Its insurance cost varies depending on the style of the motorized recreational vehicle.

This type of motorhomes is said to be the largest and most expensive. This is a luxury recreational vehicle as it has all the amenities needed to make every camper comfortable during the camping trip.

Insurance premiums for this class of motorized recreational vehicle depend on the motorhomes size, value, age, and how often it is being used. And of course, the place or state where you are residing.

Class B Motorhomes

Recreational vehicles belonging to the class B type are the smallest motorized vehicles. A camper van falls under the class B recreational vehicle group. It is usually covered by a standard automobile insurance policy.

Insurance premium rates for this class of recreational vehicles or motorhomes vary depending on its location, driving history of the owner, value of the motor home, and the type of insurance coverage you might want to have.

Class C Recreational Vehicles

Class C recreational vehicles are those whose sleeping area extends above the cab area. This type is a mid-sized recreational vehicle.

 Insurance premium for recreational vehicles under the Class C type vary depending on the market value, frequency of use, state or place of residence, size, and age of the recreational vehicle or motor home.


Aside from the most obvious factors affecting the insurance cost of recreational vehicles mentioned above, there are other factors which need to be taken into account.

Type And Amount Of Insurance

This refers to the kind of coverage you want to get from your recreational vehicle’s insurance. Usually, insurance companies offer packages and discounts. Most clients are encouraged or enticed to avail of these promos. These packages contain different insurance coverage and premiums for recreational vehicles.  The cost of your recreational vehicles insurance will then depend on what package you decide avail.

The amount of the insurance claim you want to avail depends on its premium. The higher the premium, the larger the insurance claim.

Take note though that most insurance companies have limitations to their insurance coverage. Insurance coverage stops when your recreational vehicle is in storage.

Where You Plan To Go With Your Recreational Vehicle

Your destination is a very big factor considered by insurance companies. The farther your destination means the longer your trip.

If you are planning to go on a short trip, it will be less likely that you will meet or encounter accidents. Long trips mean there are lots of possibilities that accidents might happen along the way.

Your time on the road is being considered by insurance companies. This will determine the probability of accidents while you are traveling.


As mentioned above, insurance coverage for your recreational vehicle stops when you put it in storage. But this is not a problem. If you still want to keep your recreational vehicle insured while in storage, you just need to expand your insurance.

There are recreational vehicle storage facilities which offer additional insurance for your recreational vehicle while it is in storage.

Additional insurance is not only applicable to stored recreational vehicles. It can also be applied to rented recreational vehicles.

Yes, you can also rent recreational vehicles. Usually, these recreational vehicles have existing vehicle insurance coverages. But if it does not have any, you can buy one from the company where you rented the recreational vehicle from.


There are a lot of recreational vehicles today. A single insurance policy is not enough to cover all types of recreational vehicles. A recreational vehicle insurance covers for damages which may occur or happen to the insured and other properties.

If there is only one type of insurance policy for recreational vehicles, it may be impossible to apply it to all types of recreational vehicles. That is why insurance for your recreational vehicle may vary depending on its type.

Non-Motorized Recreational Vehicles

If your recreational vehicle is towed by another vehicle, a camper trailer, for example, getting an insurance for it is optional. Why? Because since it is towed, it needs another vehicle to tow it. The vehicle to which it is attached or hooked-up to is insured.

But if you want to have your recreational vehicle insured, you can get additional insurance for it. Another way to get insurance for a towed recreational vehicle is if you purchased it through a loan. You may be required by the lender to have a full insurance coverage for it.

Motorized Recreational Vehicles

If your recreational vehicle can move or function on its own, without being towed, you may need to buy an insurance for it. Since your motor home can be driven along the road, it may be required to have an insurance of its own. A vehicle being driven on the road is required to have an insurance so it can be driven legally.

The only thing which is optional in a recreational vehicle’s insurance of this type is if you want to have it insured with an additional insurance while it is in storage or if you are renting a recreational vehicle.

Getting an insurance for your recreational vehicle is very important. If you go camping or on a road trip in your recreational vehicle, you are always on the road. You will never know when accidents may happen.

Naturally, who would want accidents to happen? Nobody, of course. But since there are a lot of risks, if you are traveling, it always helps to be prepared. What better way to be prepared than to have an insurance for you and for your recreational vehicle.

There people who see insurances as additional expenses for them. This kind of people do not understand what insurances are, and what it can do for them, and the properties which are insured. Little do these people know that they can benefit a lot if they have insurances, even for their recreational vehicles.

During these times, it is always best to take the necessary precautions and be prepared for whatever circumstances, especially if you are on the road often.

Previous Post
Senior Couple Enjoying Camping

Camping for Over 60s (Tips for Senior Campers)

Next Post
Tips on driving an RV

Best Tips On Driving An RV