How Much Does RV or Camper Insurance Cost?

When shopping for coverage to protect your RV, it's handy to have some average cost figures in mind. If you don't use your RV full time, you could pay as little as $200 per year, while full-time RV drivers can pay as much as $3,000. Currently, the average cost of RV insurance for the US overall is $1,500 annually.

Luckily, an independent insurance agent can not only help you get equipped with all the RV insurance you need, but can also help you find the most affordable, yet quality, coverage. They are knowledgeable about RV insurance rates in their local areas and dedicated to customer service. They'll shop and compare quotes from multiple carriers for you. But first, here's a closer look at RV insurance costs.

How Much Does the Cost of RV Insurance Vary by Location?

Like many other types of coverage including car insurance, RV insurance costs vary by location. This year, the average annual cost of RV insurance in Washington, DC, is $2,610. RV owners in Texas pay an average of less than $1,500 per year, while those in Oregon pay even less, just under $1,100.

The most expensive state for RV insurance is Michigan, because of its local laws that require RV owners to purchase personal injury protection along with their regular coverage. RV owners in Michigan pay an average of $4,500 annually for their coverage, the highest in the nation, by far.

What Factors Influence the Cost of RV Insurance?

Also similar to car insurance, RV insurance's rates are influenced by many factors. For starters, the class of your RV greatly impacts your premiums.

Here's a breakdown of how RV class affects insurance rates:

Class A: The biggest of the motorhomes, Class A RVs are the most expensive to insure by far. These RVs are expensive to purchase and might run on diesel fuel, often fitting up to 10 passengers. Coverage for Class A RVs averages $1,150 annually.
Class B: Much smaller than Class A, Class B RVs include camper and sleeper vans and similar models. Class B RVs are often equipped with beds, kitchens, and even toilets. Coverage for Class B RVs averages $1,000 annually.
Class C: Smaller than Class A but larger than Class B, Class C RVs fall into the middle of the pack, according to size. Class C RVs have truck or van bases and an overhead sleeping area for their passengers. Coverage for Class C RVs averages $900 annually.

An independent insurance agent can help you find the right coverage for your RV by its specific class and other distinguishing features.

How RV Models and Specs Influence Coverage Rates

Other components that influence the cost of your RV insurance are your RV's model and other specs. These include its:

Model
Make
Mileage
Condition
Age
Special features

Typically, the more expensive your RV is to purchase and repair or maintain, the more expensive its insurance rates are. Older RVs that are in worse condition can be seen as a larger risk to insurance companies and can cost more to insure. The amount of annual mileage your RV accumulates also influences your premiums, as being on the road more leads to more liability risk, and therefore higher rates.

The Type of RV Insurance Policy Influences Your Rates

Of course, the type of RV insurance you buy will also significantly affect your coverage rates. The simpler your coverage, the cheaper it's likely to be. And just like many other policies, those with a higher deductible tend to come with lower monthly or annual premiums.

Full coverage for an RV is more expensive and complex than basic coverage. Also, full-time RV drivers naturally require more coverage than part-time users who only take their RVs out on occasional trips. An independent insurance agent can help you get set up with all the coverage you need for your specific RV usage and break down how it influences your policy's rates.

Additional Factors That Influence Your RV Insurance Rates

There are more factors that can affect how much your RV insurance can cost. These include:

Your RV driving experience: The more experience you have as an RV driver, the less risky you are to insure.
Your driving records: Insurance companies consider your driving records when calculating the cost of your RV insurance, and award cheaper premiums to those with clean, accident-free histories.
Your future mileage: RV drivers who travel farther distances are considered riskier to insure than those who don't.
Your claims history: Like many other policies, your claims history also influences the cost of your RV insurance.

An independent insurance agent can help explain all the factors that could potentially influence the cost of your RV insurance in depth.

Common Discounts That Can Help You Save Big on RV Insurance

It's always helpful to know all the discounts that exist on the coverage you're shopping for. RV insurance comes with several discounts of its own. Check out some common examples below:

Good driver discount: A clean driving history with no traffic violations or accidents can help cut your RV insurance costs.
Military or professional: You can save money on your RV insurance premiums if you're a service member, healthcare worker, government employee, or teacher.
Homeowner discount: Some insurance companies reward RV owners just for owning a traditional home along with their RV.
Paid-in-full discount: Opting to pay your premium in full and up front can save you not only time and paperwork, but also money on your coverage.
Storage discount: Your insurance company may cut you a break on your coverage costs if you store your RV in a carport or garage when not in use.
Safety features discount: Installing safety features like anti-theft devices and airbags can help you reduce the cost of your coverage as well.

An independent insurance agent can help scout out any and all applicable RV insurance discounts that you qualify for to help you save the most money possible.

Best Insurance Companies for RV Insurance

Finding the best carrier for RV insurance is easy when you work with an independent insurance agent. They know which insurance companies to recommend to meet your needs, and can provide informed suggestions based on company reliability, rates, and more.

While many insurance companies might offer discount RV insurance, finding coverage could also depend on the area you live in. Here are a few of the top companies for discount RV coverage.

Top companies for discount RV coverage	Star Rating
Progressive
The Hartford
USAA
Allstate
Nationwide
Farmers Insurance

Why Choose an Independent Agent?

It’s simple. Independent insurance agents simplify the process by shopping and comparing insurance quotes for you. Not only that, but they’ll also cut the jargon and clarify the fine print so you know exactly what you’re getting.

Independent insurance agents also have access to multiple insurance companies, ultimately finding you the best discount RV coverage, accessibility, and competitive pricing while working for you.

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