Instant RV Insurance Quotes For Campers, Trailers, & More!

Is RV Insurance Required?

Yes, minimum liability insurance is required on your RV in every state if you plan to drive it on the road. Some states even require you to have uninsured or underinsured insurance as well. Driving your recreational vehicle is the same as driving any car on the road; you have to be insured to drive. 

Types Of Recreational Vehicle Insurance

Depending on how you use your RV and the RV type you have, your insurance needs may be different. We discuss if you need Full-timer or Part-timer insurance and the differences in coverage for a travel trailer, camper, and motor home insurance.

Full Time RV Insurance

Full-time RV insurance gives protection to people who use their RV as their permanent home for more than six months during the year. Also referred to as “full-timer” insurance, this coverage is optional. 

Part Time RV Insurance

Part-time RV insurance (aka Storage Coverage) protects people who only plan to use their RV during the summer months or for things like vacations. Essentially, you aren’t going to pay the total price while your vehicle is sitting in storage. However, you will pay the full insurance coverage when the RV is in use.

Travel Trailer, Camper, & Motorhome Insurance

While your RV may need custom or additional options added to their policies, their insurance is essentially the same. There are towable RVs, folding camper trailers, truck campers, fifth-wheel, travel trailers with expandable ends, and conventional travel trailers.

Agents not required.

Get quotes and sign up online without talking to an agent. But, we are here if you need us. 

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get rv insurance coverage within minutes of getting your quotes and applying.

What Does RV Insurance Cover?

What can be covered by your RV insurance will depend on the type of policy you choose and the type of recreational vehicle you own. While coverage options for RV’s can include collision, comprehensive, and liability insurance, it also offers special coverage for RVs like a 5th wheel or travel trailer. 

RV Insurance Coverages

Bodily Injury Liability – Bodily liability insurance will help pay medical bills or income loss if you cause an accident with your RV and someone is injured. Liability insurance is required by almost every state
Property Damage Liability – Property damage liability coverage will help pay for damages to another person’s vehicle or property if you cause an accident.Collision – No matter who’s at fault, collision coverage will pay for damage to your motorhome or RV if you get into an accident with another vehicle. Collision insurance also covers RV or motorhome rollovers. Usually, this coverage is required if you lease or finance your vehicle.
Comprehensive – Comprehensive coverage helps pay for non-collision damage to your RV from things like floods, storms, vandalism, falling objects, fire, and theft. This coverage is also known as other-than collision insurance.
Uninsured Motorist – Uninsured Motorist coverage protects you against a driver that doesn’t have liability insurance or lacks the money to pay for your injuries or other damages they cause to you, your passengers, or your RV.
Underinsured Motorist – Underinsured motorist coverage will protect you against underinsured drivers. If their policy benefits aren’t enough to cover your total loss or damages, then your underinsured coverage kicks in.
Medical Payments – Regardless of who’s at fault, Medical payment coverage will help cover the medical bills for you and your passengers if your RV is involved in an accident.

How Much Does RV Insurance Cost?

RV insurance’s average cost is about $502 per year for a travel trailer and $848 per year for a motorhome. Liability-only policies started at around $125 per year, according to Progressive. This means you are looking at about $42.00 per month for a travel-trailer or $71 per month for your motorhome.

How Much Does It Cost To Insurance A Class C Motorhome? 

On average, it costs between $800 to $1000 per year for most owners to insure their Class C motorhome.

How Much Is Travel Trailer Insurance Insurance?

The average cost of travel trailer insurance is between $20 and $40 per month, depending on the company you get coverage from and the specific options you choose. 

How Much Is Camper Insurance? 

The size of your RV camper is going to affect the cost of your insurance policy. In the U.S., insurance companies use 3 class sizes to rate an Rv. 

Class A – Full-sized luxury motor homes that are furnished and have full-time living amenities. Insurance for these campers can cost around $2,000 per year.
Class B – Smaller sized camper with less amenities; however, it may still be inhabited on a full-time basis. Insurance for these campers can cost up to $1,500 per year
Class C – The smallest of the three classes with even fewer amenities and much less comfy. Insurance for this class of camper can run you up to $1,000 per year. 

Best RV Insurance Companies

According to Consumers Advocate, the best RV insurance company is National General. 

However, the best RV insurance company isn’t always the company that has the cheapest rates or the most popular name.

It would be best to look at things like their A.M. Best rating for financial strength or their J.D. Power ratings that give feedback from actual customers.

How To Buy RV Insurance Online?

Buying RV insurance online has never been easier; regardless of whether you are getting insurance on your first RV or looking for better rates, you can get quotes and coverage in minutes.

Believe it or not, it’s only five steps to go from quotes to being covered:

Gather Your Personal Info – You will want to have information about yourself and your recreational vehicle “on-hand” so that you can get the most accurate quote.  Things like your drivers license number, the make, model, year, and vin number of the RV.Get An Instant Quote – Once you have the information on your car together it’s time to get a fast quote.  Most companies will show you a “Good, Better, Best” layout with the ability to customize your policy.Choose Your Policy Options – After reviewing the quotes, you should look over the coverage amounts and policy deductibles to make sure you have the options you need for your policy. Complete An Online Application – Once you have viewed your quotes and picked out your policy options it’s time to complete your application.  You can usually do this in one sitting (less than 15 minutes)Pay For Your Policy (You’re Covered) – Upon submitting your application your next step will be to pay for your policy so that it goes “in-force,” and then You’re covered!  

Agents not required.

Get quotes and sign up online without talking to an agent. But, we are here if you need us. 

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get rv insurance coverage within minutes of getting your quotes and applying.

Why Trust Simply Insurance?

We make things simple. At Simply Insurance, you get to compare only the top online home insurance companies. We’ve done all the hard work and picked out the top companies so that you don’t have to go through all of the top insurance companies in the nation… I mean, no one really has time for that. 

Years of licensed experience. As licensed agents, we help our customers navigate the entire insurance buying process. We don’t work on commission and can answer any questions you may have in regards to your insurance policy.

Keeping it in “Plain English.” We pride ourselves on creating content that is easy to understand and that doesn’t have a ton of “insurance-ese”. Insurance education is essential to us and we put our customers needs first. 

Frequently Asked Questions

What does RV insurance typically cost?

RV insurance’s average cost is about $502 per year for a travel trailer and $848 per year for a motorhome. Liability-only policies started at around $125 per year, according to Progressive.