Whether you’re hitting the road full-time or planning the occasional weekend getaway, RV insurance is essential for protecting your investment. But how much does RV insurance really cost—and how does it vary depending on where you live?
In this article, we’ll break down the average costs of RV insurance across the U.S., highlight what factors affect your premium, and provide a state-by-state look at what you can expect to pay.
Average RV Insurance Cost in the U.S.
On average, RV insurance in the United States costs between $1,000 and $2,000 per year for motorhomes and between $200 and $1,000 per year for travel trailers.
However, prices can vary widely depending on:
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The type and size of your RV
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How often you use it
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Your driving history
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Coverage types and limits
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Your state of residence
Cost by RV Type (Estimated Annual Premiums)
| RV Type | Average Annual Cost |
|---|---|
| Class A Motorhome | $1,500 – $4,000+ |
| Class B Motorhome | $1,000 – $2,000 |
| Class C Motorhome | $1,200 – $3,000 |
| Travel Trailer | $250 – $800 |
| Fifth-Wheel Trailer | $400 – $1,000 |
| Pop-Up Camper | $150 – $500 |
| Toy Hauler | $300 – $1,200 |
Note: Full-time RVers will often pay 20–50% more due to increased liability and usage.
State-by-State RV Insurance Costs (Estimates)
Here’s a snapshot of how much RV insurance can cost in different U.S. states:
| State | Estimated Annual Cost | Notes |
|---|---|---|
| California | $1,200 – $3,000+ | Higher rates due to wildfire risk and population density |
| Texas | $1,000 – $2,500 | Varies by RV type and urban vs. rural location |
| Florida | $1,500 – $3,500+ | Hurricane risk and seasonal RV use impact rates |
| Michigan | $2,000 – $4,500+ | Among the most expensive due to no-fault laws |
| North Carolina | $800 – $1,200 | One of the more affordable states |
| Arizona | $900 – $2,200 | Popular RV destination with moderate premiums |
| Oregon | $1,000 – $2,000 | Reasonable rates for most RV types |
| New York | $1,200 – $3,000 | Higher liability and legal costs influence pricing |
| Colorado | $1,000 – $2,500 | Mountain driving risks increase coverage needs |
| Illinois | $900 – $2,000 | Midwest location keeps costs moderate |
| Washington | $1,100 – $2,500 | Weather and theft risk raise premiums |
| Nevada | $1,000 – $2,000 | Urban areas like Las Vegas increase cost |
| Montana | $700 – $1,500 | Generally low rates for rural RV owners |
| Georgia | $1,000 – $2,200 | Coastal proximity may raise rates |
| Indiana | $800 – $1,800 | Low average cost for trailers and motorhomes |
| Pennsylvania | $900 – $2,000 | Urban vs. rural location matters |
| Tennessee | $900 – $1,800 | Moderate costs with good driving history |
| New Mexico | $800 – $2,000 | Affordable for seasonal use |
| Louisiana | $1,500 – $3,000+ | Higher due to flood and hurricane risk |
| Alaska | $1,200 – $2,500 | Remote locations may increase premiums |
Note: These figures are averages and may vary based on RV type, insurance provider, and individual driving history.
Why Insurance Costs Vary by State
Several factors impact RV insurance rates across states:
1. State Insurance Laws
States like Michigan with no-fault insurance laws require more coverage, which raises premiums.
2. Weather Risks
States prone to hurricanes (Florida, Louisiana), wildfires (California), or flooding often have higher premiums.
3. Road Conditions & Crime Rates
Urban areas or states with higher accident and theft rates see increased insurance costs.
4. Seasonal Use
In states with year-round RV use (like Arizona and Texas), insurers may assume more risk due to extended time on the road.
How to Save on RV Insurance
Here are some tips to keep your premiums manageable, no matter where you live:
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Bundle your policies: Combine RV insurance with your auto or home for a discount.
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Choose higher deductibles: A higher out-of-pocket deductible lowers your premium.
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Limit your mileage: Some insurers offer discounts for low-mileage or part-time RVers.
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Store it securely: Storing your RV in a garage or monitored facility can reduce your rate.
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Take a safety course: Defensive driving or RV safety courses may earn you a discount.
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Maintain a clean driving record: Safe drivers pay less across the board.
RV insurance costs can range from a few hundred to several thousand dollars per year, depending on your RV type, location, and coverage needs. If you’re a full-time traveler or only take your RV out a few times per year, it pays to compare policies—and understand how your state’s laws and risks affect what you’ll pay.