Owning an RV or motorhome offers freedom and adventure—but it also comes with responsibilities, including the cost of insurance. Whether you use your RV seasonally, live in it full-time, or rent it out occasionally, the right insurance is essential. The good news? There are several effective ways to lower your RV insurance premiums without compromising on coverage.
Here are the top ways to save on your RV or motorhome insurance while still protecting your investment.
1. Shop Around and Compare Quotes
One of the most effective ways to save money is simply by comparing rates from different insurance providers. RV insurance premiums can vary widely based on:
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Vehicle type and size
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Your location and usage
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The insurer’s risk assessment
Tip: Don’t just compare prices—compare coverage limits, deductibles, and what’s included in each policy.
2. Bundle Your Policies
If you already have auto, home, renters, or life insurance, bundling your RV insurance with the same provider can lead to significant multi-policy discounts—often between 10% and 25%.
Ask your current insurer if they offer bundle savings and what other policies you can combine.
3. Choose the Right Coverage for Your Use
Not all RV owners need the same level of coverage. If you:
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Only use your RV a few months per year, ask about storage-only policies during off-seasons.
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Don’t travel far or often, consider reducing liability limits (within your state’s legal minimums).
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Own an older RV with a low market value, you might opt to drop collision or comprehensive coverage.
Just be sure you’re still protected from risks like theft, weather damage, and liability while parked.
4. Raise Your Deductible
Increasing your deductible—the amount you pay out-of-pocket before insurance kicks in—can lower your monthly premium.
For example, raising your deductible from $500 to $1,000 could reduce your premium by 10–15%. Just make sure you have enough savings to cover the higher deductible in case of a claim.
5. Ask About Specialized RV Discounts
Many insurers offer RV-specific discounts that are easy to overlook, such as:
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Safe driver discounts
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Original owner discounts
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Mature driver (age-based) savings
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Claims-free discounts
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Multi-RV or multi-vehicle savings
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Paid-in-full or automatic payment discounts
It never hurts to ask what discounts are available—you might be surprised.
6. Take a Defensive Driving Course
Completing an RV driver safety course can not only make you a more confident driver, but many insurers will reward you with lower premiums.
This is especially beneficial for new RV owners or those driving larger Class A or Class C motorhomes.
7. Install Anti-Theft and Safety Devices
Safety features don’t just protect your RV—they can also lower your insurance premium. Installing:
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GPS tracking systems
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Alarm systems
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Wheel locks or steering column locks
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Rearview cameras
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Tire pressure monitoring systems
…can all help reduce your risk—and your rates.
8. Limit Who Drives the RV
The more drivers on your policy, the greater the potential risk—especially if they have poor driving records. Keeping the list of authorized drivers short (and responsible) can reduce premiums.
Tip: If someone occasionally drives your RV, make sure they’re insured, but not necessarily listed on the policy full-time.
9. Keep Your RV in a Secure Storage Location
Where you store your RV during the off-season can influence your rates. Storing it in:
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A gated or monitored RV storage facility
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A garage or covered space
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A low-crime zip code
…can lead to lower comprehensive coverage rates and reduce the risk of theft or weather-related claims.
10. Review and Update Your Policy Annually
Your insurance needs may change year to year—especially if:
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You’ve paid off your RV loan
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Your RV’s value has depreciated
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You’re using your RV more or less frequently
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You’ve added safety upgrades or improvements
By reviewing your policy every year, you can adjust your coverage and potentially reduce costs.
RV and motorhome insurance is essential—but overpaying isn’t. By understanding how your coverage works, taking advantage of discounts, and regularly reviewing your policy, you can enjoy peace of mind and savings on the road.