How Much Does Motorhome Insurance Cost?

How Much Does Motorhome Insurance Cost?

Fully-insuring your RV isn’t required by law, but be careful when determining how to insure your RV. What if an accident happens on your way to the Alps?

Even minor fender-benders can be costly and ruin your chances of enjoying your family trip.

Several motorhome insurance policies can keep you and your family financially safe and secure no matter where you go, and you should know the prices you can expect to pay. Our guide has you covered!


What Is Motorhome Insurance?

Just like your car, having liability insurance for your motorhome is required by law. If you’re financing your RV, you must be fully covered before hitting the road.

The best RV insurance you can get differs based on the type of travel vehicle, but most insurance works similarly to your regular auto insurance policy. If you get into an accident and you’re at fault, your insurance will protect you financially.

It can also pay for damages even if the driver who collided with you was uninsured. 

How Much Does RV Insurance Cost?

Several factors can determine the RV insurance cost. Just like usual car insurance, RV insurance prices have no flat rate.

Some factors include:

  • Make, model and year
  • Policy type
  • Location (State, city, town, etc)
  • Driving record
  • How often it’s used
  • Where you store it

Depending on the different types of travel vehicles, the cost of your RV insurance can vary. They are separated into 3 categories:

  • Class A – The largest and most expensive ($1,000 – $4,000 per year)
  • Class B – Smallest, least expensive ($500 -$1,000 per year)
  • Class C – Medium-sized, middle lane ($800 – $3,000 per year)

Make sure to talk to your insurance company to get the most accurate quote. These prices are just estimates. Every RV is different and will require different insurance plans based on other factors unlisted.

Types of Insurance

Do your research on available insurance options before committing to any single insurance plan for your motorhome. Depending on how often you use it, among other factors, make sure you don’t over or under-spend.


Most states require liability insurance as the bare minimum. This will cover the damage done to other drivers if you’re at fault

Uninsured and Underinsured Motorist

This pays for damages done to your RV if the motorist who collided with you was uninsured


Pay a deductible, then your insurance will pay for all damages done to your vehicle if you’re at fault


Your vehicle is covered for non-driving-related accidents.


If items within the RV are stolen or damaged, this insurance policy will pay for it or help you purchase them again.

These policies are useful in the event of a disaster related to such occurrences, but the more your policy covers, the more expensive it will be. You can pick and choose which policies are best suited to you and your travels.

Click on the upcoming link if you want to know more about cheap but effective motorhome insurance plans.

Did You Find This Information Useful?

Getting motorhome insurance is a wise choice if you plan to use it for family trips or otherwise. Please let us know if we were able to provide you with the information you needed to make the best decision!

Visit our blog to learn more about motorhome insurance and other topics related to it!

Leave a Reply