RV & Motorhome Insurance Cost
Compare 2026 rates for all 6 RV types — travel trailers to luxury Class A motorhomes.
RV insurance costs $594–$4,500/year depending on type, location, and usage. A travel trailer costs $594/yr while a luxury Class A motorhome costs $2,500–$4,500/yr. Full-time living adds 35%. Use our calculator to get a personalized estimate for your RV, state, and situation.
RV Insurance Key Facts (2026)
- Travel trailers are the cheapest RVs to insure in 2026 at $594/yr — luxury Class A diesel pushers can exceed $4,500/yr.
- Full-time RV living (150+ nights/year) adds roughly 35% to your premium due to higher liability and personal effects coverage requirements.
- Enclosed storage saves 20–30% on premiums; street parking can add a 10% surcharge.
- Florida is the most expensive state for RV insurance (+35% vs. national average) due to hurricane risk; Ohio is the cheapest (-5%).
- Your auto policy does NOT cover your RV or trailer — separate RV insurance is required even if you only tow occasionally.
Choose Your RV Type
Click any RV type to see average costs by state, a personalized calculator, and expert guidance on coverage.
Travel Trailer
Travel trailer insurance costs an average of $594/year ($50/month) for recreational use and $800/year ($67/month) for full-time living in 2026.
Fifth Wheel
Fifth wheel insurance costs an average of $700/year ($58/month) for recreational use and $945/year ($79/month) for full-time living in 2026.
Toy Hauler
Toy hauler insurance costs an average of $800/year ($67/month) for recreational use and $1,080/year ($90/month) for full-time living in 2026.
Class B Motorhome
Class B motorhome insurance costs an average of $1,000/year ($83/month) for recreational use and $1,350/year ($113/month) for full-time living in 2026.
Class C Motorhome
Class C motorhome insurance costs an average of $1,200/year ($100/month) for recreational use and $1,620/year ($135/month) for full-time living in 2026.
Class A Motorhome
Class A motorhome insurance costs an average of $2,500/year ($208/month) for recreational use and $3,375/year ($281/month) for full-time living in 2026.
Insurance by Usage Type
Weekend Warriors & Seasonal Travelers
Less than 150 nights per year. Lower premiums, simplified coverage. Perfect if you RV for vacations or seasonal adventures.
Explore rates →Full-Time RVers (150+ Nights/Year)
Living in your RV year-round. Requires higher liability, expanded personal effects, and emergency assistance coverage.
Explore rates →Browse by State
Select a state to see insurance rates for all 6 RV types in that state.
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What Affects RV Insurance Costs
RV Value
The single biggest cost factor. A $30K travel trailer costs ~$600/yr while a $300K Class A costs ~$2,500/yr. Repair costs scale directly with value.
Usage Pattern
Full-time living (150+ nights/year) costs 35% more than recreational use. You need higher liability and personal effects coverage since the RV is your home.
Storage Type
Enclosed storage saves 20–30%. Driveway parking adds no discount, street parking adds 10%. Secure storage dramatically reduces theft and weather damage claims.
Location/State
Florida is 35% more expensive due to hurricane risk. Ohio is 5% cheaper than average. Repair costs and accident frequency vary by state.
RV Age & Condition
Newer RVs cost more to insure due to higher replacement value. Older RVs (7+ years) have lower replacement costs but may have higher mechanical risk.
Driving Record
5+ years without claims saves 10–15% on your premium. A single at-fault accident can increase rates 25–45% for 3–5 years.