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RV Insurance Finder
Compare RV insurance costs and coverage for your camper.
Get RV insurance quotes
Your RV is your pride and joy, your summer home, your ticket to the best road trips. It's also a huge investment, and one that you can protect with the right insurance policy. To get the best price and the right protection, consider what coverage you absolutely need and what you can skip.
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What's in this guide?
How to compare RV insurance
- Figure out what kind of coverage you need based on how you use your RV.
- Get quotes from multiple companies.
- Compare coverage, perks, deductibles and customer reviews to decide.
- Sign up for your policy, set up payments and keep an ID card in your RV.
How much does RV insurance cost?
The typical cost of RV insurance is $1,000 to $2,000 a year, or $83 to $167 a month. This cost is based on our analysis of insurers and information from the Virginia Bureau of Insurance.
However, a liability-only policy may start at only a few hundred dollars a year. RV insurance premiums vary based on your RV’s value, how you’re using it and which insurance company you choose.
How do I find cheap RV insurance?
The best way to save money on RV insurance is to get quotes from a range of insurers to compare prices. You can also bring down the cost with these tips:
- Get the right coverage level. Only pay for coverage you need with limits that will replace your RV.
- Shop for discounts. Save with discounts for safe driving, bundling or paying upfront.
- Add security. Adding cameras, light sensors and alarms lead to less risk and lower premiums.
- Reduce unnecessary trips. If you hit the road regularly, your premiums will cost more than seasonal road trippers who store their RVs during cold seasons.
- Buy a less expensive RV. Big, shiny new RVs cost more to insure than an older or used RV.
How much RV coverage do I need?
Consider these factors when comparing RV or camper trailer insurance quotes.
- Your RV’s value. Estimate how much it would cost to repair or replace your RV, and opt for at least that amount of coverage.
- How much it’s used. Plan how many road trips you might take and how far you’ll drive. Typically, more use means you need more coverage.
- What you need to cover. You probably need liability coverage. But you may add collision for your RV’s repairs, roadside service in case of breakdowns or comprehensive for fire, theft or vandalism.
What does RV insurance cover?
RV insurance can cover a variety of situations, including:
| What’s covered | Coverage type |
|---|---|
| You back into another car and damage your RV |
|
| You damage someone’s car or property |
|
| You hit another car and injure the driver or passenger |
|
| You’re injured after an accident |
|
| Someone without insurance crashes into your RV |
|
| Your RV is damaged from a fire or storm |
|
| You’re injured in an RV accident |
|
| The TV in your RV is stolen |
|
| Your RV breaks down and needs a tow |
|
| You won’t use your RV for a few months |
|
| Your pet is injured during a vehicle collision |
|
| Your campground golf cart is run over |
|
| A flat tire keeps you at the campground for extra days |
|
| Your RV is damaged while at an RV park |
|
| Your brand new RV is totaled or stolen |
|
How does RV insurance cover my personal belongings?
Like home insurance, RV insurance companies offer add-ons like contents coverage for wider protection, or they may increase the policy limit for some valuable items.
Contents coverage can help cover lost or damaged personal belongings, including rugs, household goods, DVDs, clothes, entertainment systems, televisions, furniture, jewelry or tools.
Or you can cover personal belongings in your RV if you have home insurance or renters insurance. This is a good option if you don’t live in your RV full time. Most home insurance policies include off-premises coverage for items damaged or stolen while they’re not in your home.
What kind of RV insurance do I need?
The coverage you need depends on factors like your RV’s age, how you use it, how often you use it and whether you drive it or not.
For example, if your RV is your full-time home, you might want more coverage for your belongings, while a tow-behind like a popup or fifth-wheel might be fine with add-on coverage through your car insurance policy.
What’s not covered by RV insurance?
To avoid a denied claim, stay aware of what your RV insurance won’t cover:
- Old damage or faulty repairs
- Tires popping, breaking or bursting
- Rust, corrosion or wear and tear
- Mechanical, structural or electrical failure
- Faulty design or workmanship
- Depreciation
- Fusion of electric motors
- Any item that explodes or leaks liquid
- Water damage — some policies include limited coverage, while others exclude
- Landslide or erosion except during storms
- Mold or extreme temperatures
- Legal impound
- Failure to secure your RV after an accident
- Unlawful use of the RV
- Towed vehicles and trailers
- Travel outside the US
Bottom line
Protecting your RV with the right insurance and navigating your policy’s fine print is essential. Compare your insurance policy options to find the coverage you need to relax and explore America in style.
Questions about RV insurance
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