How Much Does RV Insurance Cost?

RV parked in a sunset

Need to know how much RV insurance cost? Here is info about RV insurance rates, what affects them, single RV insurance cost, and more.

RVs are incredibly fun to own. If you have recently bought an RV, you may be wondering about the best motorhome insurance and RV insurance rates. 

RV insurance cost depends on many factors, including where you live, how often you plan to drive it, and more. If you’re asking, how much does motorhome insurance cost, we’ve got answers. Below is a guide about RV insurance rates and more.

RV Insurance Basics

RVs and campers are investments that need protection. Simply put, RV insurance protects against total loss, theft, and damages, as well as emergency coverage if your RV breaks down on the road.

Even if you are not required to have RV travel insurance, it’s a good idea to get coverage. Getting the right travel insurance for your camper requires some consideration.

RV Insurance Rates

While RVs are bigger than cars, they are generally considered to be less of a risk. As such, the cost of insuring an RV is less expensive than a car. 

One of the biggest things that determine how much you’ll pay is the state you live in – each one has its requirements. For example, Michigan is the state with the highest motorhome insurance rates. This is because Michigan requires personal injury protection coverage, which means higher costs for insurance companies when a claim is filed. 

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Factors That Affect RV Insurance Rates

There are other factors besides where you live that affect your RV insurance rates:

  • The age, condition, and type of RV 
  • Your experience driving an RV
  • Your driving record
  • Where you will travel
  • The number of claims you file
  • The type and amount of insurance you purchase
  • How much you drive your RV

Types Of RV Insurance

  • Bodily injury and property damage liability insurance 
  • Comprehensive and collision coverage
  • Personal effects
  • Roadside assistance
  • Vacation liability coverage
  • Custom equipment
  • Total loss replacement

For an RV rental, you may need to purchase temporary RV insurance coverage.

Types Of RV Insurance Discounts

Some potential discounts that may apply to you:

  • A good driving record
  • Being the original owner of an RV
  • Bundling policies
  • Paying your annual premium in full
  • Being claim-free
  • Getting paperless statements
  • Going on auto-pay
  • Having an anti-theft device on your RV

Many RV owners ask if they can freeze their RV insurance when not using it. You may be able to freeze your policy; however, it’s not recommended. If something happens to your RV while it is parked in your driveway or storage, an insurance policy can help protect it even while you don’t have it on the road.

Where Can I Buy RV Insurance?

Begin by getting a quote. A licensed agent will go over your options and provide you with a quote for the best RV insurance for your needs. Then you can purchase your motorhome insurance and enjoy extra protection while you’re in campers world.

Call InsureOne today at (800) 836-2240 to get your free RV insurance cost estimate. We know you’re busy, so we do all of the hard work for you. We compare life insurance rates from the country’s top insurance companies to get you the best RV insurance rates.