RV Insurance Cost

Discover how RV insurance rates vary by model, location, etc.

Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.

Paul Martin is the Director of Education and Development for Myron Steves, one of the largest, most respected insurance wholesalers in the southern U.S.

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When shopping for coverage to protect your RV, it's handy to have some average cost figures in mind. If you don't use your RV full time, you could pay as little as $200 per year, while full-time RV drivers can pay as much as $3,000. Currently, the average cost of RV insurance for the US overall is $1,500 annually. 

Luckily, an independent insurance agent can not only help you get equipped with all the RV insurance you need, but can also help you find the most affordable, yet quality, coverage. They are knowledgeable about RV insurance rates in their local areas and dedicated to customer service. They'll shop and compare quotes from multiple carriers for you. But first, here's a closer look at RV insurance costs. 

How Much Does the Cost of RV Insurance Vary by Location?

Like many other types of coverage including car insurance, RV insurance costs vary by location. This year, the average annual cost of RV insurance in Washington, DC, is $2,610. RV owners in Texas pay an average of less than $1,500 per year, while those in Oregon pay even less, just under $1,100. 

The most expensive state for RV insurance is Michigan, because of its local laws that require RV owners to purchase personal injury protection along with their regular coverage. RV owners in Michigan pay an average of $4,500 annually for their coverage, the highest in the nation, by far.

What Factors Influence the Cost of RV Insurance?

Also similar to car insurance, RV insurance's rates are influenced by many factors. For starters, the class of your RV greatly impacts your premiums. 

An independent insurance agent can help you find the right coverage for your RV by its specific class and other distinguishing features. 

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How RV Models and Specs Influence Coverage Rates 

Other components that influence the cost of your RV insurance are your RV's model and other specs. These include its:

Typically, the more expensive your RV is to purchase and repair or maintain, the more expensive its insurance rates are. Older RVs that are in worse condition can be seen as a larger risk to insurance companies and can cost more to insure. The amount of annual mileage your RV accumulates also influences your premiums, as being on the road more leads to more liability risk, and therefore higher rates.

The Type of RV Insurance Policy Influences Your Rates

Of course, the type of RV insurance you buy will also significantly affect your coverage rates. The simpler your coverage, the cheaper it's likely to be. And just like many other policies, those with a higher deductible tend to come with lower monthly or annual premiums.

Full coverage for an RV is more expensive and complex than basic coverage. Also, full-time RV drivers naturally require more coverage than part-time users who only take their RVs out on occasional trips. An independent insurance agent can help you get set up with all the coverage you need for your specific RV usage and break down how it influences your policy's rates.

Additional Factors That Influence Your RV Insurance Rates

There are more factors that can affect how much your RV insurance can cost. These include:

An independent insurance agent can help explain all the factors that could potentially influence the cost of your RV insurance in depth. 

Common Discounts That Can Help You Save Big on RV Insurance

It's always helpful to know all the discounts that exist on the coverage you're shopping for. RV insurance comes with several discounts of its own. Check out some common examples below:

An independent insurance agent can help scout out any and all applicable RV insurance discounts that you qualify for to help you save the most money possible.

Save on RV Insurance

Our independent agents shop around to find you the best coverage.

Best Insurance Companies for RV Insurance

Finding the best carrier for RV insurance is easy when you work with an independent insurance agent. They know which insurance companies to recommend to meet your needs, and can provide informed suggestions based on company reliability, rates, and more.

While many insurance companies might offer discount RV insurance, finding coverage could also depend on the area you live in. Here are a few of the top companies for discount RV coverage.

Why Choose an Independent Agent?

It’s simple. Independent insurance agents simplify the process by shopping and comparing insurance quotes for you. Not only that, but they’ll also cut the jargon and clarify the fine print so you know exactly what you’re getting.

Independent insurance agents also have access to multiple insurance companies, ultimately finding you the best discount RV coverage, accessibility, and competitive pricing while working for you.

https://www.nadaguides.com/RVs/shopping-guides/how-much-is-rv-insurance 

Now, who's ready to get their insurance problems solved?

Or talk to an agent now at (855) 372-0071