RV insurance averages about $1,150 a year across motorized classes, $96 a month, and falls to $480 or less for towable travel trailers. Where you land depends mostly on class: Class A motorhomes average $1,480, camper vans $880, Class C $1,090, fifth wheels $640, and truck campers $340. Full-time status adds roughly 35%.
There's no single "RV insurance" price because there's no single RV. A 20-foot popup behind a pickup shares almost nothing, risk-wise, with a 40-foot diesel pusher. The table below shows typical annual premiums for full coverage at each class's typical insured value, for a non-full-time owner in a standard region with a $500 deductible:
| RV class | Typical insured value | Avg annual premium | Typical range |
|---|---|---|---|
| Class A motorhome | $150,000 | $1,480 | $1,200 – $2,500+ |
| Class B camper van | $80,000 | $880 | $700 – $1,500 |
| Class C motorhome | $90,000 | $1,090 | $900 – $1,600 |
| Travel trailer | $30,000 | $480 | $300 – $800 |
| Fifth wheel | $45,000 | $640 | $450 – $1,000 |
| Truck camper | $20,000 | $340 | $200 – $600 |
Run your own rig through the RV insurance cost calculator to apply your value, usage level, region, and deductible to these baselines.
Class, insured value, usage, region, deductible in. Annual and monthly premium out, with your class baseline for comparison.
RV Insurance Cost Calculator →A motorhome is two insurance products stapled together: auto coverage because you drive it, and property coverage because people live, cook, and sleep in it. A travel trailer is only the property half, and even its liability rides along with the tow vehicle while in transit. That's why a $30,000 travel trailer costs about $480 a year while a $90,000 Class C runs $1,090.
Towables have their own trap, though: many owners assume their auto policy covers the trailer. It extends liability while towing, but a stolen trailer, hail damage in a storage lot, or a fire at a campground is uncovered without a separate trailer policy. At $300 to $800 a year, it's the cheapest coverage in the table and the most commonly skipped.
About 35% to the premium, and a category of coverage that doesn't exist on auto policies. Once an RV is your residence, you need personal liability (a guest injured at your site), personal belongings coverage (everything inside, from laptops to kitchen gear), and additional living expenses, a hotel or rental while the RV is repaired. A $1,117 Class C base premium becomes about $1,508 with full-time status, before region and deductible adjustments.
Location adjustments are real too. Gulf and Southeast states, where hail and hurricanes concentrate, run about 18% over the national baseline. The West carries roughly a 5% wildfire loading, and Plains and Mountain states run about 8% under. A Texas full-timer can easily pay double what a Midwest weekend warrior pays on the identical floor plan.
Take a $95,000 Class C used full-time, registered in Texas, $1,000 deductible. Baseline $1,090, value factor 0.55 + 0.45 × (95,000 ÷ 90,000) = 1.025, so $1,117.25. Full-time: ×1.35 = $1,508.29. Gulf region: ×1.18 = $1,779.78. $1,000 deductible: ×0.90 = $1,602 a year, $133.48 a month. The same rig used occasionally in Ohio with a $500 deductible would run about $1,090 × 1.025 × 0.85 = $950 a year, so the full-time Texas premium carries a 69% lifestyle-and-location surcharge.
While you're auditing the rolling household, check the liability side. State-minimum auto limits on a 26,000-pound vehicle leave a lot of exposure, and a umbrella policy or a boat policy for the tow-behind toys may belong in the same budget. If a motorcycle rides on the back bumper, price it separately with the motorcycle insurance calculator.
Only the liability side, and only while you're towing. The trailer itself, its contents, and campground incidents need their own policy, typically $300 to $800 a year for a mid-size travel trailer with comprehensive and collision. Without it, a stolen trailer or a hailstorm in a storage lot is entirely your loss.
Value and exposure. A Class A often insures for $150,000 to $500,000 versus $60,000 to $150,000 for a Class C, it's heavier and harder to handle in wind, and its residential systems, water lines, appliances, slide-outs, generate frequent fire and water claims. Class A averages about $1,480 a year against $1,090 for Class C at typical values.
Roughly 35% over a seasonal policy. That's because full-timers coverage adds what amounts to homeowners protection: personal belongings, personal liability when someone is hurt at your campsite, and additional living expenses if the RV becomes unlivable. For a Class C at $1,117 base, full-time status moves it to about $1,508 before regional and deductible adjustments.
A policy option that drops coverage to comprehensive-only during the months the RV sits in storage, since it can't collide with anything in a locked yard. In snow-belt states with five-month storage seasons, it typically saves 8% to 15% a year. Pair it with a secured storage facility for the biggest total discount.