Estimate your annual premium by RV class, insured value, and how you use it
Estimates built from typical published industry averages for each class. Actual quotes depend on driving record, insurer, storage location, and coverage limits.
Typical annual premiums for full coverage (comprehensive + collision + liability for motorized units) at each class's typical insured value, frequent (non-full-time) use, standard region, $500 deductible. Your quote will vary.
| RV Class | Typical Insured Value | Avg Annual Premium | Typical Range | Monthly (avg) |
|---|---|---|---|---|
| Class A motorhome | $150,000 | $1,480 | $1,200 – $2,500+ | $123 |
| Class B camper van | $80,000 | $880 | $700 – $1,500 | $73 |
| Class C motorhome | $90,000 | $1,090 | $900 – $1,600 | $91 |
| Travel trailer | $30,000 | $480 | $300 – $800 | $40 |
| Fifth wheel | $45,000 | $640 | $450 – $1,000 | $53 |
| Truck camper | $20,000 | $340 | $200 – $600 | $28 |
Motorized classes cost roughly double comparable towables: you're insuring a vehicle and a residence in one hull, and driving it. Full-time status adds about 35%, Gulf/Southeast states add about 18%, and Plains/Mountain states run about 8% below average.
RV insurance isn't one product. Motorized RVs carry auto-style liability plus comprehensive and collision on the unit. Towables carry physical damage only, because liability follows your tow vehicle. Full-timers need a hybrid that adds personal belongings and premises liability, closer to a homeowners policy on wheels. This calculator estimates the full-coverage premium for your class, then scales it with the factors that move real quotes.
Each class has a baseline premium at its typical value: $1,480 for Class A, $880 for Class B, $1,090 for Class C, $480 for travel trailers, $640 for fifth wheels, $340 for truck campers. Value scales it with 0.55 + 0.45 × (your value ÷ typical value), so doubling the rig doesn't double the price. Usage multiplies next: full-time 1.35, frequent 1.00, occasional 0.85. Then region (Gulf/Southeast 1.18, West 1.05, Plains/Mountain 0.92, standard 1.00) and deductible ($250 is 1.12× the $500 base, $1,000 is 0.90×, $2,000 is 0.82×).
Insure for replacement value, not what you paid years ago: check current comps for your model, or ask your carrier for an agreed-value policy, which pins the payout number at the start. Pick honest usage, the difference between "occasional" and "full-time" is 59% on the same rig, and misstating it can void a claim. If you winter-store the RV, ask for lay-up coverage on top of whatever this shows.
A couple full-timing in a $95,000 Class C, registered in Texas, with a $1,000 deductible. Baseline: $1,090. Value factor: 0.55 + 0.45 × (95,000 ÷ 90,000) = 1.025, so $1,090 × 1.025 = $1,117.25. Full-time: ×1.35 = $1,508.29. Gulf region: ×1.18 = $1,779.78. Deductible: ×0.90 = a final $1,602 a year, or $133.48 a month.
The other end: a $28,000 travel trailer towed a few weekends a year from Ohio. $480 × (0.55 + 0.45 × 28,000/30,000 = 0.97) = $465.60, ×0.85 occasional = $395.76. Call it $396 a year, $32.98 a month, about 1.4% of the trailer's value annually.
Motorized RVs average about $1,150 a year, roughly $96 a month, across Class A, B, and C motorhomes. Towables are much cheaper: travel trailers average around $480 a year ($40 a month), fifth wheels about $640, and truck campers $340. A $95,000 Class C driven full-time in Texas runs closer to $1,600 a year.
Motorized RVs (Class A, B, C) are motor vehicles, so every state that requires auto insurance requires liability coverage when you drive them. Towable trailers aren't required to carry their own liability, your tow vehicle's liability extends to the trailer. If the RV is financed, the lender requires comprehensive and collision on it regardless of what state law says.
Full-timers policies blend auto and homeowners coverage: liability for the vehicle, plus personal liability, personal belongings, and even additional living expenses if the RV becomes unlivable. A standard auto policy covers none of the belongings or residency side, so living in an RV full-time without a full-timers endorsement leaves a large gap. Expect it to cost roughly 35% more than a seasonal policy.
Three stacked reasons: the insured value is often $150,000 to $500,000, you're driving a 26,000+ pound vehicle with residential components (water lines, appliances, slide-outs) that fail and burn, and wind and fire claims are frequent in the states where RVs concentrate. Average premiums run about $1,480 a year and can exceed $2,500 for new diesel pushes with high agreed values.
Partly. Your auto liability typically extends to a trailer while it's being towed, so you're legal. But the trailer itself, its contents, and incidents while it's parked at a campground are not covered by a standard auto policy. A separate trailer policy with comprehensive and collision typically costs $300 to $800 a year for a mid-size travel trailer.
Ask for lay-up or seasonal coverage that drops to comprehensive-only during storage months, common in northern states and worth roughly 8% to 15%. Store the RV in a secured facility, raise the physical damage deductible, pay the term in full, bundle with your auto or home policies, and complete an RV driving safety course. Shopping every two years matters too, RV insurers rate classes and regions very differently.