RV Insurance Cost Calculator: How Much Is RV Insurance in 2026?

How much is RV insurance? Published averages by RV type

Progressive reports 2024 countrywide averages of $594 a year for travel trailer policies and $1,052 a year for motorhome policies. Published ranges run from a few hundred dollars a year for pop-up campers to $3,000 or more for Class A motorhomes. Your price depends on the RV, how you use it, where you garage it, and the coverage you choose.

Averages and ranges are published figures, not quotes. Good Sam Insurance Agency also advertises policies from as little as $15 a month, based on a 2025 survey of combined travel trailer and motorhome policies.

Towing a camper? See our travel trailer insurance cost guide and travel trailer insurance coverage guide. To estimate your own premium, use the calculator below.

RV insurance cost calculator

Choose your RV type and enter its stated value, garaging ZIP code, how often you use it, your coverage style and deductible, off-season storage, and settlement method. Then select Calculate estimate.

Estimates only. This calculator uses simplified, illustrative factors to show how common inputs can move a premium. It is not a quote, does not use any insurer's filed rates, and does not guarantee price or eligibility. Actual premiums depend on underwriting by the insurer.

What drives RV insurance costs

These are general tendencies used in the calculator's simplified model. Insurers use their own filed rating plans.

RV coverages to understand

• Liability for injuries and damage you cause while driving a motorhome.
• Collision and comprehensive for damage to the RV from crashes, theft, fire, hail, falling trees, and animal strikes.
• Total loss replacement, offered by some insurers for newer RVs, which can replace a totaled unit with a new one of similar kind.
• Personal effects for belongings inside the RV, which an auto policy does not typically cover.
• Vacation or campsite liability for injuries at your campsite while the RV is parked.
• Full-timer coverage for people who live in the RV most of the year.
• Emergency expense and roadside coverage for lodging, transportation, and towing large vehicles.
• Uninsured motorist and medical coverage, subject to state requirements.

Our RV insurance page explains these coverages in more detail.

Towable RVs and your auto policy

When a travel trailer or fifth wheel is hitched to your vehicle, the tow vehicle's auto policy generally extends liability to the trailer. That liability usually does not pay for damage to the trailer itself, its contents, or liability when it is parked at a campsite. A separate towable RV policy can add physical damage, contents, and campsite liability. Confirm with your auto insurer how your policy treats a trailer you tow, especially if it is large or used for extended trips.

Actual cash value, agreed value, and total loss replacement

How a policy settles a total loss can matter as much as the premium. Actual cash value pays the RV's market value at the time of loss, reflecting depreciation, which can leave you owing more than the payout on a financed RV. Agreed or stated value policies set the amount in advance, though stated value can still pay less in some cases. Total loss replacement, offered by some insurers for newer RVs, can pay to replace the unit. Ask each insurer which settlement method applies and compare the premium difference.

Ways to lower RV insurance costs

• Bundle the RV with your auto and home policies where discounts apply.
• Choose a deductible you can afford on physical damage coverage.
• Ask about lay-up or storage options during months you do not use the RV.
• Complete an RV safety or driving course where discounts are offered.
• Install anti-theft devices and store the RV in a secured location.
• Pay in full or set up automatic payments if it reduces fees.

Full-time RVers

If an RV is your primary residence, a standard RV policy may not be enough. Full-timer coverage typically adds personal liability similar to homeowners insurance, higher personal effects limits, and medical payments for guests. Insurers may also ask for your domicile state, which affects registration, licensing, and the policy's rating. Be honest about full-time use, since misrepresenting use can jeopardize a claim.

When an agent may help

Online tools work well for simple situations. A conversation with a licensed agent may be more useful when:

• You have a teen driver, several vehicles, or drivers with recent accidents or violations.
• You need an SR-22 or other state filing. See our SR-22 insurance page.
• You use a vehicle for rideshare, delivery, or other business purposes.
• You own a home, rental property, or significant savings and want liability limits that work with an umbrella policy.
• You have had a claim denied or a policy nonrenewed and need help understanding your options.

An agent can also explain differences in policy wording that are hard to see on a results page.

How to use the calculator well

1. Start with your real numbers. Use your RV's actual details rather than rounded guesses.
2. Change one input at a time. Adjust a single choice, such as the deductible, and recalculate to see how much that choice alone moves the estimate.
3. Test the coverage you actually want. Lower estimates often reflect less coverage. Decide what protection you need before focusing on price.
4. Note the inputs that matter most. Bring them to your quote conversation so an agent can focus on the same trade-offs with real rates.
5. Request quotes. Actual premiums come only from insurers after underwriting.

If you have an RV claim

If your RV is damaged, stolen, or involved in an accident, act quickly. Make sure everyone is safe and call 911 for injuries. Photograph the scene and damage, exchange information with others involved, and get contact details for witnesses. Report thefts to police right away and keep the report number. Notify your insurer promptly, even if you are unsure whether you will file a claim, since late reporting can complicate coverage. Keep receipts for towing, storage, and temporary repairs that prevent further damage.

Renting out your RV

Peer-to-peer RV rental platforms let owners earn income, but most personal RV policies exclude coverage while the RV is rented to others. Rental platforms typically provide their own insurance during the rental period, with their own limits and deductibles. Before listing your RV, read the platform's protection terms, ask your insurer whether renting voids or limits your coverage, and consider a commercial or rental-specific policy if you rent frequently.

Sponsored: vehicle service contracts are not insurance

What to have ready for an RV quote

These details help produce an accurate RV quote.

1. RV details. Year, make, model, class, and VIN.
2. Value. Purchase price, current value, and any loan balance.
3. Use. Trips per year, full-time use, and storage location.
4. Drivers. Licenses and driving history for anyone who drives or tows the RV.
5. Current policies. Auto and home declarations pages for bundling.

RV insurance cost calculator FAQs

Related guides

• RV insurance
• Motorcycle insurance calculator
• ATV insurance calculator

Your next step

Use the calculator for a ballpark, then request a quote so a licensed agent can compare actual RV rates.