RV insurance • Travel trailers and campers
How Much Is Travel Trailer Insurance? 2026 Costs Explained
Travel trailer insurance averaged $594 a year at Progressive in 2024, according to its published countrywide average. Comparison sites publish ranges from about $180 to $1,000 a year for basic travel trailer and camper coverage. Your price depends on the trailer’s value, how often you use it, where you store it, and the coverage you choose.
This guide covers published travel trailer insurance costs, how towing liability works with your auto policy, what drives your price, and practical ways to save. Blake Insurance Group is an independent agency, and a licensed agent can compare travel trailer options available to us.
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Published travel trailer and RV insurance costs
| RV type | Published figure | Source |
|---|---|---|
| Travel trailer | $594 per year average | Progressive, 2024 countrywide average |
| Motorhome | $1,052 per year average | Progressive, 2024 countrywide average |
| Motorhome, liability only | Starting at $125 per year | Progressive |
| Class A motorhome | $600 to $3,000 per year | Insurify, 2025 ranges |
| Class B camper van | $480 to $1,000 per year | Insurify, 2025 ranges |
| Class C motorhome | $540 to $1,500 per year | Insurify, 2025 ranges |
| Travel trailer or camper | $180 to $1,000 per year for basic coverage | Insurify, 2025 ranges |
| Pop-up camper | $200 to $550 per year | Insurify, 2025 ranges |
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.
Estimate your own cost
Published averages are a starting point. Our RV insurance cost calculator lets you choose travel trailer, fifth wheel, or pop-up, enter the trailer’s value and ZIP code, and see an estimated range based on how you use it, your deductible, storage, and valuation method. For an actual price, request a quote.
How towing liability affects the cost
Most auto policies extend liability coverage to a trailer while it is hitched to the tow vehicle, so the auto policy’s limits apply to the combination. That is one reason travel trailer insurance usually costs less than motorhome insurance: a towable policy is mostly about physical damage to the trailer, your belongings, and liability while the trailer is parked at a campsite. Your auto policy generally does not pay to repair or replace the trailer itself.
Check your auto policy’s liability limits before a long trip, and confirm with your agent how it treats the trailer.
What drives travel trailer insurance cost
- RV type and value. Motorhomes need their own road liability and cost more; towables usually cost less.
- How you use it. Full-time living adds personal liability and contents coverage, and insurers’ guides commonly estimate it costs 20% to 50% more than vacation use.
- Valuation. Agreed value and total loss replacement cost more than actual cash value.
- Deductibles. Higher physical damage deductibles lower the premium.
- Storage. Many insurers offer a storage or lay-up option that reduces coverage, and premium, while the RV is parked for the season.
- Where you garage it. Weather, theft, and claim costs vary by state and ZIP code.
- Driving record and bundling. A clean record and bundling with auto or home insurance often lower the price.
Fifth wheels, pop-ups, and toy haulers
Fifth wheels are usually larger and more valuable than bumper-pull trailers, so physical damage coverage costs more. Pop-up and folding campers are usually the least expensive towables to insure. Toy haulers add a garage area for motorcycles or ATVs, and the vehicles inside need their own coverage. Teardrop trailers are small and are usually priced like other low-value towables.
Full-time travel trailer living
If you live in your trailer six months or more a year, most insurers require full-timer coverage, which adds personal liability, more contents coverage, and sometimes loss assessment and emergency expense coverage. Insurer and comparison guides commonly estimate full-timer coverage costs 20% to 50% more than vacation coverage. Tell your insurer how you use the trailer so a claim is not denied.
Ways to lower travel trailer insurance cost
- Use a storage or lay-up option if the trailer sits for the off-season.
- Raise the physical damage deductible if you can cover it.
- Bundle with the auto policy on your tow vehicle or your home insurance.
- Choose the right valuation. Agreed value or total loss replacement costs more but pays more on a newer trailer.
- Add theft protection such as hitch locks, wheel locks, or a tracker, and store the trailer in a secure lot.
- Compare quotes from several insurers with the same limits and deductibles.
What to have ready for a travel trailer quote
- Trailer details. Year, make, model, length, VIN, and purchase price or current value.
- Use. Vacation, extended trips, or full-time living, and where you camp.
- Storage. Where the trailer is kept and for how long each year.
- Tow vehicle. Your auto policy and its liability limits.
- Contents. A rough value of what you keep in the trailer.
Travel trailer insurance cost FAQs
How much is travel trailer insurance per year?
Progressive reports a 2024 countrywide average of $594 per year for travel trailer policies. Comparison sites publish ranges of about $180 to $1,000 a year for basic coverage. Your price depends on the trailer, your use, your state, and the coverage you choose.
How much is travel trailer insurance per month?
Dividing published annual figures by 12 gives roughly $15 to $85 a month for many policies. The Good Sam Insurance Agency advertises policies from as little as $15 a month.
Is travel trailer insurance required?
Most states do not require a separate travel trailer policy, because your tow vehicle’s liability usually extends to the trailer while it is hitched. Lenders usually require physical damage coverage on a financed trailer.
Is travel trailer insurance cheaper than motorhome insurance?
Usually. Progressive’s 2024 averages were $594 a year for travel trailers and $1,052 for motorhomes, largely because towables rely on the tow vehicle for road liability.
Does full-time living raise the cost?
Yes. Full-timer coverage adds personal liability and more contents protection, and insurer and comparison guides commonly estimate it costs 20% to 50% more than vacation coverage.
Related guides
Important information
Compensation. The link in the partner quote box near the top of this page is sponsored, and Blake Insurance Group may be paid if you make a purchase. Sponsored placement does not affect the other information on this page.
Independent agency. Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16944666. Licensed states: AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, and WA. Which insurance companies we can quote depends on our current appointments, the product, and your state. Mentioning a company on this page does not mean we represent it.
Cost figures. Published averages and ranges are cited from the sources named, as of the dates shown. They are not quotes and may not reflect your price, which depends on the insurer, your state, your RV, and your driving history.
Availability. Coverage, prices, discounts, and eligibility vary by insurer, state, and applicant, and are subject to underwriting. The issued policy controls.
Your next step
Tell us about your trailer and how you use it, and a licensed agent will compare travel trailer options available to us.