How much is RV insurance in 2022.

Recreational vehicles called RVs are mainly used as temporary homes while on a vacation or holiday. This is to say that it is a valuable asset that needs to be insured. So if you are asking whether it is mandatory for you to RV Insurance, the answer is yes. Having an RV insurance policy is of immense benefit to you. It helps protect the vehicle in the event of accident, theft, or breakdown, and the insurance protects your property to insure the RV, including your personal liability.

Also, it may interest you to know that Rv sales in the US have skyrocketed over the last decades. The RV Industry Association reports that more than 11 million households in the US own an RV. Basically, the majority of people, from the millennials to baby boomers, are investing in RVs due to their flexibility and luxury as a temporary home. Beyond being an inhabitable movable home, it is regarded as an excellent investment. 

Like your house or personal vehicle, owning an RV comes with risks, and these risks may arise whether your RV is parked at home, on a campground, or always on the road. To protect your RV, you have to get insurance, which is mandatory. 

Annual insurance premiums range from $2000 to $3000, and the price depends on how frequently you use your RV. If you use your RV on a part-time level, you will be required to pay $1,500 or less, while full-timers can pay between $2,000 to $3,000.

These various factors determine the price you will pay for your RV insurance. Knowing them will help you beat the price to favor you. 

How much is RV insurance in 2022.

What influences the cost of RV insurance?

Factors such as the age, size of the vehicle, class of the RV, model of the RV, RV insurance policy, and driver’s background play a great role in influencing the premium you will have to pay for your RV insurance.  

Let’s look at how the RV class and RV insurance policy affect insurance costs. 

RVs are categorized in classes. These classes spell their size. Typically the bigger the RV, the more it takes to insure it. RV is classified under three categories: Class A, B, and C. 

  • Class A: RVs categorized here refer to large and luxurious, top-of-the-line motorhomes. Generally, they are the most expensive to insure. 
  • Class B: This refers to smaller RVs like camper and sleeper vans. They have limited amenities such as kitchens, beds, and toilets. Often,  they are the cheapest to insure among the three classes. 
  • Class C: This refers to mid-sized travel homes with either a van or truck base with an overhead sleeping area. They can tow a car, which is less expensive than Class A RV and bigger than Class B RV. In terms of Insurance, they are more expensive than Class B but less than Class A. 

Additionally, towed travel trailers, such as pop-ups and fifth wheels, can be insured, but they generally cost less.

How your RV insurance policy affects costs

Typically, your premium price depends on the extent of your insurance coverage. A basic insurance policy costs less than full coverage. For instance, if you opt for a higher deductible—your premium will be lower, but you will have to spend more when an unpleasant incident occurs

Full-time RVers will have to pay more for insurance because they need a more robust insurance coverage than Part-time RVers. 

Also, your state’s minimum coverage requirements play a direct role in influencing your insurance cost. Some state has policies that mandate that you carry extra personal injury protection or a minimum amount of liability insurance.

Can You Save Money on RV Insurance 

There are ways you can implore to save money off your RV insurance. Here, we will be looking at the best five ways to save money on RV insurance. 

1. Check out RV Insurance Rates Online

Before an RV insurance, go online and check out the insurance companies and compare their prices. Additionally, compare their services and choose the best that fits your RV and budget. 

2. Drive Safely

If you frequently drive your RV, your premiums will be higher than the person who drives less frequently or parks his RV for a long time. So ensure your drive only when it is necessary. 

In driving, ensure you are careful because accidents and other road mishaps increase the risk factors of your RV, which leads to higher premiums

3. Improve Your Credit Rating

Your credit rating simply means your ability to pay a policyholder’s claim. If you have a good credit rating, it inspires the insurance company to trust in you more, which helps to reduce your premiums. 

4. Avoid Unnecessary RV Coverage

Typically, the large your scope of coverage, the more premium you will have to pay. So, look out for unnecessary coverages, and avoid them. 

Just go for the RV insurance that is enough to replace your RV and pay for any damages incurred.

5. Go for Usage-Based Insurance

If you don’t often use your RV,  I will advise you to go for usage-based insurance. In Usage-Based insurance, the insurance premium cost is determined by your RV’s time, distance, place, and behavior.
If you hardly use your RV, you will attract lower payments. This is a good RV insurance plan for part-time RVers. 

What is the Best RV insurance?

To choose the best RV insurance, there are three factors you must put into place. They are:

1.   Customer support system: Go for a company that takes immediate action in answering the complaints of its client. Any insurance company that will prolong before answering you isn’t the best. A good customer support system is paramount. 

2.    Provision for discount: Some companies offer discounts, while other doesn’t. Some companies offer competitive insurance premiums; this allows you to choose amongst them to get the best favorable prices and discounts.

3.   The coverage and benefits: An insurance company that offers versatile insurance coverage with many attached benefits is the best. I will advise you got the one with unlimited liability, an RV insurance that offers full-timer coverage that covers both your personal property and yourself as an individual.  

On the premises of the above three factors, the five top RV insurance companies on my list are:


2.    Good Sam company

3.    Progressive

4.    National general

5.    State Farm

What are the Types of RVs Insurance Coverage?

Similar to auto insurance, RV insurance covers the same incidents such as damages incurred through theft, accident, fire breakout, climatic conditions, water damage, or natural phenomenon. 

Texas General Insurance stated that the RV insurance also protects you from an accident (personal liability), including third parties don’t have insurance.” 

The type of RV insurance available for you differs depending on your RV ownership status. If you own your RV, you’re only required to carry standard liability insurance, including personal injury protection (especially if you live in a no-fault state). However, if the RV is financed or leased, this is a possibility that your lender may require you to carry a full coverage policy that covers comprehensive and collision coverage.


Similar to auto insurance, you can decide to add endorsements to your RV insurance coverage – it is totally optional. Some of the most common additional coverage include roadside assistance, towing, and personal liability coverage, which can cover your personal belongings on the RV. 

Also, keep in mind that RV insurance requirements differ for part-time and full-time RVers. Basically, full-time RV residents need more detailed coverage because their RV is their permanent residence.

On the other hand, Part-time RV insurance is an insurance policy that covers RVs during short-duration trips. It covers damages caused by theft, accidents, or climatic factors on the RV during the trip.  

So basically, what here means is that if you are an RV full-timer, you should go for longer insurance coverage, and for an RV part-timer, the shorter insurance coverage will do.

However, if you are confused about whether you are a full-time or part-timer, you should consult an insurance company. The rule states that the duration below 150 days is considered a short time. And if you use your RV for less than 150 days annually, you can opt-in for part-time RV insurance coverage. You are regarded as a full-timer for more than 150 days per annum. 


RV insurance is compulsory whether you own an RV or lease it. Ensure you compare the prices of different insurance companies before choosing any to get the best deals. Always ensure that your RV insurance policy is supported by the law of your state so that you won’t attract any form of legal action. 

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