RV & Motorhome Insurance Cost Estimator (2025)
Get a quick estimate of your RV insurance cost based on vehicle type, usage, and coverage options. Compare and save on premiums instantly.
RV Insurance Calculator
Enter your RV details to get an instant insurance estimate
Step 1 – Vehicle Information
Step 2 – Coverage Options
What Impacts RV Insurance Premiums?
Understanding the factors that influence your RV insurance costs
Type and Class of RV
Class A motorhomes typically cost more to insure than campervans due to their higher value and size.
Frequency of Use
Full-time RV living requires specialized coverage and comes with higher premiums than occasional use.
Value and Age of Vehicle
Newer, more expensive RVs cost more to insure, but very old vehicles may also have higher rates.
Coverage Level and Deductible
Comprehensive coverage costs more but provides better protection. Higher deductibles lower premiums.
Storage and Security
Garaged RVs with security systems qualify for discounts compared to outdoor storage.
Location
Premiums vary by state due to different regulations, weather risks, and theft rates.