RV Ownership

How Much Does RV Insurance Cost?

Posted on January 12, 2022
How Much Does RV Insurance Cost?

Finding information about the price of RV insurance online isn't easy.

Why?

Insurance companies need personal information to provide accurate quotes, and several variables determine the cost and coverage of RV insurance.

Don't get discouraged, though. Our team is here to save you hours of research and help you understand how RV insurance works.

Since we're RVers, we can get actual quotes for real RVs.

For this article, we use two popular RVs, a 2020 Airstream Basecamp X and a 2022 Airstream International, and compare the cost of RV insurance from five top-rated insurance companies in the U.S.

What contributes to the cost of RV insurance?

RV insurance rates vary depending on the make, model, class, age, and cost of an RV, as well as the insured's age, driving record, credit score, garaging zip code, and intended use.

Like all insurance policies, the cost to insure an RV changes when you choose a small or large deductible and add or remove special coverage packages, like roadside assistance or glass replacement.

Another factor that impacts the cost of RV insurance is usage. Coverage changes and cost increases when you use your RV for commercial purposes or decide to live in your RV full time.

Did you know? Renting out your RV on RVezy does NOT impact your personal RV insurance plan, which means you can make extra income with no risk to you. Learn more about how RV rental insurance works.

What do you need to get an RV insurance quote?

Most insurance companies won't provide quotes unless you're ready to provide the agent with your driver's license, social security number, and RV identifying information, such as the VIN.

If you don't have your RV yet, but you know the make, model, and cost of the RV you plan to buy, you can still get an accurate quote if you're willing to give your identification and run a soft credit check to provide your credit score and driving record.

Still not sure which RV is right for you? Try renting different RV models before you purchase the one that's right for you!

The top 5 RV insurance companies

Our team compiled opinions and statistics from financial publications, consumer groups, and trusted RV industry experts to determine which RV insurance companies rate the highest for personalized coverage, pricing, and customer service.

The top five RV insurance companies in the United States:

  • GEICO.
  • Progressive.
  • Nationwide.
  • Safeco Insurance.
  • National General Insurance.

The cost of RV insurance

To give readers an accurate breakdown of the cost of RV insurance, we've used an insurance profile from one of our team members. She recently relocated from Denver to Phoenix and owns a 2020 Airstream Basecamp X and a 2022 Airstream International.

Relocating? Use your move as an opportunity to compare the cost of RV insurance in your new location.

The best RV insurance prices from low to high

GEICO

GEICO provides affordable RV insurance rates and has some of the best discounts in the country. Unfortunately, GEICO isn't able to give steep discounts in every state. Even though our article provides a breakdown of costs for RV insurance for part-timers, GEICO also has some of the most competitive rates for full timers.

  • Total-loss comprehensive with a $500 deductible.
  • Total-loss collision with a $500 deductible.
  • Replacement effects to replace items inside the RV up to $5,000.

Airstream Basecamp: $281.52

Airstream International: $876.40

Total: $1,157.92 for a year

Find out more about what's covered when you insure your RV with GEICO.

Progressive

Progressive offers good driving discounts and multiple car discounts. Because the insured has a good record with the company, her deductible is $250 for comprehensive and collision.

  • Total-loss comprehensive with a $250 deductible.
  • Total-loss collision with a $250 deductible.
  • Replacement effects to replace items inside the RV up to $5,000.
  • Roadside assistance.

Airstream Basecamp: $616

Airstream International: $1,089

Total: $1,705 for a year

Find out more about what's covered when you insure your RV with Progressive.

Nationwide

Nationwide offers good driving and insurance bundle discounts. Nationwide also provides vanishing deductibles for drivers who have no accidents or claims. The vanishing deductible removes $100 from the deductible after the first 31 days without an accident or claim. Then the deductible lowers yearly by $100 after that until the insured has a $0 deductible.

  • Total-loss comprehensive with a $500 deductible.
  • Total-loss collision with a $500 deductible.
  • Replacement effects to replace items inside the RV up to $5,000.
  • Roadside assistance.

Airstream Basecamp: $559.35

Airstream International: $1,372.73

Total: $1,932.08 for a year

Find out more about what's covered when you insure your RV with Nationwide.

Safeco Insurance and National General RV Insurance

We also received quotes from Safeco Insurance and National General RV Insurance. The quotes had similar coverage and deductibles, but the bundled cost to insure the RV was more than GEICO, Progressive, and Nationwide.

Total: $1,950+ for a year

Find out more about Safeco Insurance or see what's covered with National General RV Insurance.

Ways to save money on RV insurance

Most RV insurance companies offer insurance and loyalty bundles, so it's possible to save more money on top of your quoted price.

If you like to save money, joining an RV discount club like Good Sam Club or Family Motorcoach Association (FMCA) can help you save money on everything from insurance to campground reservations. Before you pick an insurance plan, check if you can get any group or club discounts as part of your membership.

Read more about the RV lifestyle and RV rental

Team RVezy
Team RVezy

Team RVezy is a group of RV enthusiasts who traverse the U.S. and Canada in our campervans, tiny trailers, and motorhomes. We love the open road and the feeling of having nowhere to go but everywhere.

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