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Cheapest RV Insurance of 2024

According to our research, considering quotes from many providers, the average RV insurance policy costs around $1,500 per year. However, this is a generalized average, and the actual cost of an RV policy can vary significantly. To determine the precise cost, you must obtain RV insurance quotes from providers. RV insurance rates differ widely due to personalized factors, making the cheapest RV insurance company for your neighbor potentially not the most economical choice for you.

Navigating the Road to Savings: Finding the Cheapest RV Insurance

Factors Influencing RV Insurance Premiums

Several personalized factors influence the cost of your RV insurance premiums. Understanding these factors can help you find the most affordable coverage that suits your needs. Here are the key determinants:

  • Driving History: Your driving record plays a significant role in setting your RV insurance premiums. A clean driving record typically results in lower rates.
  • RV Value: The more expensive your camper is, the higher your insurance premiums are likely to be.
  • Type of RV: In general, motorhome insurance tends to be more expensive than travel trailer insurance.
  • Usage: How frequently you use your RV can impact your premiums. Those who store their campers for extended periods may enjoy lower rates, while full-time RVers often pay more for comprehensive coverage.
  • RV Driving Experience: Insurers may consider your experience handling RVs in addition to your general driving history.
  • Location: Different regions have unique risk factors and regulations, leading to varying premium rates based on your RV’s location.
  • Credit Score: In many states, insurance companies use credit scores to determine premiums. Drivers with poor credit often face higher insurance costs.
  • Coverage: The types and amounts of coverage you choose influence your RV premiums significantly. You have the flexibility to customize your policy beyond state and lender requirements.

Also Read: RV Insurance Cost Calculator

Standard RV Insurance Coverage

Similar to auto insurance, RV insurance covers various aspects, including:

  • Bodily Injury Liability: Covers medical expenses and lost wages for parties injured in an accident where you are at fault.
  • Property Damage Liability: Covers physical damage to vehicles and property caused by an accident for which you are at fault.
  • Collision Coverage: Covers physical damage to your RV resulting from a covered loss, regardless of fault.
  • Comprehensive Coverage: This covers damages to your RV from non-accident sources, such as extreme weather, fire, and vandalism.
  • Uninsured/Underinsured Motorist: Provides coverage for property damage and injury expenses if the at-fault driver lacks sufficient coverage.
  • Personal Injury Protection (PIP): Covers medical expenses and lost wages for your party, regardless of fault.
  • Medical Payments (MedPay): Covers medical expenses (excluding lost wages) for you and your party following an accident, regardless of fault.

RV Insurance Providers

When seeking the cheapest RV insurance, it’s essential to consider reputable providers that offer competitive rates. Here are two top RV insurance providers worth exploring:


Progressive is a longstanding player in the insurance industry, known for its trustworthiness and track record. They offer various tiers of coverage to accommodate different needs and preferences. Progressive also provides an easy-to-navigate online interface for convenient access and offers additional benefits like accident forgiveness and vanishing deductibles for safe drivers.

Pros and Cons:

  • Many types of coverage are available
  • Coverage for all classes of RVs
  • Extra incentives and discounts
  • A trusted name in the industry

Auto-Owners Insurance

With a history dating back to 1916, Auto-Owners Insurance has established itself as a reputable insurance provider. The company tailors its policies to individual needs, offering various types of insurance. Auto-Owners Insurance receives high customer ratings and is rated Superior A++ by AM Best Company.

Pros and Cons:

  • Excellent customer ratings
  • Superior A++ rating by AM Best Company
  • User-friendly website
  • Discounts for paperless billing and mature drivers
  • Quotes available only through agents
  • Policies available in 26 states

Additional RV Coverage Options

In addition to standard coverage, most RV insurers offer policy add-ons to address other aspects of RVing. Some common additional coverage options include:

  • Emergency Expense Coverage: Covers costs for dining, lodging, and travel expenses if your RV breaks down far from your destination.
  • Full-Timer Liability: Similar to homeowners insurance, it covers property and injury liability claims if you use your RV as your primary residence.
  • International Coverage: Extends coverage to your RV when traveling outside the U.S.
  • Personal Property Coverage: Covers personal belongings not covered by homeowners insurance.
  • Pet Injury Coverage: Pays for pet medical bills in a covered loss.
  • Rental Reimbursement: Covers rental vehicle costs if your RV is totaled or undergoing repairs.
  • Roadside Assistance: Includes emergency roadside services like tire repair, fluid delivery, and towing.
  • Safety Glass: Covers RV windshield repair or replacement.
  • Sound System: Protects speakers and audio equipment in your RV.
  • Towing and Labor: Covers on-site repairs or towing if your RV breaks down on the road.
  • Vacation Liability: Covers liability claims while your RV is parked away from your home base.


Navigating the road to the cheapest RV insurance involves considering these factors, choosing the right coverage, and selecting a reputable provider tailored to your unique needs. With the right policy in place, you can enjoy your RV adventures with peace of mind, knowing you’re protected and saving on insurance costs.

Also Read: Is Living in an RV Van Cheaper Than Renting

Nyra Abigail

My Name is Nyra Abigail and in 2016, I made the decision to leave my traditional living situation and hit the road in a Dodge Ram Van. Since then, I've had the opportunity to camp in 48 states and hike in many of the United States' National Parks. My mission is to inspire and assist others in living an adventurous lifestyle, whether that be through van life or RV living. We provide a comprehensive resource to help guide and support individuals on their own journeys of discovery.

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