By Lazydays

The cost of RV insurance can vary significantly depending on the type of RV, the type of coverage, and local legal requirements.

Every U.S. state and Canadian province requires RVs be insured if you plan to take it on the road, so factor that in along with the cost of maintenance, gas, and registration. Specific insurance coverage requirements may differ, so make sure that you've adequately insured your new RV.

Are Motorhomes Expensive to Insure?

The annual insurance premiums on your motorhome or RV may actually end up being less than the amount you pay to insure your car. The biggest factor in your RV insurance cost is the specific type of vehicle. The most luxurious of motorhomes cost more to insure, while a smaller Class B motorhome will cost a fraction of that.

  • A Class A diesel pusher (the most luxurious RVs) may cost upwards of $2,000 to insure annually.
  • A Class C vehicle (vehicles built on a truck or van chassis) may have an insurance cost of $600 to $1,000 annually.
  • Class B motorhomes (such as conversion vans) could cost between $300 and $1,000 to insure annually.

While there are many types of RV insurance at a variety of price points, you should at least have liability coverage in case of property damage or injury. This is the most basic level of insurance. If you want more extensive motorhome insurance, the cost will be higher, but your vehicle and the belongings inside it will be better covered.

Get a Free RV Insurance Quote and Protect Your Vehicle and Investment

A motorhome is a significant investment, and you should make sure that your home away from home is protected just like your regular home. Nobody likes paying motorhome insurance costs, but you'll be glad to have good coverage in case of an accident, injury, or act of nature. At Lazydays, we have more than 30 years of experience with RV insurance, and we can help you get the coverage you need while minimizing your RV insurance cost. We're equipped to handle a variety of insurance needs, such as umbrella policies, renewals, and policy changes as well as medical emergency insurance, vacation liability coverage, and even roadside assistance. Contact us today to get a free quote on an RV insurance policy that fits your needs!