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RV Insurance Calculator 2026
Get a realistic cost range for your RV insurance based on vehicle type, value, how often you travel, and the coverage level you need.
RV insurance costs vary dramatically based on vehicle type, value, and usage. A pop-up tent trailer used on weekends costs a fraction of a Class A motorhome used full-time. This calculator uses industry-average 2026 rates to give you a realistic planning range — not a quote.
1. RV Type
2. Estimated RV Value
3. How Often Do You Use It?
4. Coverage Level
RV Insurance — Frequently Asked Questions
How much does RV insurance cost per year?
RV insurance costs range from $400/year for a basic travel trailer to $5,000+/year for a full-time Class A motorhome with full coverage. The average for a recreational Class C motorhome with standard coverage is around $1,500–$2,500/year.
What is full-timer RV insurance?
Full-timer RV insurance is designed for people who live in their RV more than 150 days per year. It adds coverage similar to homeowners insurance — personal property, liability for living on-site, and emergency expense coverage (hotel costs if your RV is disabled). Standard RV policies often exclude these.
Which company has the best RV insurance for full-timers?
Progressive and Good Sam Insurance (underwritten by National General) are the most popular for full-timers. Good Sam includes RV-specific perks like agreed value coverage and full-timer liability. Nationwide also offers strong full-timer policies. Always get quotes from at least three carriers.
Is RV insurance required by law?
Liability insurance is required in all states for motorhomes (Class A, B, C). Towable RVs (travel trailers, fifth wheels) are typically covered under your tow vehicle's auto policy for liability, but a separate RV policy is needed for comprehensive and collision coverage of the trailer itself.
What does total loss replacement mean for RVs?
Total loss replacement (also called agreed value coverage) pays the full insured value of your RV if it's totaled — not the depreciated market value. This is critical for newer RVs. Without it, a $100k RV depreciated to $65k would only pay out $65k after a total loss.
Does regular auto insurance cover an RV?
Standard auto insurance covers liability for a motorhome while driving, but rarely provides comprehensive or collision coverage for RVs. Travel trailers get liability coverage from your tow vehicle policy, but you need a separate policy for physical damage to the trailer. Always confirm with your insurer.