How Much Is RV Insurance? Your Complete Pricing Guide 

In the last couple of years, RV sales have increased by more than 6 percent!

Did you recently invest in an RV? If so, you should also invest in insurance to protect it and your loved ones before you take your next trip.

How much is RV insurance? Read on to find out.

Why Do You Need RV Insurance?

Some people assume they don’t need RV insurance. In reality, even the most cautious drivers can benefit from purchasing an insurance policy. Here are some of the top reasons why:

Legal Compliance

Every state that requires auto insurance also requires RV insurance. That means the only exceptions are New Hampshire and Virginia.

Liability Protection

Even if you’re the world’s most careful driver, you could still end up in an accident while on the road. If you have RV insurance, you won’t have to pay out of pocket if you damage someone’s vehicle while driving.

Physical Damage Protection

As you now know, RVs are expensive. If you want to avoid having to pay out of pocket if your RV gets damaged, investing in RV insurance can help.

Peace of Mind

Finally, RV insurance gives you peace of mind. Of course, you hope you’ll never need it, but accidents can happen — and you should be prepared in case they do.

How Much Is RV Insurance?

When they first learn about RV insurance, one of the first questions people as is, “How much does RV insurance cost?”

The price varies from location to location and agency to agency. On average, though, most policies cost between $1,000 and $2,000.

This might seem like a steep price. However, before you decide to forgo it, consider the cost of repairing your RV if you get in an accident or paying for repairs to someone else’s vehicle — $1,000 to $2,000 doesn’t seem so bad, does it?

How to Choose RV Insurance

You might be ready to purchase personal RV insurance, but you might also be a bit overwhelmed by all the options out there. Here are some tips that can help you choose the right policy:

• Consider coverage type: Theft, damage, acts of nature, medical payments, personal belongings coverage, etc.
• Full-time vs part-time: Prices may vary depending on whether you live in your RV full-time or part-time
• Read reviews: Agency reviews and BBB complaints
• Price: Premium price, what it covers, etc. 

Remember, a lower price isn’t always better. It can be worth it to pay extra for additional protection.

Invest in RV Insurance Today

After reading this guide, you can now answer questions like “How much is RV insurance?” or “What is the average RV insurance cost?” with confidence. The next step is to use an RV insurance cost calculator or reach out to an insurance agent and invest in a policy to protect your new RV.

If you want some more tips on how to get the most out of your RV, check out the Travel section of our website as well. You’ll find lots of useful resources for your next road trip there.