There is no single RV insurance price that predicts what you will pay. The most useful benchmark identifies the RV category, location, carrier, policy period, and data year.
Explore a published RV cost benchmark
Average RV insurance cost in the U.S.
Progressive reported that its countrywide average premium for a 12-month policy in 2024 was $594 for a travel trailer and $1,052 for a motorhome. That data describes Progressive customers and policy mixes; it is not an all-carrier market average or a promise of price.
| RV category | Published annual average | Why it differs |
|---|---|---|
| Travel trailer | $594 | Towables generally rely on the tow vehicle for road liability but still need protection for the unit and RV-specific risks. |
| Motorhome | $1,052 | Motorhomes usually combine auto-style liability, physical damage, and living-space exposures. |
Source: Progressive’s 2024 countrywide RV policy averages. Accessed August 21, 2026.
What affects RV insurance cost?
RV type and value
A luxury diesel motorhome can cost far more to repair or replace than a compact used trailer.
ZIP code and storage
Weather, theft, traffic, repair costs, and whether the RV is stored securely can influence price.
Use and mileage
Weekend trips, seasonal stays, full-time residence, and business use present different risks.
Drivers and claims
Driving history, RV experience, eligible operators, and prior claims can affect underwriting.
Limits and deductibles
Higher limits and lower deductibles typically increase premium but reduce retained risk.
Valuation and add-ons
Agreed value, replacement cost, belongings, roadside, and emergency expense change both coverage and cost.
Read the dedicated guides for motorhome insurance, travel trailer insurance, or full-time RV insurance.
Ways to look for a lower premium without guessing
- 1
Compare equivalent policies
Keep the limits, deductibles, drivers, valuation, and add-ons the same.
- 2
Ask which discounts actually apply
Bundling, paying in full, safety training, anti-theft devices, and claims-free history may help.
- 3
Price multiple deductible levels
Choose an amount you can comfortably pay after a loss, not simply the cheapest premium.
- 4
Update material details
Storage, mileage, use, drivers, and permanent upgrades should match reality.
RV insurance cost questions
How much is RV insurance per year?
Progressive reported 2024 countrywide averages of $594 for a 12-month travel-trailer policy and $1,052 for a motorhome policy. These are one carrier’s customer averages, not universal prices; an individual premium can be materially higher or lower.
Why does motorhome insurance usually cost more than trailer insurance?
A motorhome is both a motor vehicle and living space. It generally needs vehicle liability coverage in addition to physical-damage and RV-specific protection, while a towable relies on the tow vehicle for much of its road liability.
Does living in an RV full time affect cost?
It can. Full-time use may require broader personal-liability, belongings, medical-payments, loss-assessment, or emergency-expense protection and different underwriting.
Can I lower my RV insurance cost?
Depending on the provider, options may include higher deductibles, multi-policy bundling, paying in full, safety training, secure storage, anti-theft devices, claims-free discounts, or adjusting coverage during storage. Never remove needed protection only to lower price.
Published figures are historical averages from the named source and are not quotes or forecasts. Actual premiums, coverage, eligibility, and discounts vary by provider, state, policy, RV, and applicant.