Estimate RV insurance premiums for motorhomes, travel trailers, and camper vans based on value and usage.
Annual Premium
$1,467
Estimated yearly cost
Monthly Premium
$122
Annual ÷ 12
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How RV premiums are calculated
RV rates start with a base premium per vehicle class — travel trailers are the cheapest and Class A motorhomes the most expensive. The vehicle's value scales that base rate, and full-time living adds a surcharge because it extends to personal liability and belongings coverage beyond what a standard policy provides.
Results are estimates only and should not be considered professional insurance advice. Always consult a licensed insurance advisor before making coverage decisions.