What to Know About Auto Insurance for RVs and Motorhomes?

auto insurance for RVs and motorhomes

Are you planning on hitting the road with your RV or motorhome? Before you go, it’s important to make sure that you have adequate auto insurance coverage. RVs and motorhomes require a different insurance policy than regular cars, as they are considered recreational vehicles. In this comprehensive guide, we’ll cover everything you need to know about auto insurance for RVs and motorhomes, including coverage options, costs, and more.

Understanding Auto Insurance for RVs and Motorhomes

RVs and motorhomes are not your typical vehicles; therefore, they require specialized insurance coverage. When it comes to insuring your RV or motorhome, you have a few different options.

Standard Auto Insurance

If you have a small motorhome that is built onto a van chassis, you can insure it with a standard auto insurance policy. However, if your motorhome is larger or more luxurious, you will likely need a specialized RV insurance policy.

RV Insurance

RV insurance is a specialized type of auto insurance that is designed specifically for recreational vehicles. This form of insurance often includes liability coverage, collision coverage, comprehensive coverage, and additional RV and motorhome-specific choices.

Motorhome Insurance

Motorhome insurance is similar to RV insurance, but it is specifically designed for larger motorhomes that are built onto a bus or truck chassis. This type of insurance typically includes personal belongings, liability, collision, and more coverage.

Coverage Options for RV and Motorhome Insurance

When it comes to RV and motorhome insurance, there are several coverage options to choose from. These options include:

Liability Coverage

In most states, liability coverage is required by law and covers damages that you may cause to other people or property while driving your RV or motorhome. This coverage typically includes bodily injury liability and property damage liability.

Collision Coverage

Collision coverage pays for damages to your RV or motorhome in the event of an accident, regardless of who is at fault.

Comprehensive Coverage

Comprehensive coverage pays for damages to your RV or motorhome that are caused by events other than collisions, such as theft, vandalism, or weather-related incidents.

Personal Belongings Coverage

Personal belongings coverage protects your personal belongings that are stored in your RV or motorhome.

Full-Time RV Insurance

Full-time RV insurance is designed for those who live in their RV or motorhome full-time. This type of insurance provides additional coverage for personal liability, medical payments, and more.

Costs of RV and Motorhome Insurance

The RV and motorhome insurance costs can vary widely depending on several factors. Among the many variables that go into determining your insurance premium are the following:

The Value of Your RV or Motorhome

The more expensive your RV or motorhome is, the more expensive your insurance premiums are likely to be.

The Type of RV or Motorhome You Have

Your RV or motorhome type can also impact your insurance rates. Smaller motorhomes built onto van chassis may be less expensive to insure than larger motorhomes built onto bus or truck chassis.

Your Driving Record

Your driving record can impact your insurance rates, as those with a history of accidents or traffic violations may be considered higher-risk drivers.

Your Location

Aside from risk factors, your geographic location can affect your insurance premiums. Some states have higher insurance premiums than others, and those who live in areas with higher crime rates may pay more for insurance.

Your Coverage Options

The more coverage options you choose, the more expensive your insurance premiums are likely to be.

Tips for Saving Money on RV and Motorhome Insurance

Although recreational vehicle (RV) and motorhome (motorhome) insurance premiums might be pricey, there are various ways to cut costs. Here are some tips to help you save:

Shop Around

Shopping around and comparing quotes from several insurance providers is one of the best ways to save money on RV and motorhome insurance. This will allow you to find the best coverage options and prices for your specific needs.

Bundle Your Policies

If you have other insurance policies, such as homeowners or renters insurance, you can save money by bundling them with your RV or motorhome insurance policy.

Increase Your Deductible

Selecting a higher deductible is one way to bring down the cost of your monthly insurance premiums; however, before making this choice, you should determine whether or not you will be able to pay the deductible in the event that you need to make a claim.

Take Advantage of Discounts

Several insurance providers may provide you with a discount if you drive cautiously, take a defensive driving course, or install safety measures on your RV or motorhome.

Consider Joining an RV Association

Some RV associations offer discounts on RV and motorhome insurance to their members.

Final Thoughts

Before you hit the road in your RV or motorhome, it’s important to make sure that you have adequate auto insurance coverage. By knowing the different coverage options and taking steps to save money on your premiums, you can rest easy knowing you’re covered in case of an accident or something else unexpected. So be sure to do your research, shop around, and choose the coverage options that are right for you and your vehicle.


What type of coverage do I need for my RV or motorhome?

You will need liability coverage to meet your state’s legal requirements and comprehensive and collision coverage to protect your vehicle against damage or loss. Explore alternatives for supplementary coverage, such as roadside assistance and coverage for personal belongings.

Can I use my regular auto insurance policy for my RV or motorhome?

Most regular auto insurance policies will not provide sufficient coverage for an RV or motorhome, as these vehicles have unique features and are typically used differently than regular passenger vehicles. You will need a separate RV or motorhome insurance policy to ensure that you have the appropriate coverage.

Will my RV or motorhome insurance protect me if I travel to another state or nation?

Your RV or motorhome insurance policy should provide coverage no matter where you travel, within the United States or Canada. However, if you plan to travel to other countries, you may need to purchase additional coverage or obtain a special permit.

Can I save money on my RV or motorhome insurance by parking it in a secure storage facility when not in use?

Yes, many insurance providers offer discounts for storing your RV or motorhome in a secure facility when it’s not in use. Be sure to ask your insurance provider about this option when you’re shopping for coverage.

How can I have the right amount of coverage for my RV or motorhome?

Working with an experienced insurance agent who can help you evaluate your insurance needs and find the coverage options that are right for you is important. Be sure to ask plenty of questions and ensure you understand your policy’s terms and conditions before you sign on the dotted line.

Visit our website NewAutoInsurance.com to learn more.