2026 Calculator
RV Insurance Calculator
Estimate your recreational vehicle coverage costs
Legal Disclaimer
This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
FAQ
How much does RV insurance cost in 2026?
RV insurance costs $1,000-$3,000 per year for vacation use, or $1,500-$5,000+ for full-timers. Class A motorhomes cost more ($2,000-$4,000+) while travel trailers are cheapest ($500-$1,500). Rates depend on RV value, usage, and driving record.
Do I need special insurance for living in an RV full-time?
Yes, full-timers need specialized coverage that includes personal liability, personal belongings (like homeowners), and medical payments. Standard RV policies assume vacation use only. Full-timer policies cost 40-60% more but provide essential coverage.
What's the difference between RV insurance and auto insurance?
RV insurance includes coverage for the living quarters (appliances, furniture, personal belongings), attached awnings, vacation liability, and emergency expenses. Auto insurance only covers the vehicle itself and doesn't protect personal property inside.