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Key Takeaways

  • Travel trailer insurance costs vary based on many factors like usage, age, and value.
  • Comprehensive and collision coverage are common types of coverage.
  • Compare rates and providers to find the best coverage for your needs.
  • Take steps to lower your premium cost, like raising your deductible or bundling policies.

Thinking of getting camper trailer insurance? You'll want to know how much it costs. Read on to learn more about camper trailer insurance premiums costs.

On average, expect to pay between $250 to $800 per year. Though camper trailer insurance prices vary depending on factors like the trailer's value, usage frequency, and location. Shop around and compare rates from different insurers to find the best deal for your needs!

I know firsthand the importance of protecting your trailer on the road. With years of experience in the industry, I've helped countless campers find the right RV insurance coverage for their needs. Trust me to provide you with expert advice and guidance to ensure you have the personal injury protection you need for your camper trailer.



How much does camper trailer insurance cost

The insurance cost can vary greatly for RV owners. The type of much does travel trailer, its age and value, and how often it's used all play a role in determining the premium you'll pay.

Type of Coverage Average Annual Cost
Liability Only $250 - $400
Liability + Collision $400 - $600
Liability + Comprehensive $450 - $700
Full Coverage $600 - $800

Types of camper trailer insurance coverage and their costs

There is each RV class available to meet RV owners needs and budget. Here are the most common types of coverage you can choose from for an average premium.

Liability only

Liability coverage is the most basic and affordable type of camper RV insurance. It provides protection against bodily injury and property damage liability you may cause to others while using your travel trailer. The average annual car insurance cost for personal liability coverage ranges from $250 to $400.

Liability + collision

If you're looking for a higher level of protection, liability + collision coverage is a good option. It includes everything in vacation liability coverage and RV coverage for damages to your trailer resulting from a collision or medical payments. The average annual premiums for liability + collision coverage ranges from $400 to $600.

Liability + comprehensive

Liability + comprehensive coverage provides even more protection by a cover damage auto policy to your trailer from non-collision events such as theft, fire, or weather-related incidents. The average annual auto insurance cost for liability + entire coverage ranges from $450 to $700.

Full coverage

For the most coverage available, coverage is the way to go. It includes liability, collision, replacement cost, and full RV coverage, and additional benefits such as roadside assistance and trip interruption coverage. The average annual cost for coverage ranges from $600 to $800.

Factors that affect travel trailers insurance costs

Several factors can impact the cost of camper RV insurance. Understanding these factors can help you choose the right coverage for your needs and budget.

Trailer type and value

The type of trailer you own and its value will impact your RV insurance premium. For example, new, high-end travel trailers will cost more to insure than an older, less expensive model.

Usage frequency

How often you use your camper trailer costs can also affect your RV insurance cost. If you only use your trailer a few times a year, you may be able to get a lower premium than if you use it frequently.

Storage location

Where you store your camper trailer costs can also impact your RV insurance premium. If you store it in a secure location, such as a garage or storage facility, you may be eligible for a lower premium and final cost.

Driving record

Your RV driving experience can also play a role in your camper trailer RV insurance cost. If you have a history of accidents or emergency expenses, you may be considered a higher liability risk and have to pay more for coverage.

Car insurance coverage level

The level of coverage you choose for your camper trailer will also impact the cost. A liability-only policy will generally be less expensive than a coverage policy that includes collision and comprehensive coverage like in a recreational vehicle.

How to choose the right camper trailer insurance

Choosing the right camper trailer protection can be a daunting task, but it doesn't have to be. By considering a few key factors, you can find the coverage that best fits your needs and budget.

Determine your coverage needs

The first step in choosing the right camper trailer protection is to determine what kind of coverage you need. Liability-only RV insurance is the most basic coverage and covers damages you may cause to others while using your camper trailer. However, if you want more comprehensive coverage, you'll need to consider collision, comprehensive, and other types of coverage and other factors.

Shop around for quotes

Once you have an idea of what kind of coverage you need, it's time to start shopping around for quotes. You can use online comparison tools to get quotes from multiple insurers and compare their best RV insurance rates and coverage alternatives side by side. Be sure to also read reviews and check the insurer's financial rating to ensure you're choosing a reputable provider.

Consider the cost

While cost shouldn't be the only factor you consider, it's important to find the cost of RV insurance policy  that fits your budget. Use the table above to get an idea of what you can expect to pay for different types of coverage.

Check for discounts

Most insurance companies offer discounts for things like multiple policies, good driving records, and safety features on your travel trailer. Be sure to ask about any available discounts and take advantage of them to lower your premium.

Read the fine print

Before you sign up for a policy, make sure you read the fine print and understand what's covered and what's not. Look for exclusions and limitations that could affect your coverage, and ask your insurer to explain anything you don't understand.

Tips for lowering your travel trailer insurance cost

Here are some tips to help you lower your cost of RV insurance without sacrificing coverage.

Increase your deductible

Consider raising your deductible, the amount you pay out of pocket before home insurance kicks in, to lower your premium. Make sure you save money to cover your deductible in case of an accident.

Bundle your policies

Many insurance companies offer discounts for bundling your camper trailer RV insurance costs with other policies, such as auto or home RV insurance. Check with your provider to see if this is an option for you.

Install safety features

Outfitting your travel trailer with safety features like anti-theft devices, smoke detectors, and fire extinguishers can help lower your RV insurance costs. Be sure to let your insurer know about any safety features you've installed.

Take a defensive driving course

Completing a defensive driving course can demonstrate to your RV insurance company that you're a safe and responsible driver who can avoid bodily injury, potentially leading to cheaper premiums.

Shop around

Don't be afraid to shop around and compare RV insurance rates from different auto insurance agents. Each provider uses its formula to calculate premiums, so it's possible you could find a better deal elsewhere.

Tip Potential Savings
Increase Your Deductible Up to 25%
Bundle Your Policies Up to 20%
Install Safety Features Up to 10%
Take a Defensive Driving Course Up to 10%
Shop Around Varies

Top camper trailer insurance companies

Choosing the right RV insurance provider is key. To help make your decision easier, I've researched and compiled a list of the top travel trailer RV insurance agents you can use as a home insurance agent.

RV insurance companies A.M. Best Rating Coverage Options
Progressive A+ Liability, collision, comprehensive, and more A+ Liability, collision, comprehensive, and more
National General Insurance A- Liability, collision, comprehensive, and more
Safeco A Liability, collision, comprehensive, and more
Good Sam’s Insurance A Liability, collision, comprehensive, and more

What to consider when choosing a camper trailer insurance company

When choosing RV insurance companies for your camper trailer, there are several factors to consider.

Use insurance agent

Using an insurance agent can ensure you get all the insurance rates for an RV trailer and recreational vehicles. An insurance agent will walk you through all the policies available.

Coverage options

Make sure the insurance provider offers the coverage ideas you need. This may include liability, collision, comprehensive, and more.


Compare quotes from different providers to find the best price for the coverage you need. Keep in mind that the cheapest option may not always be the best for your truck bed.

Customer service

Look for a provider with a reputation for excellent customer service and good loss assessment coverage. You want to be able to easily reach them when you need help with a claim.


Do your research to find out what other customers are saying about the RV insurance company. Look for reviews and claims history online to get a sense of their reputation; they will act as fifth wheels RVs.