This article may contain affiliate links where we earn a commission from qualifying purchases. The images and content on this page may be created by, or with the assistance of, artificial intelligence, and should be used for entertainment and informational purposes only.

Key Takeaways

  • RV insurance costs in Florida depend on factors like type, size, and usage.
  • Florida requires specific mandatory coverage for RV insurance.
  • Expect to spend around $300 to $1,300 to insure all RV types.

Thinking about buying an RV in the Sunshine State? Learn how much RV insurance costs in Florida in this expert guide so you know exactly what to expect.

The cost of RV insurance varies widely depending on the type of RV, the value of the RV, coverage options, and more. In Florida, you can expect to pay anywhere from around $300 to $1,300 per year for anything ranging from a small travel trailer to a Class A motorhome.

Our goal is to provide our readers with the best RV content on the web so that you can learn everything you need to know about recreational vehicles. For a topic like this, we’ve researched and vetted all the information for accuracy to help give you an idea of exactly how much RV insurance should cost you in Florida.



Understanding RV Insurance

When it comes to insuring your recreational vehicle (RV), it's essential to know the basics of RV insurance and what type of coverage you may need for your situation. RV insurance is designed to protect you, your passengers, and your vehicle, in case of an accident or unforeseen event.

To begin with, liability coverage is mandatory in Florida for your RV, just as it is for any other motor vehicle on the road. This coverage will handle costs related to property damage and bodily injury caused by your RV in the event of an accident. Additionally, personal injury protection is required, with a minimum coverage of $10,000 for property damage per accident.

Moreover, many RV owners choose to add collision coverage and comprehensive coverage to their RV insurance policies. Collision coverage will cover the costs of repairing or replacing your RV if it is damaged in an accident, while comprehensive coverage takes care of damages due to non-collision events such as theft, vandalism, or natural disasters.

It's also critical to consider uninsured and underinsured motorist coverage in your RV insurance policy. This coverage will protect you in case you are involved in an accident with another driver who doesn't have insurance or doesn't have enough coverage to pay for the damages.

Some additional coverages you may want to consider for your RV include:

  • Total Loss Replacement: This coverage will replace your RV with a new model of similar value if your RV is deemed a total loss.
  • Emergency Expense: In case of a covered loss, this coverage will provide funds for temporary accommodations and transportation costs.
  • Physical Damage Coverage: This option covers damages to your RV's interior and exterior components that are not part of the standard collision or comprehensive coverage.
  • Loss Assessment Coverage: If you are a part of an RV association or park that requires you to pay for damages, this coverage will handle those expenses.

When selecting your RV insurance policy, always bear in mind the type of RV you own and how frequently you use it. Different RV classifications, such as Class A or Class B, will affect the insurance costs as well as the appropriate coverage levels.

In conclusion, understanding the various types of coverage available for your RV insurance policy can help you make an informed decision and ensure that you have sufficient protection for your valuable asset. Remember to carefully assess your needs and consult with insurance professionals to tailor a policy that suits your specific situation.

RV Insurance Cost: How Much is RV Insurance in Florida?

Now that you know a little bit about Florida RV insurance in general, let’s take a look at some different types of RVs and what the average RV insurance cost is in Florida, which is based on 140 days of use per year using information from the National Automobile Dealers Association (NADA).



Motorhomes include Class A, Class B, and Class C vehicles. Class A motorhomes are the largest, most luxurious, and often the most expensive to insure. Their size makes driving more challenging, which may increase the risk of accidents. You can expect to spend around $1,000 to $1,300 per year to insure a Class A motorhome in Florida.

Class B motorhomes, also known as "camper vans," are converted vans with basic living facilities. They're typically less expensive to insure than Class A motorhomes, with an average annual cost of about $300 to $1,000. Due to the wide variety of Class B motorhomes, the cost to insure them varies greatly.

Class C motorhomes are a popular choice for many RVers. They have a distinct cab-over design and offer more space than Class B motorhomes, without being as large as Class A motorhomes. Insurance for Class C motorhomes tends to be moderately priced, with average premiums around $600 to $1,000 per year.

Travel Trailers

Travel trailers come in a wide variety of styles, from small teardrop trailers and truck campers to larger fifth-wheel trailers. With just one moving part, the tow vehicle, travel trailers can often be insured at lower rates than motorhomes. The average premium for a 12-month RV insurance policy for travel trailers is around $500 to 1,000.

Teardrop Trailers

Teardrop Trailer
Teardrop Trailer

Teardrop trailers are compact, lightweight travel trailers that are easily towed by small trucks, SUVs, and even cars. They're usually used for short trips and don't provide much living space, making them one of the least expensive types of trailers to insure.

Fifth Wheel Trailers

Fifth Wheel Trailer
Fifth Wheel Trailer

Fifth-wheel trailers are larger, heavier travel trailers designed to be towed by pickup trucks with special hitching systems. Their higher weight and size often make them more challenging to tow, which can lead to increased insurance premiums.

Other RV Types

In addition to motorhomes and travel trailers, there are a variety of other RV types that you may encounter. These include truck campers, which are small living units that sit in the bed of a pickup truck, and pop-up campers, which are collapsible trailers designed for easy towing.

RV insurance requirements in Florida include a minimum of $10,000 in personal injury protection and $10,000 or more in personal damage liability. Keep in mind that your insurance rates will depend on various factors, including your chosen type of RV, its age, and your location in Florida.

Cost Factors

When it comes to RV insurance costs in Florida, there are several factors that can affect the amount you can expect to pay. Understanding these factors can help you make informed decisions and potentially find more affordable coverage for your RV.

Value of Your RV

One significant factor that impacts the cost of your RV insurance is the age and value of your vehicle. More expensive RVs typically come with a higher insurance cost, as they may require additional coverage to protect their high-value components.

Driving Record

Another important factor is your driving history. Individuals with a clean driving record tend to receive more affordable rates, as they are considered less of a risk to insurance providers. If you have a history of traffic violations or accidents, you may find that your rates are higher than average.


Your choice of deductible also plays a role in determining the cost of your insurance policy. If you can stomach a higher deductible, you’ll typically be treated to lower premiums, as it means you will be responsible for a greater portion of the claim before the insurance kicks in. Conversely, a lower deductible can result in higher premiums.


Where you live and store your RV can also influence the cost of your policy. Areas with a higher risk of natural disasters such as hurricanes or flooding may lead to higher rates, while those with lower risks may come with more affordable coverage options.

Claims History

Your history of insurance claims can impact your RV insurance rates, too. If you have filed multiple claims in the past, insurers may view you as a higher risk, leading to increased premiums. Maintaining a clean claims record can help keep your costs lower.


How often and for what purpose you use your RV is another factor considered by insurance providers. Frequent and long-term use may lead to increased insurance costs, as more time on the road can increase the likelihood of incidents occurring.

By considering these factors and making informed decisions, such as maintaining a clean driving record and choosing an appropriate deductible, you can navigate the RV insurance market in Florida and work towards finding coverage that best suits your needs and budget.

Insurance Discounts and Bundling

When looking for RV insurance in Florida, it's helpful to know that you can often save money by taking advantage of discounts and bundling options. Here are some ways you can lower your insurance rates and make the most of your policy.

Discount options

Many insurance companies offer various discounts to help you save on premiums. Some common RV insurance discounts include:

  • Safe driver discounts, reward you for maintaining a clean driving record.
  • Anti-theft device discounts, given to those with security features installed on their RV.
  • Claim-free discounts, provided to policyholders with no prior claims history.

Always inquire with your insurance provider about the discounts they offer, as these may vary between companies.


Another way to save on RV insurance is by bundling your policies. Most insurers provide multi-policy discounts if you combine your RV insurance with other policies, such as auto, home, or homeowners insurance. Bundling can not only save you money on your premiums but also make managing your insurance policies simpler.

For instance, if you already have auto or homeowners insurance with a company like Progressive, you may be eligible for a multi-policy discount, which could significantly lower your RV insurance rates.

Remember, the most important thing when looking for RV insurance in Florida is to shop around and compare rates and discounts offered by different companies. This approach will help you find the best coverage at the most affordable price, keeping your RV protected while saving money.

Part-Time Vs Full-Time RV Insurance

When considering RV insurance in Florida, it's important to understand the difference between part-time and full-time RV insurance. This will help you make an informed decision based on your specific RV usage and needs.

Part-time RV insurance, also known as recreational RV insurance, is suitable for those who use their RV for weekends or short vacations, such as while RV camping. This type of policy generally comes with vacation liability coverage, which is the bare minimum needed to protect you against injuries and damages.

On the other hand, full-time RV insurance is designed for people who live in their RV as a permanent residence. This type of policy offers broader coverage than part-time insurance, providing protection for a longer period of time.

If you're an RV owner who spends a significant amount of time in your vehicle each year, full-time insurance might be the better option for you. In fact, spending a considerable amount of time in your RV is a part of the nomadic lifestyle.

When comparing part-time and full-time RV insurance, you will notice that full-time policies typically include additional coverages, such as contents or personal belongings coverage, emergency expense allowances, and higher liability limits. These extra coverages are important for full-time RVers, as their RV serves as both a home and a vehicle.

To choose the right RV insurance for your needs in Florida, take into consideration how often you'll be using your RV and whether you'll be living in it full-time. By understanding the differences between part-time and full-time RV insurance, you can ensure that you have the proper protection for your unique lifestyle.