Is cheap RV auto insurance hard to find?

Did you know that North Carolina has the nation's lowest RV insurance at $71.67 per month or $860 per year? RV auto insurance policies vary widely in cost depending on what kinds of coverages you're looking for and how often you plan to travel in your RV. Having the right coverages can keep you financially safe if something were to happen during your travels.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 18, 2021

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember...

  • There are costs involved with driving, maintaining, and insuring a recreational vehicle. With that in mind, you want to keep your expenses low by getting the best deal available on RV auto insurance
  • If you plan on  living in your RV, you’ll want the type of insurance carrier that is prepared to take care of day-to-day expenses in the event that your recreational vehicle gets damaged or destroyed
  • Get the policy that best fits your needs and rest assured that your time on the road will be safe and care-free

You finally bought that RV. Now it’s time to insure it and get it on the road. If only it was that simple. There are costs involved with driving, maintaining, and insuring a recreational vehicle.

With that in mind, you want to keep your expenses low by getting the best deal available on RV auto insurance.

The problem is that you don’t know where to start. Using the World Wide Web as a guide, you, too, can make an informed decision about the type of policy that best fits your needs as an RV owner.

Is cheap RV auto insurance hard to find? More importantly, does it even exist? These are the questions you’ll ask yourself when looking for a carrier to insure your recreational vehicle.

A great starting point for you to consider when shopping around for RV auto insurance companies is the Internet.

You’ll get the most comprehensive quotes available and you’ll be able to comparison shop for the best rates. Just enter your ZIP and find the best auto insurance INSTANTLY!

You can also check out our comparison of the best auto insurance companies in 2021 for a full breakdown of auto insurance rates, financial strength ratings, market shares, and more.

Auto Insurance May or May Not Cover Your Recreational Vehicle

There are a number of things to consider when shopping around for RV auto insurance. For example, you may think that your fifth wheel is covered by your vehicle insurance when that is not entirely true.

Your travel trailer is often only protected while it’s being towed by your car or truck. A separate RV auto insurance policy is needed to protect it when it’s sitting alone in a parking lot or campsite. The more you travel in your RV, the more important a separate RV auto insurance policy becomes.

While there are rewards to full-time RV travel (especially in the 10 best states for full-time RV living), it has its dangers as well. Having a strong RV insurance policy can give you peace of mind that if something were to happen, you would be protected.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Things to Consider When Comparing Prices for RV Auto Insurance

Here are a few other things to keep in mind when selecting an insurance company to cover your recreational vehicle from loss and damage:

  • If you plan on living in your RV, you’ll want the type of insurance carrier that is prepared to take care of day-to-day expenses in the event that your recreational vehicle gets damaged or destroyed. If you’re a long way from home, you’ll benefit from this added peace of mind.
  • You’ll want a policy that protects your personal property stowed inside your recreational vehicle. In the event that these items get damaged or stolen, you’ll want to be able to replace them and travel quickly and efficiently to your next destination. Being without the things that you worked so hard to purchase can put a damper on your travel plans.
  • Never get on the road in your RV without roadside assistance. If you break down and have to call a tow truck, it can be expensive. Make sure that the policy that you choose covers accidents and mechanical failure. Having a recreational vehicle towed costs about three times as much as a car or truck so be easy on your pocketbook by adding this protection to your current policy.
  • Many people live in their recreational vehicles for long periods of time. If you plan on storing your travel trailer, you will want to add optional collision coverage. This protects your RV when it’s not in use.
  • Disappearing Deductible Coverage is an incentive for good driving. Every year that you don’t have a claim, your insurance company gives you a discount. This is often 25 percent on your deductible. After a few years of safe and attentive driving, you’ll pay no deductible on a claim.

Steps for Selecting the Right Carrier for Your RV Auto Insurance Policy

Now that you know what types of things to ask about concerning RV insurance, you’re ready to start narrowing down your options.

You want the type of company you can easily reach by phone or email with questions and concerns. This information should be listed clearly on the insurance company’s website.

If it isn’t, you’ll most likely have trouble contacting them in the future. In addition to being accessible, your RV insurance company should:

  • Be willing to give you price quotes for several underwriters
  • Put RVs and Autos on one convenient policy
  • Offer Paid-in-Full discounts
  • Provide you with a deductible that you can work with
  • Give you a price break if you’re a homeowner
  • Review your policy for changes on a routine basis

Making an informed decision about RV auto insurance coverage takes research.

By exploring the different options and discounts available to you, the policy owner, you save yourself time, money, and the hassle of replacing your belongings in the event they are damaged or stolen.

Get the policy that best fits your needs and rest assured that your time on the road will be safe and care-free.

Enter your ZIP and begin to compare RV car insurance for FREE! We have all the auto insurance basics for your needs!

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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