Insuring a Motorhome

Motorhome insurance costs can vary depending on where you live. You can ask your car insurance company if they provide motorhome insurance coverage and reduce your motorhome insurance rates by bundling your car insurance policies for a discount. Enter your ZIP code below to start comparing motorhome insurance quotes now.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 29, 2021

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Here's what you need to know...

  • Simply ask an insurance company if they offer motorhome insurance to find out if they do
  • Your age and driving history will impact what you pay for motorhome insurance
  • Ask about any available discounts when you ask for an insurance quote

Finding insurance coverage for a motor home is as simple as contacting car insurance companies and asking if they cover motor homes.

Looking for online care insurance quotes and information? Use our FREE search tool by entering your ZIP code to comparison shop for car insurance rates today!

The majority of companies who insure cars also now insure motor homes and RVs. The primary consideration for insuring your motorhome is to make sure that personal property is covered as well.

Motorhomes and Their Purpose


The purpose of motor homes is to give you both convenience and comfort when traveling on a long trip. In addition, a motor home can help you save on various costs, such as airfare, hotels, food, and more.

The best way to begin your search is to contact several insurance companies and start comparing quotes and coverage.

If you do not own or have access to a motor home, there are several companies that will rent you one and include insurance in your cost.

Always compare rates, companies, and coverage when looking at insurance for motorhomes. For example, a company may offer a lower premium but does not have the same amount of coverage as another company.

It is vital to compare apples to apples, as some companies lower their rate simply by not covering certain aspects of the vehicle.

The type of driver that you are will also affect your motorhome insurance rate.

Younger drivers, or drivers with little or no experience driving a motor home, may pay more for motorhome insurance simply because they are a higher risk.

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Getting Insurance for a Motorhome

Drivers with a relatively clean driving record should have no trouble getting insurance for an RV if all of the proper steps are followed.

You must have your motor home insured before driving it. The size of a motor home alone makes it a risk, since an action as simple as turning can result in damage to another car or piece of property.

Unlike some other types of insurance, motorhome insurance does not have any set standard rates that are shared between companies.

It is best to tell them what kind of motorhome you are driving, how much it is worth, how much personal property you have, how much experience you have driving, and who, if anyone else, will be driving the motorhome.

Agents can take this information and formulate a policy that protects both you and your family, as well as people around where you are driving a motor home.

Remember, the cheapest coverage is not always the best coverage, and is often times insufficient for even the most basic needs.

Factors in Obtaining Insurance for Motorhomes


While obtaining motorhome insurance is relatively easy, there are some factors that the insurance companies look at when determining cost or eligibility for motorhome drivers and/or owners.

  • Age – Typically, a younger driver will pay more in insurance than an older driver. This is primarily because older drivers tend to have more experience.
  • Previous coverage – Individuals who have maintained motor home insurance in the past are more likely to qualify for insurance coverage in the future.
  • Claim history – If the individual did not file many claims, it will be easier to get new coverage.
  • Storage location – Where the motor home is parked or stored when it is not in use can dictate increases or decreases in insurance costs. If a motor home is kept in a garage or a locked storage facility, insurance will be easier to obtain.

Finally, some insurance companies will be willing to work with you on getting motor home insurance. Ask about possible discounts available to you such as a good driver discount or a multi-policy discount.

There are many insurance companies available and they are all looking for new business. Negotiate and ask what else you can do to save money on insurance costs.

Are you trying to find car insurance rates online? Use the simple tool below to get started!

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