Why Motorhome Class Impacts Insurance Costs
Insurers calculate RV premiums based on factors like vehicle value, size, risk, and repair costs. Since each motorhome class differs on these variables, rates change accordingly.
Class A motorhomes are the largest and most luxurious, with higher replacement values and costlier repairs, resulting in higher premiums.
Class B motorhomes (camper vans) are compact and typically carry the lowest replacement values, which helps keep insurance costs down.
Class C motorhomes sit between A and B in size and value, often delivering a balance of space, features, and insurance affordability.
Average Annual Motorhome Insurance Costs
Class A: $1,500–$2,500+ per year. Luxury diesel pushers and premium interiors can push premiums higher due to increased replacement and repair costs.
Class C: $600–$1,000 per year. Popular with families and weekend travelers; generally cheaper to insure than Class A while offering more space than vans.
Class B: $300–$1,000 per year. Typically the most affordable class to insure thanks to compact size and lower overall value.
Tip: If you use your motorhome seasonally, your annual premium may be lower than your daily driver’s, since mileage and exposure affect rates.
Other Factors That Affect Your Premium
Location: State requirements, theft rates, and weather risks influence pricing.
Usage: Full-time RVers typically pay more than occasional or weekend users.
Driving history: Clean records and claims-free histories earn better rates.
Coverage level: Liability-only is cheaper, while comprehensive and collision protect your investment but cost more.
RV value and upgrades: High-end interiors, solar, and tech add-ons can raise replacement costs.
How to Save on Motorhome Insurance
Bundle RV coverage with auto or homeowners policies to unlock multi-policy discounts.
Choose a higher deductible if you can comfortably cover small claims out of pocket.
Ask about savings for safe driving, storage, anti-theft devices, low mileage, or RV club memberships.
Compare quotes from multiple providers and review coverage annually as your usage changes.
Which Motorhome Class Is Right for Your Budget?
Class A: Best for luxury living and long trips if you can budget for higher premiums and maintenance.
Class C: A versatile middle ground for families or buyers wanting space without Class A costs.
Class B: Ideal for minimalists and city drivers who value easy parking, nimble handling, and lower insurance.
Protect Your Investment with the Right Coverage
No matter the class, your RV is a major investment and your home away from home. The right policy gives you peace of mind on every trip. Contact Lazydays RV for a free RV insurance quote and we’ll help you find the best coverage and rate for your Class A, B, or C motorhome.
