Average RV insurance costs (With 21 real examples)


In this article, I have found the cost of insurance for each RV type from different popular insurance companies. The chart below shows price per month for an average RV in each category.

Class AClass BClass CTravel TrailerFifth-Wheel
Progressive$584.75$119.92$112.58$54.83$85.16
Good Sam$1261.75N/A$220.58$278.75$125.25
RVInsurance.com$936.75N/A$239.33$264.95$90.59
National General $833.16N/A$296.50$421.41$121.33
The Hartford $204$98$99$68N/A

DISCLAIMER: The prices above were the approximate prices we could find for our criteria tested. This is NOT meant to be used as a way to price out which company provides the best prices as that will depend largely on your exact circumstances. The chart is only intended to show approximate pricing for those considering getting an RV and wondering what insurance will cost.

For each quote, I answered the questions as a new Non-Married RV owner, who hasn’t previously had insurance. I reported no accidents or traffic violations and set the state as, Idaho. I said that I use the vehicle for pleasure about 140 days per year. The only thing that I changed each time was the type of RV (Class A, Class B, etc.)

The prices may vary depending on your type and price of RV and circumstances but, this guide should hopefully help you get an idea of what you will be paying. For a more in depth guide keep reading.

Class A Motorhome

The type of Class A Motorhome I based the quotes off of was a 2019 Newmar Dutch Star (37 ft long) which originally costs $454,412

Progressive

PackageMonthly Price
Basic Package$20.75
Choice Package$584.75
Plus Package$635.33
Custom$23

Basic Package- $224.00 a year or $20.75 a month

The Basic Package costs $224.00 a year if paid in full, otherwise, it is $20.75 a month which comes out to $249.00 a year. The basic package only covers Liability $25k/ $50k/ $15k.

Choice Package- $6290 a year when paid in full or $584.75 a month making it $7017 a year.

This package is what they recommend you should have for coverage, and how much. It covers the following:

Policy Coverage-

  • Liability $100k/$300k/$50k- $276
  • Uninsured Motorist Bodily Injury $100k/$300k- $21
  • Medical Payments, $5,000 each person- $10
  • Trailer $0-$2,500- Included with Physical Damage

This package also includes coverage for the Motorhome itself in case it needs to be fixed or replaced, which total to the other $5,983.

Plus Package- $6838 a year when paid in full or $635.33 a month which totals to $7624 a year.

This package covers the following:

Policy Coverage-

  • Liability $250k/$500k/$100k- $364
  • Uninsured Motorist Bodily Injury $250k/$500k- $36
  • Medical Payments, $5,000 each person- $10
  • Trailer $0-$2,500- Included with Physical Damage

Once again this package also includes coverage for any damages done to your actual RV in case it needs to be repaired or replaced. These charges come out to the other $6428.

Custom Package- This package allows you to choose exactly what you want coverage for and what you don’t. I used this to calculate what it would cost for the minimum coverage of each option.

This came out to a total of $249 a year when paid in full or $23 a month to total $276 a year.

Policy Coverage-

  • Liability $25k/$50k/$15k- $224
  • Uninsured Motorist Bodily Injury $25k/$50k- $10
  • Medical Payments, $1,000 each person- $3

This did not include the coverage for the Motorhome itself.

Good Sam Insurance

PackageMonthly Price
Basic Package$1261.75
Custom Package$29.75

Basic Package- Good Sam Insurance only gives you one recommended package but allows you to customize it in any way you would like.

This Package costs $13,704 yearly when paid in full or $1261.75 a month for a yearly total of $15,141.

This is what my recommended package includes:

Policy Coverage:

  • Bodily Injury $25,000 Each Person/ $50,000 each accident- $89
  • Property Damage $15,000 each accident- $155
  • Medical Payments $1,000 Each Person/ Each Accident- $14
  • Uninsured Motorist BI $25,000 Each Person/ $50,000 Each Accident- $15
  • Underinsured Motorist BI $25,000 Each Person/ $50,000 Each Accident- $13

Motorhome Coverage:

  • Comprehensive $500 Deductible- $3,809
  • Collision $500 Deductible- $8,716
  • Diminishing Deductibles- $21
  • Replacement Cost- $2,306
  • Personal Effects $3000- Included
  • RV Vacation Liability $10,000 Each Accident- $3

Custom Package- I also made a custom package that includes the minimum policy coverage and no motorhome coverage.

This package costs $331 a year when paid in full or $29.75 a month which totals to $357 a year.

This package includes the following:

  • Bodily Injury $25,000 Each Person/ $50,000 each accident- $89
  • Property Damage $15,000 each accident- $155
  • Medical Payments $500 Each Person/ Each Accident- $10
  • Uninsured Motorist BI $25,000 Each Person/ $50,000 Each Accident- $15
  • Underinsured Motorist BI $25,000 Each Person/ $50,000 Each Accident- $13

RVInsurance.com

PackageMonthly Payment
Recommended Package$936.75
Custom Package$29.75

RVInsurance.com uses the same system that Good Sam Insurance uses to receive information concerning quotes, so they also only give one recommended package that you are able to customize in any way.

Recommended Package- This package costs $10,127.50 when paid in full or $936.75 a month which comes to a yearly total of $11,241.50

This package includes the following:

Policy Coverage:

  • Bodily Injury $100k Each Person/ $300k Each Accident- $115.00
  • Property Damage $50,000 Each Accident- $138.00
  • Uninsured Motorist BI $100k Each Person/ $300k Each Accident- $17.00
  • Underinsured Motorist BI $100k Each Person/ $300k Each Accident- $15.00

Motorhome Coverage:

  • Comprehensive $250 Deductible- $3,812
  • Collision $500 Deductible- $7,075
  • Personal Effects $3000- Included

Custom Package- For the Custom Package I put the minimum coverage for all the policy coverage and did no motorhome coverage.

This came out to $331 when paid in full or a monthly payment of $29.75 which comes to a yearly total of $357.

This package includes the following:

Policy Coverage-

  • Bodily Injury $25,000 Each Person/ $50,000 each accident- $89
  • Property Damage $15,000 each accident- $155
  • Medical Payments $500 Each Person/ Each Accident- $10
  • Uninsured Motorist BI $25,000 Each Person/ $50,000 Each Accident- $15
  • Underinsured Motorist BI $25,000 Each Person/ $50,000 Each Accident- $13

National General Insurance

PackageMonthly Payment
Recommended Package$833.16
Custom Package$29.75

National General uses the same system that Good Sam Insurance and RVInsurance.com uses to receive information concerning quotes, so they also only give one recommended package that you are able to customize in any way.

Recommended Package- This package costs $9,005 when paid in full or $833.16 a month which comes to a yearly total of $9,998.

This package includes the following:

Policy Coverage:

  • Bodily Injury $100k Each Person/ $300k Each Accident- $179
  • Property Damage $50,000 Each Accident- $215
  • Uninsured Motorist BI $100k Each Person/ $300k Each Accident- $28
  • Underinsured Motorist BI $100k Each Person/ $300k Each Accident- $24

Motorhome Coverage:

  • Comprehensive $250 Deductible- $2,740
  • Collision $500 Deductible- $6,737
  • Personal Effects $3000- Included

Custom Package- For the Custom Package I put the minimum coverage for all the policy coverage and did no motorhome coverage.

This came out to $404 when paid in full or a monthly payment of $36.58 which comes to a yearly total of $439.

This package includes the following:

Policy Coverage-

  • Bodily Injury $25,000 Each Person/ $50,000 each accident- $116
  • Property Damage $15,000 each accident- $201
  • Medical Payments $500 Each Person/ Each Accident- $12
  • Uninsured Motorist BI $25,000 Each Person/ $50,000 Each Accident- $19
  • Underinsured Motorist BI $25,000 Each Person/ $50,000 Each Accident- $16

The Hartford Insurance

PackageMonthly Price
Recommended Package$204

Hartford Insurance only offers one package. It costs $204 monthly and $2,439 yearly.

This package offers the following:

Policy Coverage-

  • Bodily Injury Liability $100,000/$300,000- $471
  • Property Damage Liability $50,000- $186
  • Medical Payments $5,000- $78
  • Uninsured and Underinsured Motorist Bodily Injury $100,000 / $300,000- $136

Motorhome Coverage-

  • Comprehensive [Other than Collision] $1,000 Deductible- $678
  • Collision $1,000 Deductible- $890
  • Towing and Labor $75 per disablement

Class B Motorhome

The type of Class B Motorhome I based the quotes off of is a 2019 Coachmen Crossfit 22C (22.2 ft) which costs $85,000.

Progressive

PackageMonthly Price
Basic Package$27.33
Choice Package$119.92
Plus Package$142.42
Custom Package$27.59

Basic Package- $299.00 a year when paid in full or $27.33 a month which totals to $328.00 per year.

The basic package only covers Liability $25k/$50k/$15k

Choice Package- $1303 a year when paid in full or $119.92 a month making it $1439 a year.

This package is what they recommend you should have for coverage, and how much. It covers the following:

Policy Coverage-

  • Liability $100k/$300k/$50k- $368
  • Uninsured Motorist Bodily Injury $100k/$300k- $21
  • Medical Payments, $5,000 each person- $10
  • Trailer $0-$2,500- Included with Physical Damage

This package also includes coverage for the Motorhome itself in case it needs to be fixed or replaced, which total to the other $904.

Plus Package- $1551 a year when paid in full or $142.42 a month which totals to $1709 a year.

This package covers the following:

Policy Coverage-

  • Liability $250k/$500k/$100k- $485
  • Uninsured Motorist Bodily Injury $250k/$500k- $36
  • Medical Payments, $5,000 each person- $10
  • Trailer $0-$2,500- Included with Physical Damage

Once again this package also includes coverage for any damages done to your actual RV in case it needs to be repaired or replaced. These charges come out to the other $1020

Custom Package- This package allows you to choose exactly what you want coverage for and what you don’t. I used this to calculate what it would cost for the minimum coverage of each policy coverage option and did not include motorhome coverage.

This came out to a total of $324 a year when paid in full or $27.59 a month to total $355 a year.

Policy Coverage-

  • Liability $25k/$50k/$15k- $311
  • Uninsured Motorist Bodily Injury $25k/$50k- $10
  • Medical Payments, $1,000 each person- $3

This did not include the coverage for the Motorhome itself.

Good Sam Insurance

I could not get a quote for a Class B Motorhome through Good Sam, they claim to cover Class B’s but when I tried, it wouldn’t let me select a Model or Manufacturer.

RVInsurance.com

I could not get a quote for a Class B Motorhome through RVInsurance.com as they use the same system as Good Sam, they claim to cover Class B’s but when I tried, it wouldn’t let me select a Model or Manufacturer.

National General

I could not get a quote for a Class B Motorhome through National General as they use the same system as Good Sam, they claim to cover Class B’s but when I tried, it wouldn’t let me select a Model or Manufacturer.

The Hartford Insurance

PackageMonthly Price
Recommended Package$98

Hartford Insurance only offers one package. It costs $98 monthly or $1167 yearly.

This package offers the following:

Policy Coverage-

  • Bodily Injury Liability $100,000/$300,000- $471
  • Property Damage Liability $50,000- $186
  • Medical Payments $5,000- $78
  • Uninsured and Underinsured Motorist Bodily Injury $100,000 / $300,000- $136

Motorhome Coverage-

  • Comprehensive [Other than Collision] $1,000 Deductible- $128
  • Collision $1,000 Deductible- $168
  • Towing and Labor $75 per disablement

Class C Motorhome

The type of Class C Motorhome I based the quotes off of is a 2019 Coachmen FREELANDER 32FS which costs $90,000.

Progressive

PackageMonthly Price
Basic Package$16.17
Choice Package$112.58
Plus Package$118.17
Custom Package$18.42

Basic Package- $173.00 a year when paid in full or $16.17 a month which totals to $194.00 per year.

The basic package only covers Liability $25k/$50k/$15k

Choice Package- $1215 a year when paid in full or $112.58 a month making it $1351 a year.

This package is what they recommend you should have for coverage, and how much. It covers the following:

Policy Coverage-

  • Liability $100k/$300k/$50k- $212
  • Uninsured Motorist Bodily Injury $100k/$300k- $21
  • Medical Payments, $5,000 each person- $10
  • Trailer $0-$2,500- Included with Physical Damage

This package also includes coverage for the Motorhome itself in case it needs to be fixed or replaced, which total to the other $972.

Plus Package- $1418 a year when paid in full or $118.17 a month which totals to $1572 a year.

This package covers the following:

Policy Coverage-

  • Liability $250k/$500k/$100k- $280
  • Uninsured Motorist Bodily Injury $250k/$500k- $36
  • Medical Payments, $5,000 each person- $10
  • Trailer $0-$2,500- Included with Physical Damage

Once again this package also includes coverage for any damages done to your actual RV in case it needs to be repaired or replaced. These charges come out to the other $1092

Custom Package- This package allows you to choose exactly what you want coverage for and what you don’t. I used this to calculate what it would cost for the minimum coverage of each policy coverage option and did not include motorhome coverage.

This came out to a total of $198 a year when paid in full or $18.42 a month to total $221 a year.

Policy Coverage-

  • Liability $25k/$50k/$15k- $173
  • Uninsured Motorist Bodily Injury $25k/$50k- $10
  • Underinsured Motorist Bodily Injury $25k/$50k- $12
  • Medical Payments, $1,000 each person- $3

This did not include the coverage for the Motorhome itself.

Good Sam Insurance

PackageMonthly Price
Basic Package$220.58
Custom Package$32.75

Basic Package- Good Sam Insurance only gives you one recommended package but allows you to customize it in any way you would like.

This Package costs $2,388 yearly when paid in full or $220.58 a month for a yearly total of $2,647.

This is what my recommended package includes:

Policy Coverage:

  • Bodily Injury $25,000 Each Person/ $50,000 each accident- $101
  • Property Damage $15,000 each accident- $174
  • Medical Payments $500 Each Person/ Each Accident- $11
  • Uninsured Motorist BI $25,000 Each Person/ $50,000 Each Accident- $17
  • Underinsured Motorist BI $25,000 Each Person/ $50,000 Each Accident- $15

Motorhome Coverage:

  • Comprehensive $250 Deductible- $758
  • Collision $500 Deductible- $81469
  • Personal Effects $3000- Included

Custom Package- I also made a custom package that includes the minimum policy coverage and no motorhome coverage.

This package costs $360 a year when paid in full or $32.75 a month which totals to $393 a year.

This package includes the following:

  • Bodily Injury $25,000 Each Person/ $50,000 each accident- $101
  • Property Damage $15,000 each accident- $174
  • Medical Payments $500 Each Person/ Each Accident- $11
  • Uninsured Motorist BI $25,000 Each Person/ $50,000 Each Accident- $17
  • Underinsured Motorist BI $25,000 Each Person/ $50,000 Each Accident- $15

RVInsurance.com

PackageMonthly Payment
Recommended Package$239.33
Custom Package$32.75

RVInsurance.com uses the same system that Good Sam Insurance uses to receive information concerning quotes, so they also only give one recommended package that you are able to customize in any way.

Recommended Package- This package costs $2,590 when paid in full or $239.33 a month which comes to a yearly total of $2,872

This package includes the following:

Policy Coverage:

  • Bodily Injury $25k Each Person/ $50k Each Accident- $101
  • Property Damage $15,000 Each Accident- $174
  • Medical Payments $500 Each Person- $11.00
  • Uninsured Motorist BI $25k Each Person/ $50k Each Accident- $17.00
  • Underinsured Motorist BI $25k Each Person/ $50k Each Accident- $15.00

Motorhome Coverage:

  • Comprehensive $250 Deductible- $834
  • Collision $500 Deductible- $1645
  • Personal Effects $3000- Included

Custom Package- For the Custom Package I put the minimum coverage for all the policy coverage and did no motorhome coverage.

This came out to $360 when paid in full or a monthly payment of $32.75 which comes to a yearly total of $393.

This package includes the following:

Policy Coverage-

  • Bodily Injury $25k Each Person/ $50k Each Accident- $101
  • Property Damage $15,000 Each Accident- $174
  • Medical Payments $500 Each Person/ Each Accident- $11.00
  • Uninsured Motorist BI $25k Each Person/ $50k Each Accident- $17.00
  • Underinsured Motorist BI $25k Each Person/ $50k Each Accident- $15.00

National General Insurance

PackageMonthly Payment
Recommended Package$296.50
Custom Package$39.58

National General uses the same system that Good Sam Insurance and RVInsurance.com use to receive information concerning quotes, so they also only give one recommended package that you are able to customize in any way.

Recommended Package- This package costs $3,211 when paid in full or $296.50 a month which comes to a yearly total of $3,558

This package includes the following:

Policy Coverage:

  • Bodily Injury $25k Each Person/ $50k Each Accident- $115
  • Property Damage $15,000 Each Accident- $198
  • Medical Payments $500 Each Person- $13
  • Uninsured Motorist BI $25k Each Person/ $50k Each Accident- $20
  • Underinsured Motorist BI $25k Each Person/ $50k Each Accident- $18

Motorhome Coverage:

  • Comprehensive $250 Deductible- $1,054
  • Collision $500 Deductible- $2,065
  • Personal Effects $3000- Included

Custom Package- For the Custom Package I put the minimum coverage for all the policy coverage and did no motorhome coverage.

This came out to $403 when paid in full or a monthly payment of $39.58 which comes to a yearly total of $439.

This package includes the following:

Policy Coverage-

  • Bodily Injury $25k Each Person/ $50k Each Accident- $115
  • Property Damage $15,000 Each Accident- $198
  • Medical Payments $500 Each Person/ Each Accident- $13
  • Uninsured Motorist BI $25k Each Person/ $50k Each Accident- $20
  • Underinsured Motorist BI $25k Each Person/ $50k Each Accident- $18

The Hartford Insurance

PackageMonthly Price
Recommended Package$99

Hartford Insurance only offers one package. It costs $99 monthly and $1,185 yearly.

This package offers the following:

Policy Coverage-

  • Bodily Injury Liability $100,000/$300,000- $471
  • Property Damage Liability $50,000- $186
  • Medical Payments $5,000- $78
  • Uninsured and Underinsured Motorist Bodily Injury $100,000 / $300,000- $136

Motorhome Coverage-

  • Comprehensive [Other than Collision] $1,000 Deductible- $136
  • Collision $1,000 Deductible- $178
  • Towing and Labor $75 per disablement

Travel Trailer

The type of Travel Trailer I based the quotes off of is a 2019 Grand Design IMAGINE 2500RL (29.9 ft) which costs $35,000.

Progressive

PackageMonthly Price
Basic Package$36
Choice Package$54.83
Plus Package$61.33
Custom Package$28.08

Basic Package- $399.00 a year when paid in full or $36 a month which totals to $432.00 per year.

This package includes the following:

  • Physical Damage Settlement Options, Actual Cash Value
  • Comprehensive, $1,000 deductible- $176
  • Collision, $1,000 deductible- $223
  • Emergency Expense, $750- included with Physical Damage Coverage
  • Vacation Liability, $10,000- Included with Physical Damage Coverage

Choice Package- $615 a year when paid in full or $54.83 a month making it $658 a year.

This package is what they recommend you should have for coverage, and how much. It covers the following:

  • Physical Damage Settlement Options, Total Loss Replacement (TLR)/ Purchase Price
  • Comprehensive, $500 deductible (TLR/Purchase Price)- $244
  • Collision, $500 deductuble (TLR/ Purchase Price)- $342
  • Disappearing Deductibles- Included
  • Emergency Expense $750- Included with Physical Damage Coverage
  • Vacation Liability $10,000- Included with Physical Damage Coverage
  • Roadside Assistance- $25
  • Replacement Cost Personal Effects, $1,000- $4

Plus Package- $736 a year when paid in full or $61.33 a month which totals to $785 a year.

The Plus package is essentially a premium package that includes everything and has the most coverage. This package covers the following:

  • Physical Damage Settlement Options, Total Loss Replacement (TLR)/ Purchase Price
  • Comprehensive, $250 deductible (TLR/Purchase Price)- $279
  • Collision, $250 deductible (TLR/ Purchase Price)- $406
  • Disappearing Deductibles- Included
  • Emergency Expense $2000- $12
  • Vacation Liability $50,000- $6
  • Roadside Assistance- $25
  • Replacement Cost Personal Effects, $2,000- $8

Custom Package- This package allows you to choose exactly what you want coverage for and what you don’t. I used this to calculate what it would cost for the minimum coverage of each Trailer coverage.

This came out to a total of $311 a year when paid in full or $28.08 a month to total $337 a year.

It includes the following:

  • Physical Damage Settlement Options, Actual Cash Value
  • Comprehensive, $5000 deductible (TLR/Purchase Price)- $175
  • Collision, $5000 deductible (TLR/ Purchase Price)- $107
  • Disappearing Deductibles- Included
  • Emergency Expense $750- Included with Physical Damage Coverage
  • Vacation Liability $10,000- Included with Physical Damage Coverage
  • Roadside Assistance- $25
  • Replacement Cost Personal Effects, $1,000- $4

Good Sam Insurance

PackageMonthly Price
Basic Package$278.75
Custom Package$244.25

Basic Package- Good Sam Insurance only gives you one recommended package but allows you to customize it in any way you would like.

This Package costs $3,018 yearly when paid in full or $278.75 a month for a yearly total of $3,345.

This is what my recommended package includes:

Trailer Coverage:

  • Comprehensive $250 Deductible- $1,261
  • Collision $500 Deductible- $2,009
  • Personal Effects $3000- Included

Custom Package- I also made a custom package that includes the minimum Trailer coverage.

This package costs $2,645 a year when paid in full or $244.25 a month which totals to $2,931 a year.

This package includes the following:

  • Comprehensive $2500 Deductible- $867
  • Collision $2500 Deductible- $1,487
  • Diminishing Deductibles- $21
  • Replacement Cost- $478
  • Personal Effects $3000- Included
  • RV Vacation Liability $10,000 Each Accident- $3

RVInsurance.com

PackageMonthly Payment
Recommended Package$302.66
Custom Package$264.95

RVInsurance.com uses the same system that Good Sam Insurance uses to receive information concerning quotes, so they also only give one recommended package that you are able to customize in any way.

Recommended Package- This Package costs $3,276 yearly when paid in full or $302.66 a month for a yearly total of $3,632.

This is what my recommended package includes:

Trailer Coverage:

  • Comprehensive $250 Deductible- $1,538
  • Collision $500 Deductible- $2,025
  • Personal Effects $3000- Included

Custom Package- I also made a custom package that includes the minimum Trailer coverage.

This package costs $2,868.50 a year when paid in full or $264.95 a month which totals to $3,179 a year.

This package includes the following:

  • Comprehensive $2500 Deductible- $1,057
  • Collision $2500 Deductible- $1,499
  • RV Towing- $9
  • Diminishing Deductibles- $21
  • Replacement Cost- $521
  • Personal Effects $3000- Included
  • RV Vacation Liability $10,000 Each Accident- $3

National General Insurance

PackageMonthly Payment
Recommended Package$421.41
Custom Package$368

National General uses the same system that Good Sam Insurance uses to receive information concerning quotes, so they also only give the one recommended package that you are able to customize in any way.

Recommended Package- This package costs $4,559 when paid in full or $421.41 a month which comes to a yearly total of $5,057

This package includes the following:

Trailer Coverage:

  • Comprehensive $250 Deductible- $2,020
  • Collision $500 Deductible- $2,962
  • Personal Effects $3000- Included

Custom Package- For the Custom Package I put the minimum coverage for all the Trailer coverage.

This came out to $3,984 when paid in full or a monthly payment of $368 which comes to a yearly total of $4,417.

This package includes the following:

  • Comprehensive $2500 Deductible- $1,389
  • Collision $2500 Deductible- $2,192
  • RV Towing- $9
  • Diminishing Deductibles- $21
  • Replacement Cost- $728
  • Personal Effects $3000- Included
  • RV Vacation Liability $10,000 Each Accident- $3

The Hartford Insurance

PackageMonthly Price
Recommended Package$68

Hartford Insurance only offers one package. It costs $68 monthly and $814 yearly.

This package offers the following:

Policy Coverage-

  • Bodily Injury Liability $100,000/$300,000- $389
  • Property Damage Liability $50,000- $121
  • Medical Payments $5,000- $50
  • Uninsured and Underinsured Motorist Bodily Injury $100,000 / $300,000- $103

Trailer Coverage-

  • Comprehensive [Other than Collision] $1,000 Deductible- $54
  • Collision $1,000 Deductible- $97

Fifth-Wheel

The type of Fifth-Wheel I based the quotes off of is a 2019 Heartland Landmark 365 Louisville (38 ft) which costs $79,000.

Progressive

PackageMonthly Price
Basic Package$69.75
Choice Package$85.16
Plus Package$97.44
Custom Package$49

Basic Package- $783.00 a year when paid in full or $69.75 a month which totals to $837.00 per year.

This package includes the following:

  • Physical Damage Settlement Options, Actual Cash Value
  • Comprehensive, $1000 deductible- $312
  • Collision, $1000 deductible- $471
  • Emergency Expense $750- Included with Physical Damage Coverage
  • Vacation Liability $10,000- Included with Physical Damage Coverage

Choice Package- $962 a year when paid in full or $85.16 a month making it $1022 a year.

This package is what they recommend you should have for coverage, and how much. It covers the following:

  • Physical Damage Settlement Options, Total Loss Replacement (TLR)/ Purchase Price
  • Comprehensive, $1000 deductible (TLR/Purchase Price)- $354
  • Collision, $1000 deductible (TLR/ Purchase Price)- $579
  • Disappearing Deductibles- Included
  • Emergency Expense $750- Included with Physical Damage Coverage
  • Vacation Liability $10,000- Included with Physical Damage Coverage
  • Roadside Assistance- $25
  • Replacement Cost Personal Effects, $1,000- $4

Plus Package- $1185 a year when paid in full or $97.44 a month which totals to $1259 a year.

This package is basically a premium package that includes the top coverage. This package covers the following:

  • Physical Damage Settlement Options, Total Loss Replacement (TLR)/ Purchase Price
  • Comprehensive, $500 deductible (TLR/Purchase Price)- $421
  • Collision, $500 deductible (TLR/ Purchase Price)- $713
  • Disappearing Deductibles- Included
  • Emergency Expense $2000- $12
  • Vacation Liability $50,000- $6
  • Roadside Assistance- $25
  • Replacement Cost Personal Effects, $2,000- $8

Custom Package- This package allows you to choose exactly what you want coverage for and what you don’t. I used this to calculate what it would cost for the minimum coverage of each Fifth-Wheel coverage.

This came out to a total of $550 a year when paid in full or $49 a month to total $588 a year.

This package includes the following:

  • Physical Damage Settlement Options, Actual Cash Value
  • Comprehensive, $5000 deductible- $304
  • Collision, $5000 deductible- $217
  • Disappearing Deductibles- Included
  • Emergency Expense $750- Included in Physical Damage Coverage
  • Vacation Liability $10,000- Included in Physical Damage Coverage
  • Roadside Assistance- $25
  • Replacement Cost Personal Effects, $1,000- $4

Good Sam Insurance

Package Monthly Price
Basic Package$125.25
Custom Package$92.92

Basic Package- Good Sam Insurance only gives you one recommended package but allows you to customize it in any way you would like.

This Package costs $1,360 yearly when paid in full or $125.25 a month for a yearly total of $1,503.

This is what my recommended package includes:

Fifth-Wheel Coverage:

  • Comprehensive $250 Deductible- $349
  • Collision $500 Deductible- $819
  • Diminishing Deductibles- $21
  • Replacement Cost- $236
  • Personal Effects $3000- Included
  • RV Vacation Liability $10,000 Each Accident- $3

Custom Package- I also made a custom package that includes the minimum Fifth-Wheel coverage.

This Package costs $1,012 yearly when paid in full or $92.92 a month for a yearly total of $1,115.

This package includes the following:

  • Comprehensive $2500 Deductible- $240
  • Collision $2500 Deductible- $606
  • Diminishing Deductibles- $21
  • Replacement Cost- $170
  • Personal Effects $3000- Included
  • RV Vacation Liability $10,000 Each Accident- $3

RVInsurance.com

PackageMonthly Payment
Recommended Package$90.59
Custom Package$82.29

RVInsurance.com uses the same system that Good Sam Insurance uses to receive information concerning quotes, so they also only give one recommended package that you are able to customize in any way.

Recommended Package- This Package costs $986.50 yearly when paid in full or $90.59 a month for a yearly total of $1,089.50.

This is what my recommended package includes:

Fifth-Wheel Coverage:

  • Comprehensive $250 Deductible- $334
  • Collision $500 Deductible- $686
  • Personal Effects $3000- Included

Custom Package- I also made a custom package that includes the minimum Fifth-Wheel coverage.

This package costs $896.50 a year when paid in full or $82.29 a month which totals to $987.50 a year.

This package includes the following:

  • Comprehensive $2500 Deductible- $229
  • Collision $2500 Deductible- $507
  • RV Towing- $9
  • Diminishing Deductibles- $21
  • Replacement Cost- $149
  • Personal Effects $3000- Included
  • RV Vacation Liability $10,000 Each Accident- $3

National General Insurance

PackageMonthly Payment
Recommended Package$121.33
Custom Package$109.08

National General uses the same system that Good Sam Insurance uses to receive information concerning quotes, so they also only give the one recommended package that you are able to customize in any way.

Recommended Package- This package costs $1,319 when paid in full or $121.33 a month which comes to a yearly total of $1,456.

This package includes the following:

Fifth-Wheel Coverage:

  • Comprehensive $250 Deductible- $2,020
  • Collision $500 Deductible- $2,962
  • Personal Effects $3000- Included

Custom Package- For the Custom Package I put the minimum coverage for all the Fifth-Wheel coverage.

This package costs $1,187 when paid in full or $109.08 a month which comes to a yearly total of $1,309

This package includes the following:

  • Comprehensive $2500 Deductible- $283
  • Collision $2500 Deductible- $717
  • RV Towing- $9
  • Diminishing Deductibles- $21
  • Replacement Cost- $201
  • Personal Effects $3000- Included
  • RV Vacation Liability $10,000 Each Accident- $3

The Hartford Insurance

Hartford Insurance does not cover Fifth-Wheels.

Geoff Southworth

I am a California native and I enjoy all the outdoors has to offer. My latest adventures have been taking the family camping, hiking and surfing.

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