Autoauto, rv
Average RV Insurance Cost for Full-Time RVers in the US: 2026 Data
Average RV Insurance Cost for Full-Time RVers in the US: 2026 Data Full-time motorized RV insurance commonly runs $1,500 to $4,000 per year in 2026 — roughly $125 to $333 per month — which is 20-40% more than the recreational policy on the same RV. Lighter rigs land below that band and big diesel coaches above it; the premium climbs because the carrier underwrites your RV like a primary residence, not a weekend toy. Use our free RV Insurance Quote Calculator(/finance/rv-insurance-quote-calculator) to estimate your full-timer premium by RV class, value, and coverage tier. The recreational-versus-full-timer gap surprises most first-time buyers. Industry data shows a $95,000 Class C quoted at about $880/yr on a recreational policy rises to roughly $1,144/yr the moment it is flagged as a primary residence — a $264 swing, or 30%, for identical physical coverage on the vehicle. Across published 2026 rate breakdowns the full-timer uplift lands...