On average, Class C RV insurance costs $1,200 per year. Prices will typically range from $800-$1,600, with a highest cost of $3,000 per year, according to RVandplaya.
What Is Class C RV Insurance?
RVs are categorized by size and there are three main categories used today. They are Class A (full-size RVs), Class B (smallest size) and Class C (midsize RVs). Since insurance rates will differ due to size, insurance companies need to have a few different ways of telling the types apart. Besides size, companies will have several different categories for assessing the insurance needs of every RV, including:
- RV’s construction: Each class of RV is constructed differently. Insurance companies will use these specific variations to classify the RVs. Most companies will classify a cut-away van or truck chassis as a Class C RV.
- Layout: The floorplans of Class A, B and C are quite different. Class C RVs will have full living quarters, including sleeping, kitchen and bathroom areas. Class A RVs, for example, are much larger.
- Cab of the RV: Class C RVs can offer a few different cab setups. Typically, though, Class C will come with a cab as made by the manufacturer.
- Over-cab compartment: Generally, Class C will feature some sort of compartment over the cab. If the over-cab compartment can be utilized for sleeping, then this is a Class C RV.
- Sleeping accommodations: One last thing an insurance company will evaluate is how many people can sleep comfortably inside the RV. A Class C RV can sleep up to 8 people.
Average RV Insurance Costs
Class A are the costly to insure. The average insurance cost is from around $1,000 to $4,000 or more annually.
Class B are going be the least costly to insure since they are smaller and more comparable to full-sized vans. The approximate cost for insurance on class B’s may range somewhere from $500 to $1,000 annually.
What Does RV Insurance Cover?
Basic RV insurance will cover the following:
Bodily injury liability coverage
If you caused an accident in your RV and someone is gets hurt, this coverage may assist in paying their medical bills and their loss of income. Liability coverage is a requirement in many states.
Property damage liability coverage
If you caused an accident, this coverage assists in paying for the damage to another person’s property or vehicle. Liability coverage is a requirement in many states.
It doesn’t matter who’s fault it is, collision pays for the damages to your RV or motorhome if you are in an accident with another vehicle. Additionally, collision covers RV or motorhome in cases of rollovers. If you finance or lease your RV or motorhome, collision might be required.
Commonly called “other than collision,” this coverage may assist in paying for non-collision damages to your RV or motorhome. This will include damages from vandalism, theft, failing items, fires, storms, floods and particular other natural disasters.
Uninsured motorist coverage
This type of RV coverage assists in protecting you against drivers that don’t have liability insurance or don’t have the money to pay for injuries and/ or damages they cause to you, the passengers of your RV or your RV. This coverage can also safeguard you from covered hit and run scenarios. Every state has their own uninsured motorist laws. Coverage is dependent on policy coverage provisions and restrictions.
Underinsured motorist coverage
Safeguard yourself against underinsured motorists. Every state has their own uninsured motorist laws. Coverage is dependent on policy coverage provisions and restrictions.
It doesn’t matter who’s fault it is, medical pay can assist in covering the medical bills for you and your passengers if your RV was in an accident.