Are you searching for “RV Insurance Costs” or “Motorhome Insurance Costs” while trying to get an idea of how much it is going to cost to buy insurance for your Class A, Class B or Class C motorhome? If so, this page should help! If you would like to see how much Overland Insurance Services can save you! Click the link for a free RV Insurance Quote or give us a call toll-free at 1-800-677-4027.
*These are average RV Insurance Costs – Please keep in mind that your RV Insurance Cost could be different than what is shown below. RV insurance rates depend on where you live, how much coverage you select, if your a full-timer or not and how much your RV is worth.
Motorhome and RV Insurance costs were widely varied in 2015-2016, with RV insurance costs ranging from $860(lowest RV insurance cost in 2016-2017) to $4490(highest RV insurance cost in 2016-2017) in annual costs. There are many factors that directly affect your RV or motor-home insurance rates, such as what state you live in and what your driving history looks like(do you have speeding tickets, accidents etc?) your RV insurance cost will surely be higher than an RV’er that doesn’t. Let’s take a look at the factors that affect your RV insurance rates and some of the common types of RV Insurance Coverage’s and their associated costs.
Anytime you need a custom RV Insurance quote or more information about rates, contact an Overland Insurance* member agent. Overland Insurance agents are knowledgeable and dedicated to customer service.
Talk to an agent in your city today to fully comprehend the cost and insurance coverage’s for your recreational vehicle.
The state of Michigan has the highest overall RV insurance rates with a median premium of $4,510 per year and $375 per month. Why is RV Insurance In Michigan So Expensive? Michigan has mandatory laws that force RV Owners to purchase PIP (Personal Injury Protection Insurance Coverage), which makes the RV Insurance agencies cost for your Insurance claim more expensive. Louisiana comes in 2nd place with a median premium of 2,890 per year and $248.80 per month.
Your motorhome or RV Insurance rate will also be affected by state laws because each of the different states have their own requirements for the amount and type of recreational vehicle insurance coverage. Call Overland Insurance Agency to find out what your state’s requirements are.
The state of North Carolina has the lowest overall motor home and RV insurance rates with a median premium of $870 per year and $72.50 per month. Oregon is the second lowest RV Insurance coverage and Massachusetts ranks 3rd with an RV insurance cost of $1,098 per year ($91.50 per month). Insurance rates in Massachusetts’s rates are so low because there is so much competition among agencies, and just to compete, agencies reduce rates to attract new clients. When there is a surplus of anything in the world, competition goes up and prices go down.
Here are the major 9 factors that affect your RV & Motorhome insurance costs:
You will have a number of coverage choices to choose from when you meet with your RV insurance agency such as the amount of coverage you need for your personal property in your RV and the amount of liability coverage you carry to cover others in case of an accident.
Get a free RV Insurance quote from the trusted agents at Overland Insurance! Your agent will be able to compare rates & insurance costs from different companies and personalize your RV insurance quote to get you the best possible rate for your Fifth Wheel, Travel Trailer, Class A, Class B or Class C Motorhome or RV. We also provide free full-timer RV Insurance quotes.
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