Skip to Main Content

We're open and here for you. Click to view our new COVID-19 practices.

Corin Cook

By: Corin Cook on February 9th, 2022

Print/Save as PDF

How Much does MA RV Insurance Cost?

Individuals & Families | RV Insurance

Buying an RV is a big commitment – and an expensive one!

Whether you have a motorhome or travel trailer, your RV is no small investment. So when you consider all the day-to-day risks that can damage your RV, it can be kind of scary. 

You know what else can be scary? Opening an unexpectedly high insurance bill.

But not to fear – Team Berry is here! We’ve been protecting clients’ recreational vehicles through reasonably-priced policies for years. And we can also help you figure out what you might expect to pay to insure your RV.

In this article, we’ll give you an estimate on what RV insurance can cost, get into the factors that influence it, and give some real examples of insurance premiums for Massachusetts RV owners.

What a MA RV policy costs:

Without any context, giving you an accurate estimate of what your RV insurance policy will cost is kind of challenging. But we can try our best to at least give you a rough estimate based on the premiums we usually see.

Depending on several factors, you can generally expect an RV insurance policy’s premium to fall somewhere between $100 - $2,500 per year ($41 - $208 monthly).

For a more accurate estimate, you would need to factor in several other pieces of information, which we will get into next.

Factors that influence the cost of MA classic insurance:

We know the range we provided above is a little vague. But that’s because each policy varies significantly from situation to situation, based on many factors. Here’s what you can expect to play a role.

RV age, type, and features:

As we mentioned, RV insurance covers a broad variety of recreational vehicles. They cover travel trailers and motorhomes of all types and ages, so it only makes sense that the cost to insure them all will vary based on these factors.

In fact, the type, age, and features of an RV is usually the most crucial factor in determining cost. Newer, more expensive vehicles with complex features will cost more than an older, less valuable vehicle.

For this reason, you can expect it to be cheaper to insure a travel trailer than an RV. In addition to just replacement value, since RVs are driven unlike travel trailers, they require additional liability coverages, which also inflates the price.

Driving record:

If you’ve had an accident or violation in the past, whether in an RV or standard vehicle, insurance companies will consider you more likely to have one again.

If you’ve got a clean driving record – one without any accidents, tickets or violations – then your insurance will be priced lower than if you do.

In fact, you will need six years of a clean driving record to get the best rates.

Frequency of use:

Some insurance carriers may charge more the more you use your RV. After all, the more you use your RV, the more it is at risk for an incident.

Additionally, if your RV is your permanent residence, you will need extra coverage to protect you like a home, renters, or condo insurance property does.


Similar to auto insurance, location plays a role in determining RV insurance premium.

It’s no secret that some places are riskier to drive in than others. Our small town of Franklin? Pretty safe. Drive 30 minutes to Boston? Suddenly the prospect of getting into a fender bender seems much more likely.

So if you live in an area where claims occur less, your premium will be less. If you’re in a riskier area, you can expect your premium to be higher.

Coverage limits:

Each type of insurance policy has different sections. For example, RV insurance may have different coverage sections including collision, personal property, bodily injury to others, personal injury protection, bodily injury from an uninsured driver, damage to someone else’s property, collision, comprehensive, medical payments, and more.

Each of these sections have their own limits, which is the total amount the insurance carrier would pay out in a claim.

Some of these coverages are optional, or may not be an option depending on your type of recreational vehicle. For instance, if you have a travel trailer, you may only have collision coverage since liability coverage is carried over from the insurance policy of the vehicle pulling it.

Generally, with higher limits, you can expect a higher cost. Similarly, the more coverages you have, the higher your cost will be.


Another factor that influences the price of RV insurance is your deductible. A deductible is the amount you would have to pay out before an insurance carrier paid you any claim money. 

If you have a higher deductible plan, your insurance policy will be cheaper.

Number of drivers:

If an RV policy has more than one driver, the premium will almost always be higher than for a singular driver.

Prior claims:

If you’ve ever had an RV insurance claim, your carrier will consider you more of a risk to have another and will charge you more because of it.

Your insurance carrier:

Each insurance carrier prices policies differently, so the cost of a policy can vary based on the carrier it’s quoted with. 

That’s why we always stress working with an independent agent (like us) who can shop your insurance around with all the carriers they work with to get you the right coverage at the right price.

RV insurance premium examples: 

You know the factors that influence the price of RV  insurance, but you probably still don’t have a clear idea of how exactly they will impact your specific situation.

So to help give you some more insight, we’ll give you some specific examples of some of the RV policies we’ve quoted recently.

  • A 2019 Winnebago travel trailer valued at $20,000 with a $1,000 deductible: $136 per year
  • A 2020 CRSU camper travel trailer valued at 35,000 with a $1,000 deductible: $255 per year
  • A 2019 Gulf Stream Amerilite Series travel trailer valued at $16,500 with a $500 deductible: $494 per year
  • A 2022 Grand Design Reflection RV valued at $100,000 with a $1,000 deductible: $2,966

Find the right RV insurance policy at the right price with the right agency

If you’re looking for the right price for your RV insurance, you’ll want to make sure you’re working with a reputable insurance agent. 

Why? Because they will get to know you and your vehicle so they can shop around for the best price, make sure you are getting all the discounts you are eligible for, and keep up with your policy to make sure you always have the right coverage at the right price.

If you’re beginning a search to find the right agent to write your RV insurance, begin with this article: What to Look For when Selecting an Insurance Agency or Company.