Travel trailer insurance typically costs between $180 and $600 annually for recreational use, with full-time coverage ranging from $1,500 to $3,000 per year. Your exact premium depends on coverage level, trailer value, usage frequency, location, and personal factors like driving record. Part-time adventurers generally pay under $1,000 annually, while full-timers need comprehensive protection similar to homeowners insurance. Basic liability-only policies start around $125 yearly, but comprehensive coverage protecting against theft, weather damage, and collisions costs significantly more. Many auto insurance policies already cover liability for towed trailers, potentially reducing your additional insurance needs and costs.
Travel trailer insurance costs vary widely based on usage, with recreational owners paying $180-$600 annually and full-timers paying $1,500-$3,000 for comprehensive coverage.
Travel trailer insurance ranges from $180 to $600 per year for recreational use. However, full-time RV insurance costs significantly more, with premiums between $1,500 and $3,000 annually due to expanded coverage requirements.
Coverage Level Breakdown:
The significant cost difference reflects the expanded risks and protections needed when your trailer serves as a primary residence versus occasional recreation.
Ready for a quote? We can help you with a travel trailer insurance quote tailored to your usage and budget.
Your premium depends primarily on trailer value, coverage level, usage frequency, storage location, and personal factors, including driving record and credit score.
Several key factors determine your final insurance cost, allowing you to make informed decisions about coverage and potential savings opportunities.
Trailer-Specific Factors:
Usage Factors:
Personal and Location Factors:
Coverage Selections:
Understanding these factors helps you balance protection needs with budget constraints while ensuring adequate coverage for your adventures.
Most trailer owners need comprehensive coverage beyond liability-only, especially if financing, storing valuable items, or using the trailer frequently for extended trips.
While liability-only coverage costs less, it provides minimal protection for your investment and belongings.
Liability-Only Coverage Includes:
Understanding travel trailer insurance requirements helps you determine if additional coverage beyond your auto policy is necessary for legal compliance and financial protection.
Full Coverage Adds:
When You Need Full Coverage:
Most adventurers find comprehensive coverage worth the additional cost, especially considering replacement costs for modern travel trailers and gear.
Yes, full-time RV living requires specialized coverage similar to homeowners insurance, including personal liability, emergency expenses, and expanded contents protection.
When your travel trailer becomes your primary residence for six months or more annually, standard recreational policies don't provide adequate protection. Understanding full-time RV insurance helps you select appropriate coverage for permanent residence needs.
Full-Time Coverage Additions:
Why Full-Time Coverage Costs More:
The RV industry continues growing, with RV ownership reaching record levels as of 2024, driving innovation in full-timer insurance products and expanding coverage options for travel trailer owners.
Common savings strategies include bundling policies, maintaining clean driving records, choosing higher deductibles, taking safety courses, and storing trailers securely.
Smart shopping and risk reduction can significantly lower your premiums while maintaining essential protection.
Discount Opportunities:
Smart Coverage Choices:
Risk Reduction Strategies:
Roamly specializes in adventure-focused coverage, allowing you to rent out your trailer for additional income—a unique feature many traditional insurers prohibit. Learn more about insurance for renting out your RV to understand how rental income affects coverage and costs.
Travel trailers cost significantly less to insure than motorhomes because they lack engines and typically have lower values, with trailer premiums averaging $180-$600 versus $500-$3,000 for motorhomes.
The fundamental differences between towable and motorized RVs create distinct insurance cost structures and requirements.
Why Travel Trailers Cost Less:
Cost Comparison Overview:
Additional Considerations:
When choosing between trailer types, factor insurance costs into your total ownership expenses alongside purchase price, maintenance, and storage considerations.
Ready to protect your adventure? Get insured with Roamly today and join over 10,000 adventurers who trust us for best-in-class coverage. Our quick online quote process takes just minutes, and our adventure-focused policies let you rent out your trailer for extra income. Get a free quote in just minutes and see how much you can save on travel trailer insurance that actually understands your lifestyle.
Insurance terms, coverage, and discounts vary by jurisdiction; consult a licensed agent for details specific to your situation. For additional consumer protection information, visit the National Association of Insurance Commissioners.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Safeco Insurance, Foremost Insurance Company, National General Insurance, Allstate Insurance Company, Mobilitas Insurance Company, Lyndon Southern Insurance Company and others.