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A 2026 cost guide to drivable motorhome and campervan insurance: average cost by class (A, B, C), campervan pricing, by-state ranges across Dragon's 7 states, what drives the premium, how to lower it, and whether you need insurance on a camper. Dragon compares Foremost, Progressive, National General, AAA, Safeco, and Liberty Mutual.
A motorhome is two insurable things at once: a vehicle you drive and a home you live in. That is why motorhome insurance costs more than car insurance but often less than people expect, especially for a campervan. Most owners overpay because they call one company. As an independent agency, Dragon Insurance compares Foremost, Progressive, National General, AAA, Safeco, and Liberty Mutual side by side to find the real number for your coach.
This guide covers drivable motorhomes specifically: Class A, Class C, and Class B campervans. For towable units like travel trailers and fifth wheels, see our full RV insurance cost guide.
Key Takeaways
Quick Answer
How much is motorhome insurance?
Motorhome insurance costs about $1,000 to $3,500 per year for recreational use in 2026. Class B campervans average $1,000 to $2,000, Class C motorhomes average $1,000 to $2,500, and Class A coaches average $1,200 to $3,500, with luxury diesel pushers running higher. Full-time living adds 40 to 100 percent. Your exact rate depends on the coach value, class, driving record, state, and whether you choose agreed value or actual cash value.
Class is the first thing an underwriter looks at, because it signals size, value, and how the motorhome is driven. The figures below reflect typical recreational-use ranges for a clean-record owner. Full-timers, prior claims, and high-value coaches push higher.
| Motorhome Type | Per Year | Per Month | Typical Value |
|---|---|---|---|
| Class B (campervan) | $1,000 to $2,000 | $83 to $167 | $60K to $150K |
| Class C (cab-over) | $1,000 to $2,500 | $83 to $208 | $80K to $160K |
| Class A (gas) | $1,200 to $2,800 | $100 to $233 | $120K to $250K |
| Class A (diesel pusher) | $2,000 to $4,500+ | $167 to $375+ | $250K to $500K+ |
Source: Foremost and Progressive published RV ranges and NerdWallet, MoneyGeek 2026 RV insurance cost surveys. Actual premiums depend on underwriting review and the coverage you select.
A Class B campervan typically costs $1,000 to $2,000 per year to insure for recreational use, which is the lowest of any motorhome class. Campervans are smaller, handle like a large van, and carry lower total-loss values than a 35-foot Class A, so the premium is lower for the same driver. Two details move a campervan quote the most:
For DIY conversions, keep receipts and photos of the build. Carriers will insure a converted campervan, but they want documentation of the value before they agree to it.
Across all classes, the average cost of motorhome insurance lands around $1,500 to $2,000 per year for recreational use on a clean record. Average motorhome insurance rates are pulled up by large Class A diesel coaches and pulled down by campervans and older Class C units. Because the spread is so wide, an average is only a starting point. The number that matters is your number, which depends on your specific coach, your record, and your state.
Where you garage the motorhome is the second-largest cost driver after class. Texas runs higher than Pennsylvania for an identical Class C because of hail exposure and higher uninsured motorist rates. Here are typical recreational ranges for a mid-range Class C ($120K) across the states Dragon serves.
| State | Class C ($120K) Per Year | Key Cost Driver |
|---|---|---|
| Pennsylvania | $1,100 to $1,800 | Choice no-fault; seasonal storage common |
| Texas | $1,400 to $2,400 | Hail corridor; high uninsured motorist rates |
| Virginia | $1,050 to $1,750 | Lower loss exposure; competitive market |
| Maryland | $1,150 to $1,850 | PIP requirements; suburban density |
| Ohio | $1,000 to $1,700 | Lower base rates; winter storage |
| Tennessee | $1,150 to $1,900 | High uninsured motorist; storm exposure |
| Kentucky | $1,050 to $1,750 | No-fault state; basic reparations required |
Ranges reflect Dragon Insurance quote data for clean-record owners with standard recreational use. Verify current state minimums with your DMV.
Beyond class and state, underwriters weigh a handful of factors that you can partly control.
Coach value and agreed value
Higher value means higher premium. Choosing agreed value protects a newer coach from depreciation at total loss for a small premium increase.
Driving record and experience
A clean record and prior large-vehicle experience lower the rate. Recent at-fault accidents or violations raise it across every class.
Usage: recreational vs full-time
Full-timer coverage adds 40 to 100 percent because the motorhome is also your home, needing higher personal effects and liability limits.
Storage and annual mileage
Seasonal storage in a covered facility and lower annual mileage reduce comprehensive exposure and the overall premium.
Deductibles
Raising your comprehensive and collision deductibles lowers the premium. Pick a deductible you could actually pay after a loss.
Bundling
Bundling the motorhome with your auto or home policy through the same carrier, such as Safeco or Liberty Mutual, often unlocks a multi-policy discount.
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Tell us your class, coach value, state, and use once. We compare Foremost, Progressive, National General, AAA, Safeco, and Liberty Mutual with identical limits.
How much is motorhome insurance?
Motorhome insurance costs about $1,000 to $3,500 per year for recreational use in 2026. Class B campervans average $1,000 to $2,000, Class C motorhomes $1,000 to $2,500, and Class A coaches $1,200 to $3,500, with luxury diesel pushers running higher. Full-time living adds 40 to 100 percent. Your exact rate depends on coach value, class, driving record, state, and agreed value versus actual cash value.
How much is campervan insurance?
Campervan insurance averages $1,000 to $2,000 per year for recreational use, the lowest of any motorhome class. A Class B campervan is smaller and lower in value than a large Class A or Class C, so it costs less to insure for the same driver. Insure the full converted value on agreed value, especially for a professional Sprinter, Transit, or ProMaster build.
What is the average cost of motorhome insurance?
The average cost of motorhome insurance is roughly $1,500 to $2,000 per year for recreational use on a clean record. Average motorhome insurance rates are pushed up by large Class A diesel coaches and down by campervans and older Class C units, so the average is only a starting point. A direct quote on your specific coach is the only accurate figure.
Do you have to have insurance on a camper?
Yes for any motorized motorhome or campervan, which needs at least state-minimum liability just like a car. A towable camper or travel trailer is not legally required to carry its own auto liability because your tow vehicle's policy extends liability while towing, but if you financed the camper your lender will require comprehensive and collision, and physical damage coverage protects your investment either way.
Is motorhome insurance cheaper than RV insurance?
Motorhome insurance is a type of RV insurance, so the cost depends on the unit, not the label. A drivable motorhome includes liability for operating the vehicle, which a towable travel trailer does not, but a small campervan can still cost less to insure than a high-value fifth wheel. Compare your specific unit rather than the category. See our broad RV cost guide for towable units.
How much does motorhome insurance cost per month?
Motorhome insurance costs roughly $83 to $375 per month in 2026 depending on class: Class B campervans run $83 to $167 per month, Class C motorhomes $83 to $208 per month, Class A gas coaches $100 to $233 per month, and Class A diesel pushers $167 to $375 or more per month. These ranges are for recreational use on a clean record; full-time living adds 40 to 100 percent. Monthly billing is available on most motorhome policies through premium finance. Paying annually in full is cheaper overall. Dragon compares Foremost, Progressive, National General, AAA, Safeco, and Liberty Mutual with identical limits in one call.
What does motorhome insurance cover?
A motorhome insurance policy covers: auto liability for injury and property damage you cause while driving, required by law in all Dragon footprint states; collision for crash damage to the motorhome; comprehensive for theft, fire, weather, and other non-collision losses; agreed value or actual cash value protection at total loss; personal effects and attached accessories such as awnings and solar panels; campsite liability for incidents while the motorhome is parked and in use; and optional emergency expense or roadside assistance. Full-timer endorsements extend personal liability and living expense coverage for coaches used as a primary residence. Dragon builds the right coverage stack from Foremost, Progressive, National General, AAA, Safeco, and Liberty Mutual.
Averages only get you so far. The accurate number comes from quoting your exact coach against multiple carriers with identical limits. That is what Dragon does in one conversation, at no cost to you.
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Dragon Insurance Services LLC is a licensed independent insurance agency. Cost figures in this article reflect 2026 third-party rate data and our agency's quoting experience across PA, TX, VA, MD, OH, TN, and KY; they are estimates, not guaranteed rates. Actual premiums vary by carrier, motorhome class, value, driving record, usage, and state, and are subject to underwriting approval. Contact us for a personalized quote.
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About the Author
Bimal GurungLicensed Insurance Advisor
Bimal Gurung is a licensed insurance advisor at Dragon Insurance Services, an independent agency in Camp Hill, PA that compares 30+ carriers for clients across Pennsylvania, Texas, Virginia, Maryland, Ohio, Tennessee, and Kentucky.
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