Maryland RV Insurance for Motorhome and Trailer Owners: Costs and Rules

A Maryland RV trip often means a crawl down I-95, then a night parked on the sand at Assateague with Atlantic wind rocking the rig. That mix of heavy corridor traffic and coastal weather is what shapes RV insurance in Maryland, far more than the size of the rig.

Dragon Insurance is an independent agency in Camp Hill, PA, licensed in Maryland. Below is what Maryland law asks of a motorhome or a travel trailer, what RV owners in the state typically pay, and which coverages matter on the Eastern Shore and the Beltway alike.

Does Maryland Require RV Insurance?

Maryland requires insurance on any RV you drive, and it treats a motorhome like any other registered vehicle. Towables work differently, because a camper with no engine never carries its own driving liability. Here is how the rules split.

Motorhomes (Class A, B, and C)

• 30/60/15 liability. That is $30,000 for one person's injuries, $60,000 per accident, and $15,000 for property damage. A loaded Class A that rear-ends a pickup on I-95 can exceed those limits fast, so most owners buy well above them.
• Uninsured motorist coverage. Maryland builds uninsured and underinsured motorist coverage into every auto policy, and Progressive lists it at 30/60 for RVs. It pays you when the other driver cannot.
• PIP of $2,500, waivable in writing. Under Section 19-505 of the Maryland Insurance Article, your carrier must include personal injury protection of at least $2,500 for medical bills and lost wages unless you waive it on a signed form. Keep it if you travel with family who lack strong health coverage.

Travel trailers, fifth wheels, and pop-ups

Progressive notes that Maryland law requires auto liability on the vehicle pulling your camper, and that this coverage does not pay for damage to the camper itself. So if a gust shoves your fifth wheel into a guardrail on the Bay Bridge approach, the truck policy handles the other driver while a separate trailer policy pays for your rig. Lenders on financed trailers require that physical damage coverage until the loan is paid off.

Registration runs through the Maryland MVA, so check your unit's title and registration status with the MVA before you buy. Have the title in hand when you call for a quote, because the carrier rates the unit by its VIN.

Your tow vehicle carries the same state rules. For the full breakdown of Maryland minimums, PIP, and rates on the truck or SUV pulling your camper, read our Maryland car insurance requirements guide.

How Much Is RV Insurance in Maryland?

According to Progressive, the average 12-month Maryland RV policy it wrote in 2024 cost about $912 for a motorhome and about $457 for a travel trailer. Those are one carrier's published averages across its own Maryland customers, not a quote. Your premium can land well above or below them, and five things decide where.

• What the rig is worth. Physical damage is priced on the coach or trailer value, so a new diesel pusher and a 15-year-old pop-up sit at opposite ends of the scale.
• Where it is garaged. A ZIP code near the coast, or in dense Baltimore and Washington suburbs, rates differently from a farm lot in Garrett County.
• Recreational use or full-time living. Living in the RV adds home-style liability and belongings coverage, which raises the premium.
• Limits and deductibles. Choosing liability above 30/60/15 and a higher comprehensive deductible pull the price in opposite directions.
• Bundling and driving record. Progressive lists multi-policy, responsible driver, and paid-in-full discounts for Maryland RV owners. A clean record helps with every carrier.

For national ranges by motorhome class and trailer type, see our guide to RV insurance cost by RV class. For your own Maryland number, call 717-229-5115. We run the same coverage through several carriers while you are on the phone.

Maryland RV Risks: The Coast, I-95, and Winter Storage

Most Maryland RV claims trace back to three local exposures: Atlantic weather at the shore, heavy traffic on the I-95 corridor, and months parked in storage. Each one points to a specific coverage.

• Beach camping means wind and sand. The National Park Service allows trailers and RVs at the Oceanside and Bayside drive-in sites on Assateague Island, with no hookups, and reminds campers to anchor against sand and wind. Wind damage, a falling limb, or storm surge is a comprehensive claim on your RV.
• Hurricane season overlaps camping season. NOAA's National Hurricane Center puts the Atlantic season at June 1 to November 30. Carriers commonly pause new comprehensive coverage once a storm watch is posted, so add it on a calm day.
• I-95 is a liability test. Stop-and-go traffic between Baltimore, the Capital Beltway, and the Delaware line is where a heavy coach causes the costliest crashes. Liability limits well above 30/60/15 protect your savings when it does.
• Storage still needs coverage. A rig parked from November to March can still be hit by theft, vandalism, a tree, or a fire at the lot. Ask for a storage option that suspends driving coverage while keeping comprehensive in force.

Seasonal RVers vs. Full-Timers in Maryland

A weekend camper and a full-timer can own the same motorhome and need very different policies. Match the policy to how you actually use the rig.

• Seasonal use: pay for driving months only. If the RV sits from late fall to spring, a storage or lay-up option can lower the bill while comprehensive stays on. We line up the storage terms each carrier offers.
• Full-time living: insure it like a home. Full-timer coverage adds liability around the campsite and higher limits for the belongings inside. Without it, a recreational policy may not respond the way you expect.
• Either way: plan for the breakdown far from home. Emergency expense coverage helps with lodging and travel when the rig is disabled away from home, and roadside assistance handles the heavy tow.

For every coverage line in plain English, read what RV insurance covers. Weighing carriers first? Our ranking of the best RV insurance companies of 2026 shows where each one fits.

Where Maryland RV Owners Get Covered

Dragon writes RV coverage for Maryland drivers from the Eastern Shore to Western Maryland, by phone and online. Start with RV insurance quotes for motorhomes and trailers, see everything else we write in the state on our Maryland insurance page, or if you keep the rig near the city, visit our Baltimore insurance page to add your home and cars to the same quote.

Frequently Asked Questions

Get Your Maryland RV Insurance Quote

Motorhome, fifth wheel, or a pop-up for Assateague weekends, Dragon prices Maryland RV coverage across the carriers we write and lays the options side by side. English, Nepali, and Hindi spoken.

Dragon Insurance Services LLC is a licensed independent insurance agency. This guide is general information as of October 2026 and is not legal advice. Coverage varies by carrier and policy, and all coverage is subject to policy terms and underwriting approval. Contact us for a personalized quote.