How much is insurance on an RV?

The cost of insurance on an RV varies, but on average in the U.S., you can expect to pay around $125 per month, or about $1,500 per year. Actual premiums depend on several factors, including your state, the type of RV you own, how often and how far you drive it, and the coverage limits you choose. In general, RV insurance can range anywhere from about $200 to as high as $3,000 per year, with full-timers or luxury motorhome owners typically paying on the higher end of that spectrum.