How Much is RV Rental Insurance?


Are you thinking about taking a road trip in your favorite country? Road trips in an RV rental can be a lot of fun. Whether you’re traveling with your family or with friends, it’s bound to be a trip of a lifetime.

An RV can provide you with the freedom to not worry about where you’re going to stay every night. You can forget about having to load and unload your baggage every day. It offers more comfort than you would imagine and makes traveling simple.

Of course, renting an RV rental means some costs. From the price that you’ll be charged to rent the camper to the insurance and fuel, there will be a plethora of expenses to pay attention to.

So, as you start planning your trip and budgeting for it, you may want to find out how much rental insurance is bound to cost you. On average, RV insurance can run anywhere between $14-$35 a day. Of course, it also depends on which type of insurance that you get.

Before making a decision on insurance, it’s important to do your research beforehand, as there are different rates provided by different companies. Because you’ll also need to set aside money for other expenses, you want the best rate, right?

Frequently Asked Questions About RV Rental Insurance

Many motorhome rental drivers don’t have the experience that many motorhome owners do. If you’re new to the scene, you may have questions about insurance. The following are some frequently asked questions and answers to help be aware of what to expect:

  • What is better, full coverage or liability insurance? If you’re penny pinching, you may just want to get liability insurance, but the wisest decision would be to get full coverage. One never knows what will happen on a road trip and although it’s hopeful that everything works out perfectly, dishing out a bit extra cash for the unexpected is a good idea.
  • Is insurance an absolute must? It certainly is. It’s illegal to drive without insurance in the U.S. Not only that, but imagine if you do get into an accident? You’ll have to pay much more for repairs than what you would with insurance. Also, if the police catch you without insurance at the scene of an accident, it won’t be the most pleasant experience. Besides all these factors, most rental companies won’t rent to you without insurance.
  • Should you get insurance with the rental company? This is a loaded question, as it largely depends on the company. Some only allow you to purchase insurance through them while others are flexible. Rates from your own provider could be cheaper or from another insurance company, but it largely depends on which rental company you choose. Just be careful when getting insurance with the RV company, as they may have very high deductibles or hidden fees.
  • Can you get it with your current provider? Many companies will let you get coverage through your current insurance company, but not all. It’s a matter of seeing what is possible. It is definitely a good idea as you already know your insurance company, how much they charge, their fees, and you have experience with them. If it’s possible to get it with them, it’s definitely one of the most comfortable options.
  • Is there ever free insurance? In fact, yes, some, but very few will offer it for free included in the overall price. Just bear in mind that the overall price may be much higher than at other companies.

Getting insurance is a challenge, but you need it if you want to road trip in a motorhome rental. It’s important to make some important decisions before doing it, such as if full coverage is important to you or if you want add-ons.

No one can make the decision for you and while this guide should give you an idea of what to look for, it’s up to you. Just make sure to make the choice that will allow you to sit back and enjoy your trip.


It’s difficult to put a hard and set number on how much RV insurance will cost you, as it can differ from state to state, motorhome to camper, and company to company. It requires research and a bit of background work to ensure that you don’t get overcharged for insurance.

If you have the freedom to choose your own insurance, make sure to compare quotes and find out as much possible about rates. You want to spend less, yes, but you also want to be safe and financially protected should an accident happen.

As much as you may not want to have to pay even more money for your road trip, rest assured that it will give you peace of mind. Insurance can save you from some highly stressful situations, so don’t ignore the smart choice and get insurance for your RV rental.

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