Travel trailer insurance typically costs between $300-$600 annually, though your actual premium depends on coverage level, trailer value, usage frequency, and location. Basic liability-only policies start around $125 per year, while full comprehensive coverage for high-value trailers can exceed $800 annually. According to Progressive's 2024 data, the countrywide average premium for a 12-month travel trailer insurance policy was $594, with most weekend campers paying $350-$450 for standard protection that covers collision, comprehensive, and liability risks.
Whether you're hitching up for weekend getaways or planning full-time life on the road, understanding travel trailer insurance costs helps you budget for the protection your rig deserves. Unlike traditional auto coverage, travel trailer policies are designed specifically for the unique risks of towable RVs—from storage security to campground liability.
Ready to see what coverage costs for your specific trailer? Let's break down exactly what influences your premium and how to get the best value for your adventures ahead.
Your annual premium is calculated using five primary factors: coverage level selected, trailer value and type, how often you use it, where it's stored, and your personal driving record. Understanding these elements helps you estimate costs and find potential savings before you get quotes.
The biggest factor in your travel trailer insurance cost is how much protection you want. Think of it like choosing between a basic tent and a fully-equipped RV—more features cost more, but they also provide better protection when you need them.
Liability-only coverage protects others if you cause an accident while towing. Many auto insurance policies already cover towed trailers for liability, so check your existing coverage first. If you need separate liability, expect to pay $200-$350 annually.
Comprehensive and collision coverage protects your trailer itself against damage from accidents, weather, theft, and vandalism. This full protection typically adds $150-$300 to your annual premium, depending on your trailer's value.
Full-time RV coverage includes additional protections like emergency living expenses and personal liability when parked. Full-timers can expect to pay 20-40% more than recreational users for this expanded coverage.
Higher-value trailers cost more to insure because they're more expensive to repair or replace. A $15,000 travel trailer typically costs $100-$200 more annually to insure than a $8,000 model, assuming similar coverage levels.
Luxury features like slide-outs, solar systems, and high-end appliances increase replacement costs, which insurance companies factor into your premium. However, safety features like anti-theft systems or advanced braking may qualify you for discounts.
Occasional recreational use costs less to insure than frequent or full-time living. Weekend campers who use their trailer 30-50 days per year typically pay standard recreational rates, while full-timers face higher premiums due to increased exposure to risks.
If you're planning to rent out your trailer through platforms like Outdoorsy, you'll need rental-friendly coverage. Standard policies often exclude commercial use, so this specialized protection typically adds $50-$150 annually to your premium.
Where you keep your trailer when not in use significantly impacts your insurance costs. Trailers stored in secure, monitored facilities typically qualify for 10-25% discounts compared to those parked in driveways or on the street. Some insurers offer storage discounts as high as 53% for seasonal storage during winter months.
Geographic location also matters. Areas prone to severe weather, higher crime rates, or frequent natural disasters generally have higher premiums. According to FBI data, RV thefts result in close to $50 million in insurance claims annually, making secure storage particularly valuable for comprehensive coverage savings.
A clean driving record and good credit score can significantly reduce your travel trailer insurance costs. Most insurers offer safe driver discounts of 15-30% for accident-free records over three to five years.
Some insurers also consider credit scores when calculating premiums, though this varies by state. Maintaining good credit can help keep your rates lower, while recent accidents or violations may increase costs by 20-50% depending on severity.
Most auto insurance policies provide liability coverage for trailers while being towed, but they typically don't cover the trailer itself for physical damage. This means if you cause an accident, your auto policy helps pay for damage to other vehicles, but your trailer's repairs come out of your pocket unless you have separate coverage.
Your auto policy's liability limits apply to the combined vehicle and trailer, so make sure your coverage amounts are adequate for the total value you're towing. If your auto policy has $100,000 in liability coverage, that same limit covers both your truck and trailer together.
What auto insurance typically covers:
What auto insurance typically doesn't cover:
For full protection, most travel trailer owners need a separate RV insurance policy that covers the trailer itself, plus contents and specialized situations like campground liability.
Full-time travel trailer insurance typically costs 25-50% more than recreational coverage, ranging from $1,500-$4,000 annuall, depending on your trailer's value and the coverage levels you choose. This higher cost reflects the increased risks and expanded protections needed when your trailer serves as your primary residence. For comprehensive details about what this specialized coverage includes, see our complete guide to full-time RV insurance.
Full-time policies include several coverages that recreational policies don't offer:
Emergency living expenses pay for temporary housing if your trailer becomes uninhabitable due to a covered loss. This coverage typically adds $50-$100 to your annual premium but can save thousands if you need alternative accommodation while repairs are made.
Increased liability coverage protects you when your trailer is parked and functioning as a residence. Standard recreational policies often have limited liability coverage for stationary situations, while full-time policies provide homeowners-level protection.
Enhanced content coverage reflects the reality that full-timers carry more valuable possessions in their trailers. While recreational users might have $5,000-$10,000 in contents coverage, full-timers often need $20,000-$50,000 or more.
Loss assessment coverage helps pay for special assessments if you're staying in an RV park that experiences shared property damage, similar to condo insurance.
Most insurers offer multiple discounts that can reduce your premium by 20-40% when combined. The key is knowing which discounts you qualify for and ensuring your insurer applies them to your policy.
Common travel trailer insurance discounts include:
Multi-policy bundling: Insuring your trailer with the same company that covers your auto, home, or other vehicles typically saves 10-25% on your trailer premium. Some insurers offer bundling discounts as high as 24%.
Safe driver discounts: Clean driving records over 3-5 years often qualify for 15-30% reductions. Some insurers offer additional discounts for completing defensive driving courses or RV safety courses.
Safety feature discounts: Anti-theft devices, tracking systems, and advanced braking systems can reduce premiums by 5-15%. Even simple measures like wheel locks or hitch locks may qualify for small discounts.
Storage discounts: Keeping your trailer in a secure, monitored facility rather than on the street typically saves 10-25%. Some insurers offer seasonal storage discounts as high as 53% during the winter months when the trailer isn't in use.
Pay-in-full discounts: Annual payment instead of monthly installments often saves 5-10% by eliminating processing fees.
Low mileage discounts: If you use your trailer fewer than 6,000 miles annually, you may qualify for reduced rates with some insurers.
The best approach is to ask about all available discounts when getting quotes. What applies to your situation might surprise you—and every discount helps keep more money in your adventure fund.
Increasing your deductible from $500 to $1,000 typically reduces your annual premium by 15-25%, but make sure you can comfortably afford the higher out-of-pocket cost if you need to file a claim. This strategy works best for owners who rarely use their trailers or those with emergency funds to cover unexpected expenses.
Consider your trailer usage patterns when deciding on deductibles. If you're a weekend warrior who puts thousands of miles on your trailer each year, a lower deductible might provide better peace of mind. If your trailer sits in storage most of the year and only sees occasional use, a higher deductible could save money over time.
Deductible impact examples:
Remember that you'll pay your chosen deductible for each covered claim, so frequent travelers or those in high-risk areas might prefer lower deductibles despite the higher premiums.
Start with your existing coverage. Before shopping for separate trailer insurance, review your auto and homeowners policies. You might already have more coverage than you realize, which can help you avoid paying for duplicate protection.
Think beyond the premium. The cheapest policy isn't always the best value. I've seen too many claims where inadequate coverage limits left owners with significant out-of-pocket expenses. A slightly higher premium for proper coverage limits often saves money in the long run.
Update your coverage as your needs change. Many owners start with basic coverage and never revisit it as they upgrade trailers or change usage patterns. Review your policy annually to ensure it still fits your situation.
Ready to protect your travel trailer and hit the road with confidence? Get a free travel trailer insurance quote online and see how affordable the right coverage can be. With Roamly's RV-first approach, you'll get coverage built specifically for life on the road—not just modified auto policies.
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.