RV Insurance Quote Calculator — 2026 Annual Premium by Class, Value & Use
Price a 2026 RV / motorhome insurance policy across Class A, B, C, travel trailer, and 5th wheel — then line up real quotes from Progressive, Good Sam, National General, Roamly, and Foremost.
RV Details
Usage & Driver
Coverage
Location
Fill in the details and click Calculate
Fill in the details and click Calculate
Frequently Asked Questions
Q
How much does RV insurance cost per year in 2026?
As of April 2026, US RV insurance averages $450/yr for travel trailers, $600-$1,000/yr for Class C motorhomes, $600-$1,500/yr for Class B camper vans, $500-$2,500/yr for 5th wheels, and $1,000-$4,500/yr for Class A motorhomes — a gas Class A runs $1,000-$1,500/yr while a luxury diesel pusher climbs to $3,000-$4,000/yr. Full-time RVers pay 20-40% more than seasonal users because the carrier treats the RV like a primary residence. Liability-only policies start as low as $125/yr on Progressive for a small travel trailer.
Class A motorhome: $1,000-$4,500/yr (diesel pusher at top)
Full-timer uplift: +20-40% over seasonal baseline
RV Class
Liability-Only
Standard Comprehensive
Full-Timer / Premium
Travel trailer
$125–$250/yr
$300–$600/yr
$500–$900/yr
5th wheel
$200–$400/yr
$500–$1,500/yr
$1,200–$2,500/yr
Class B camper van
$250–$500/yr
$600–$1,500/yr
$1,200–$2,200/yr
Class C motorhome
$300–$500/yr
$600–$1,000/yr
$1,100–$1,800/yr
Class A gas
$400–$700/yr
$1,000–$1,500/yr
$1,700–$2,800/yr
Class A diesel pusher
$600–$900/yr
$2,500–$4,000/yr
$3,500–$5,000/yr
Q
What is the difference between liability-only, standard, and agreed-value RV coverage?
Liability-only covers damage you cause to other people or property and nothing else — cheapest tier, and the legal minimum for trailers towed on public roads. Standard comprehensive adds collision, comprehensive (fire, theft, hail, vandalism), uninsured motorist, and medical payments — the mass-market tier most RVers buy. Premium tiers add agreed-value (carrier and owner agree on a fixed payout, no depreciation) or total-loss-replacement (brand-new equivalent RV if totaled), plus roadside assistance, personal contents, and full-timer liability. Agreed-value requires an RV under 5 years old; total-loss-replacement requires under 1 year.
Liability-only: cheapest tier, covers damage to others only
Standard comprehensive: mass-market plan, adds collision + comp
Agreed-value: fixed payout at total loss, RVs under 5 years
Total-loss replacement: brand-new RV of same make/model, under 1 year
Roadside / emergency expense: $25-$75/yr rider on most carriers
Q
Is full-time RV insurance worth it, or should I use a regular RV policy?
Full-time RV insurance is required if the RV is your primary residence — a regular recreational policy excludes liability claims that happen while you are living in the RV, which is exactly the scenario that triggers the biggest claims (slip-and-fall at the site, guest injury, stolen contents). Full-timer policies add personal liability ($100k-$500k), medical payments to guests, personal contents ($10k-$30k), and emergency living expenses if the RV becomes uninhabitable. The 20-40% premium uplift buys legitimate protection; going without it on a full-timed RV means a single guest injury lawsuit can exceed the RV value.
Full-timer policy required if RV is primary residence
Adds $100k-$500k personal liability vs recreational-only
Covers guest injuries at the campsite (recreational does not)
Contents coverage $10k-$30k for clothing, electronics, gear
Emergency living expense: hotel / rental during total-loss repair
Uplift: +20-40% vs seasonal baseline, but closes a real coverage gap
Which carrier is cheapest: Progressive, Good Sam, or National General?
Progressive consistently wins on mass-market trailers and Class C coaches at $600-$1,500/yr depending on value and state, with an easy online quote and generous DIY-conversion underwriting. Good Sam Insurance Agency is a broker that places policies through Progressive, SafeCo, Foremost, and National General — it wins when the full-timer rider matters or you already have a Good Sam Club membership discount. National General stands out for its Purchase Price Guarantee, which reimburses the original RV purchase price during the first 9 model-year years on Class A and Class C (other carriers cap at 5 years). Quote all three on identical coverage — spread of 20-35% is routine.
Progressive: cheapest mass-market, strong DIY van / trailer underwriting
Good Sam: best full-timer packaging, broker of multiple carriers
National General: 9-year Purchase Price Guarantee on Class A/C
Roamly: strongest for peer-to-peer rental and vanlife niche
Foremost / Safeco: competitive on 5th wheels and higher-value units
USAA / Allstate: bundling discount 10-25% if you already have auto
Q
Does RV value or my driving record have a bigger impact on my premium?
RV value dominates — a $25k used travel trailer and a $300k diesel pusher sit in different pricing universes regardless of driver record. Within a given class, value moves the premium 2-4x from the bottom to the top of the band. Driving record is a secondary lever: a clean record over 5+ years earns 5-15% off, a first-time RV owner or new driver pays 15-25% more, and a DUI or at-fault accident in the last 3 years adds 25-50% or triggers non-renewal at some carriers. ZIP code is a third lever — California, Florida, Texas, and Michigan run above national average; rural low-traffic states run below.
RV value: 2-4x swing within a class, biggest single lever
Driving experience: -15% clean veteran to +25% first-time
DUI / at-fault accident: +25-50% or carrier non-renewal
Storage in enclosed facility: 10-25% off vs driveway
Q
How can I lower my RV insurance premium without losing real coverage?
Six levers move the premium without gutting protection. Raise your deductible from $500 to $1,000 (cuts 10-20%); bundle RV with auto and home (10-25%); store the RV in an enclosed facility instead of a driveway (10-25%); take an RV safety course like RV Driving School (5-10% at most carriers); suspend collision and liability during storage months and keep only comprehensive (cuts 30-50% on those months); and quote at least three carriers on identical coverage because spread is routinely 20-35%. Avoid dropping comprehensive entirely — hail, fire, and theft are your biggest passive-loss risks and the coverage is cheap.
Quote 3 carriers on identical coverage: 20-35% spread routine
Example Calculations
1Class C mid-size motorhome, seasonal use, Dallas TX
Inputs
RV classClass C
RV value$75,000–$150,000
Use typeSeasonal
Driving experienceSome experience (1–3 yrs)
Coverage levelStandard comprehensive
ZIP75201 Dallas, TX
Result
Typical annual quote$700 – $1,100/yr
Liability-only downgrade$300–$500/yr
Full-timer upgrade$1,100–$1,700/yr
A mid-market Class C in Texas lands squarely at the national Class C average. Adding agreed-value coverage pushes toward $1,300, while a liability-only trim brings it under $500.
2Full-time Class A diesel pusher, $400k coach, retired couple, FL
Inputs
RV classClass A (diesel pusher)
RV value$300,000+
Use typeFull-time
Driving experienceExperienced (5+ yrs)
Coverage levelPremium agreed-value
ZIP32801 Orlando, FL
Result
Typical annual quote$3,800 – $4,500/yr
Full-timer uplift+25–35% vs seasonal
Agreed-value rider+15–20% over standard
Full-time use on a high-value diesel pusher in Florida stacks three premium factors: class (Class A), value ($300k+), and full-timer. Experienced-driver discount of 10-15% prevents it from exceeding the sanity ceiling.
A used entry-level travel trailer in a low-cost rural ZIP sits at the absolute floor of the sanity range. Liability-only is rational here because comprehensive claims rarely recover more than the trailer's depreciated value.
Formulas Used
RV insurance annual premium driver breakdown
Annual premium = Class base rate × Value factor × Use-type factor × Driver factor × Coverage factor × Region factor
RV insurance premium is anchored on class base rate. RV value positions within the class band, use-type and coverage level layer multiplicative surcharges, driving experience adjusts ±25%, and ZIP region applies a final 0.85-1.25x factor.
Where:
Class base rate= Travel trailer ~$450; 5th wheel ~$900; Class B ~$900; Class C ~$800; Class A gas ~$1,200; Class A diesel ~$3,000 (US avg, 2026)
Value factor= Under $25k 0.7x; $25k-$75k 0.9x; $75k-$150k 1.0x; $150k-$300k 1.3x; $300k+ 1.6–2.0x
Driver factor= New driver 1.15–1.25x; some experience 1.0x; experienced clean 5yr 0.85–0.95x
Coverage factor= Liability-only 0.35x; standard 1.0x; premium agreed-value 1.15–1.25x
Region factor= Rural Midwest 0.85x; suburban 1.0x; CA/FL/TX/MI metros 1.15–1.25x
RV Insurance Cost in 2026: What Class A, Class C, and Trailer Owners Actually Pay
1
Summary: What RV Insurance Actually Costs in 2026
US RV insurance in April 2026 averages $450/yr for travel trailers, $600-$1,000/yr for Class C motorhomes, $600-$1,500/yr for Class B camper vans, $500-$2,500/yr for 5th wheels, and $1,000-$4,500/yr for Class A motorhomes according to published 2024-2026 rate data from Progressive, Good Sam, National General, Roamly, and HomeGuide. Progressive's 2024 average for travel trailers was $594/yr; motorhome coverage averaged $1,052/yr. The Class A band splits sharply between gas coaches ($1,000-$1,500/yr) and diesel luxury pushers ($3,000-$4,000/yr), driven almost entirely by coach value. Full-time RVers — those using the RV as their primary residence — pay 20-40% more than seasonal users because the carrier structures the policy more like homeowner insurance, with personal liability, contents coverage, and emergency living expense added.
Pricing is driven by six variables ranked by impact: RV class, RV value within that class, use type (full-time vs seasonal), driving experience, coverage level, and ZIP code. Class is the single largest driver because coach values and claim patterns differ 10x between a $15k used travel trailer and a $400k diesel pusher. Value positions your quote within the class band — a $25k travel trailer versus a $75k triple-slide trailer sit at opposite ends of the $300-$600 travel-trailer range. Full-time use adds 20-40% uplift across every class. Pair this estimator with the RV loan calculator to see how insurance premium combines with principal and interest into your true monthly cost of RV ownership, and the RV depreciation calculator to project when agreed-value coverage stops being economic.
Typical 2026 US RV insurance annual premium by class, value, and coverage tier. Source: Progressive (2024 avg), Good Sam, National General, Roamly, HomeGuide (2026).
Class + Value
Liability-Only
Standard Comprehensive
Full-Timer / Premium
Travel trailer — under $25k (used)
$125–$200/yr
$300–$450/yr
n/a
Travel trailer — $25k–$75k (new mid)
$200–$300/yr
$450–$700/yr
$700–$1,000/yr
5th wheel — $50k–$100k (mainstream)
$250–$400/yr
$600–$1,200/yr
$1,000–$1,800/yr
5th wheel — $150k+ (luxury triple-slide)
$400–$600/yr
$1,500–$2,500/yr
$2,200–$3,200/yr
Class B camper van (Sprinter conversion)
$250–$500/yr
$600–$1,500/yr
$1,300–$2,200/yr
Class C motorhome (cab-over, $75k-$150k)
$300–$500/yr
$600–$1,000/yr
$1,100–$1,700/yr
Class A gas coach ($100k-$200k)
$400–$700/yr
$1,000–$1,500/yr
$1,700–$2,600/yr
Class A diesel pusher ($250k-$500k+)
$600–$900/yr
$2,500–$4,000/yr
$3,500–$5,000/yr
If a carrier quotes $1,500+/yr for a sub-$25k used travel trailer in a low-cost ZIP, it is almost certainly over-priced — that is Class B / Class C territory. Re-quote with Progressive, Good Sam (as a broker), and one regional agency before locking in. A 25-35% spread between carriers on identical coverage is routine.
2
RV Class Explained: Travel Trailer, 5th Wheel, Class A, B, C
The first pricing decision is RV class, and it drives 60-70% of your final premium. Travel trailers and 5th wheels are non-motorized — they attach to your existing tow vehicle, so the trailer itself has no engine, no transmission, and usually no chassis liability outside the tow scenario. That is why travel-trailer insurance is the cheapest band in the market at $300-$600/yr: the policy only covers the trailer, not driving the trailer. 5th wheels price higher because their values are higher (commonly $50k-$200k for a new triple-slide) and their catastrophic claim profiles — rollover, tow-hitch failure, brake fire — are more expensive per event. A 5th-wheel policy commonly runs $500-$2,500/yr depending on value and use pattern.
Class B camper vans are the motorized micro tier — converted Mercedes Sprinters, Ford Transits, and Ram ProMasters. They drive like SUVs, park like minivans, and insure accordingly at $600-$1,500/yr. Conversion quality matters: a professional Winnebago Revel or Airstream Interstate carries a factory build underwrote by any major carrier, while a DIY conversion may need a specialty policy through Roamly or Foremost because mainstream carriers decline un-inspected builds. Class C motorhomes are the mid-size tier — truck-chassis based, cab-over sleeping area, typically 24-32 ft. They insure at $600-$1,000/yr for mass-market values in the $75k-$150k range. Class A motorhomes are the full-size bus tier. Gas-chassis Class A coaches at $100k-$200k insure at $1,000-$1,500/yr. Diesel-pusher Class A coaches at $250k-$500k+ insure at $2,500-$4,000/yr and drive the entire top end of the RV insurance market.
Class choice also affects which carriers will even quote you. National General offers Purchase Price Guarantee on Class A and Class C only; Roamly specializes in Class B and DIY conversions; Good Sam brokers everything but wins most on the full-timer side. If you own a highly specialized build — a toterhome, a schoolie conversion, a bespoke vanlife rig — you will get 2-3 carriers willing to quote instead of the usual 6-8. Match your tow-vehicle choice to your trailer weight with the RV towing calculator before locking in insurance, because over-tow scenarios trigger policy exclusions that can void a claim entirely.
Class B camper van (Sprinter, Transit, ProMaster): $600-$1,500/yr
Class C motorhome (truck-chassis, cab-over): $600-$1,000/yr
Class A gas motorhome: $1,000-$1,500/yr
Class A diesel pusher (luxury): $2,500-$4,000/yr+
DIY conversions often need Roamly or Foremost specialty policy
3
Seasonal vs Full-Time RV Insurance — Why the 30% Uplift Is Real
Seasonal RV insurance covers recreational trip-based use: weekends, vacations, snowbird travel with a fixed home address. It excludes liability claims that happen while the RV is being used as a residence. That sounds narrow, but it is the exact carve-out that full-timers cannot afford. If a guest slips at your campsite and sues, a recreational policy can deny the claim on the basis that the RV was being lived in, not camped in. Full-timer policies close that gap by adding personal liability ($100k-$500k), medical payments to guests ($5k-$10k), personal contents coverage ($10k-$30k for clothing, electronics, tools), and emergency living expenses that cover hotel or rental during a covered repair. The 20-40% premium uplift is buying all of this, plus slightly longer consent-to-occupy definitions that avoid mid-trip exclusions.
The decision is binary: if the RV is your primary residence — meaning you do not have another dwelling you return to in between trips — you need a full-timer policy, full stop. A regular recreational policy will either deny a major claim when it discovers the residency pattern or non-renew at the first renewal cycle. If you snowbird 3-6 months per year and maintain a home address, a seasonal policy plus homeowner coverage is sufficient. The gray zone is 6-9 months on the road: carriers treat that as full-timer in most states. Good Sam, Progressive, and National General all offer explicit full-timer endorsements; some regional carriers do not write full-timer at all, so the available-carrier pool shrinks by roughly half for full-timers.
Inside a full-timer policy, the two riders worth negotiating hardest are personal liability limits and emergency living expense. Most base policies offer $100k personal liability; upgrading to $300k-$500k typically adds $100-$250/yr and is the single highest-value upgrade in RV insurance because any guest-injury suit in the US easily exceeds the base limit. Emergency living expense should cover at least 30 days at a hotel or short-term rental; it is genuinely needed during a total-loss scenario while a replacement RV is ordered. Pair the premium decision with the RV loan calculator to understand whether the full-timer premium plus loan payment still fits your target housing budget — on a $200k diesel pusher, full-timer insurance can add $1,000/yr to ownership cost.
If you are unsure whether you qualify as full-time, carriers apply a simple test: do you have a dwelling you return to between trips? If the answer is "no, the RV is it," you are full-time. Misrepresenting this to save on premium is policy fraud and voids coverage retroactively on any claim — not worth the $500-$1,500 annual savings.
Seasonal: weekends + vacations, fixed home address, NO full-timer rider
Full-timer: RV is primary residence, adds homeowner-style liability
Gray zone: 6-9 months on road — most carriers treat as full-timer
Key rider: personal liability $100k → $500k (+$100-$250/yr, highest ROI)
Key rider: emergency living expense — 30 days minimum at hotel/rental
Carrier pool for full-timers is ~50% of seasonal pool
Never run a full-timed RV on a recreational-only policy — claim denial risk
4
The Six Pricing Levers That Determine Your Quote
Beyond class, six levers drive the final quote. RV value is the first and biggest — within a class band, value alone swings the premium 2-4x. A $25k used Class C insures at ~$600/yr while a $150k new Class C runs $1,000-$1,400/yr at the same coverage tier. Use type is the second: seasonal baseline, full-timer +20-40% across every class. Driving experience is third — a clean 5+ year RV-driving record earns 5-15% off; a new driver or first-time RV owner pays 15-25% more; a DUI or at-fault accident in the last 3 years adds 25-50% or triggers non-renewal at Progressive, National General, and Allstate.
Coverage level is fourth — liability-only trims the premium to roughly 35% of standard comprehensive; agreed-value or total-loss-replacement adds 15-25% on top of standard. ZIP / region is fifth: California, Florida, Texas, Louisiana, and Michigan run 15-25% above the national average due to weather, traffic, and theft rates; rural Plains and Midwest states run 10-20% below. Storage location is sixth and often overlooked — enclosed gated storage earns 10-25% off vs an open driveway, and some carriers will decline to write comprehensive on a street-parked unit in high-theft ZIPs. If you are still in the buying phase, use the RV depreciation calculator to project when your unit drops below the agreed-value threshold, because most carriers require the RV to be under 5 years old for agreed-value and under 1 year for total-loss-replacement.
If you are shopping RVs, quote insurance on your top 2-3 choices BEFORE buying. Insurance spread between a $110k gas Class A and a $170k diesel Class C can exceed $1,500/yr — comparable to 3-5 years of loan interest. Two hours of quote comparison often out-earns two days of price negotiation on the RV itself.
RV value within class: 2-4x swing, biggest single lever
Use type: seasonal 1.0x, full-time 1.2-1.4x
Driving experience: -15% clean veteran to +25% first-time
Coverage: liability-only 0.35x, standard 1.0x, premium 1.15-1.25x
Storage: enclosed gated -10-25%, street-parked sometimes declined
DUI / at-fault in 3yr: +25-50% or non-renewal
5
Progressive vs Good Sam vs National General vs Roamly
The five carriers that dominate the US RV insurance market each optimize for a different buyer. Progressive is the biggest direct writer at $600-$1,500/yr on mass-market trailers and Class C coaches, with an easy online quote, generous DIY-conversion underwriting, and the strongest national footprint. Its weakness: full-timer pricing runs above Good Sam for high-value coaches, and claims handling skews slow on complex motorhome total-loss events. Good Sam Insurance Agency is a broker, not a carrier — it places policies through Progressive, SafeCo, Foremost, and National General. Its edge is full-timer packaging (it invented the modern full-timer endorsement), Good Sam Club membership discounts, and a claims liaison that often outperforms going direct. Its weakness: broker markup on simple recreational policies, so Progressive direct often beats Good Sam on a travel-trailer quote.
National General stands out for its 9-year Purchase Price Guarantee on Class A and Class C motorhomes. Most carriers cap agreed-value or replacement-cost at 5 years; National General reimburses the original purchase price for 9 model years on those classes, which is worth hundreds to thousands if you total a 7-year-old coach. Its weakness: does not quote travel trailers or 5th wheels, and DIY conversions are routinely declined. Roamly is the niche specialist for Class B camper vans, DIY conversions, and peer-to-peer RV rental through Outdoorsy. It prices 10-20% lower than mainstream carriers for Sprinter and Transit conversions and is often the only carrier that will write DIY builds without a factory inspection. Foremost (a Farmers subsidiary) runs competitively on 5th wheels and higher-value trailers and is the Good Sam fallback when Progressive declines. Always quote at least three carriers on identical deductible, coverage, and liability limits — spread of 20-35% is routine. Also cross-check the RV shipping cost calculator if buying out-of-state: in-transit coverage is a separate policy that mainstream insurance excludes entirely.
Progressive: $600-$1,500/yr, direct writer, DIY-friendly, biggest footprint
Good Sam: broker of 4 carriers, best full-timer packaging, GSC discounts
National General: 9-year Purchase Price Guarantee on Class A/C only
Roamly: Class B / DIY conversion specialist, Outdoorsy rental compatible
Foremost: strong on 5th wheels, Good Sam fallback carrier
USAA: military member pricing, often cheapest when eligible
Quote 3 carriers on IDENTICAL coverage — 20-35% spread is routine
6
Red Flags, Discounts, and the Six-Step Buying Process
RV insurance has fewer bait-and-switch traps than auto warranties, but six red flags should end any enrollment. First, a carrier that refuses to put the agreed-value or purchase-price-guarantee amount in writing on the declarations page — marketing PDF is not the contract. Second, a policy that excludes continuous-occupancy beyond 150 consecutive days without a full-timer endorsement — weekend campers rarely hit this, full-timers hit it constantly. Third, a carrier that charges a separate roadside-assistance premium without disclosing that Good Sam Club or AAA already cover it. Fourth, policy language that excludes all damage during commercial use, including platform rentals (Outdoorsy, RVshare) — this is a legitimate exclusion but must be disclosed. Fifth, an age cap that voids collision and comprehensive at 15 or 20 years — older RVs have their coverage quietly dropped at renewal. Sixth, DIY-conversion exclusion language that voids the policy retroactively if an uninspected upfit is discovered.
Comparison shopping saves 20-35% on identical coverage. Get three quotes: Progressive (direct, cheapest mass-market), Good Sam (full-timer and multi-policy), and one specialty (National General for Class A/C purchase-price-guarantee, Roamly for Class B/DIY). Use the same liability limit, same deductible, same agreed-value election, and same full-timer rider (if applicable) across all three — otherwise the comparison is meaningless. Six discounts stack: bundling with auto/home (10-25%), enclosed storage (10-25%), RV safety course from RV Driving School or Good Sam University (5-10%), paid-in-full (3-10%), multi-year loyalty (3-8%), and anti-theft device (3-5%). Stacking all six routinely cuts 30-45% off the initial quote. A six-step process cuts the typical first-quote price 20-30% and eliminates most coverage-gap risk: decide seasonal vs full-timer; pick coverage tier (liability-only vs standard vs agreed-value); set deductible and liability limits; quote three carriers on identical terms; read the actual policy PDF; enroll before the pickup date or title transfer so there is no coverage gap on day one.
One final line item every buyer underestimates: annual price increases. Every mainstream US RV insurer raises premiums each year — partly because RV repair cost inflation ran 6-10% annually through 2024-2026, and partly because claim frequency climbed as the total RV fleet grew. A policy quoted at $900/yr on a 2-year-old Class C may be $1,300-$1,500/yr by the seventh year even with zero claims filed. Ask the agent to email the insurer's last three years of historical rate-increase percentages; the printed answer tells you more about lifetime premium than any first-year sticker price. If you are carrying financing, keep the RV loan calculator bookmarked alongside this estimate — loan payment plus insurance premium plus fuel together represent 70-85% of recurring RV ownership costs, and trimming any single category rarely offsets a 10% rate hike across all three.
If you are buying a used RV with existing liens, get insurance quotes BEFORE signing the purchase agreement. Lender-required coverage tiers (often agreed-value with $250 deductible) can add $300-$800/yr vs a cash buyer's preferred tier — and that changes your monthly carrying cost materially. Never skip insurance-quote comparison in the purchase negotiation.
Red flag: carrier will not put agreed-value amount on declarations page
Red flag: continuous-occupancy cap (e.g. 150 days) on seasonal policy
Red flag: undisclosed commercial-use exclusion (Outdoorsy, RVshare)
Red flag: age cap voiding collision/comp at 15-20 years
Red flag: DIY-conversion retroactive-void language
Quote 3 carriers on IDENTICAL terms — 20-35% spread typical
1
Decide seasonal vs full-timer
RV as primary residence = full-timer mandatory. Home address + weekend camping = seasonal. 6-9 months on road + no home = treated as full-timer by most carriers.
2
Pick the coverage tier
Liability-only for paid-off older trailers. Standard comprehensive as the mass-market default. Add agreed-value or total-loss-replacement if RV is under 5 years and lender requires it.
3
Set deductible and liability limits
Deductible $500 baseline, $1,000 cuts premium 10-20%. Liability $100k minimum, $300-$500k strongly recommended for full-timers and high-traffic states.
4
Get quotes from 3 carriers on IDENTICAL coverage
Progressive + Good Sam + (National General OR Roamly). Same deductible, same liability limit, same agreed-value election, same full-timer rider. 20-35% spread is routine.
5
Read the actual policy PDF
Verify agreed-value declarations, continuous-occupancy limits, commercial-use exclusions, age caps, and DIY-conversion language. No PDF = no signature.
6
Enroll BEFORE pickup or title transfer
Any gap between title transfer and policy effective date leaves you liable for any loss. Same-day binding is routine with Progressive and Roamly if you have the VIN and payment method ready.
This calculator is provided for informational and educational purposes only. Results are estimates and should not be considered professional financial, medical, legal, or other advice. Always consult a qualified professional before making important decisions. UseCalcPro is not responsible for any actions taken based on calculator results.