How much does RV insurance cost in Georgia?

In Georgia, a towable RV (travel trailer, fifth wheel, or pop-up) typically costs about $200 to $700 a year to insure, while a motorhome you drive usually runs about $1,000 to $3,000 a year. Where you land depends mostly on the RV’s class, value, how often you use it, whether you live in it full time, and the coverages you add.

Does Georgia require RV insurance?

It depends on whether your RV has an engine. The Georgia Department of Revenue requires owners to maintain continuous insurance on any vehicle with an active registration. A motorhome (Class A, B, or C) is self-propelled, so it must carry at least Georgia’s minimum auto liability limits: $25,000 per person and $50,000 per crash for bodily injury, plus $25,000 for property damage (25/50/25), among the lower minimums in the country. See Georgia’s minimum auto liability limits for the full breakdown. A towable RV has no engine, so Georgia does not require it to carry its own liability policy. Liability follows the towing vehicle while connected. Unhitch at a campsite and that protection stops, and your auto liability never pays to repair the trailer itself.

How much does RV insurance cost by class?

• Towable RVs: about $200-$700/year. No engine, lower values.
• Class B camper vans: about $800-$1,500/year. Smaller motor vehicle, still needs full auto liability.
• Class C cab-over motorhomes: about $1,000-$2,000/year. Mid-size family choice; liability plus comp and collision on a $40,000-$120,000 vehicle.
• Class A bus-style: about $1,500-$3,000+/year. Heaviest, most valuable; luxury coaches top $300,000.

These are planning ranges, not quotes. The biggest factors that move premiums are class and value, recreational vs. full-time use, stored vs. on the road, driving record for motorhomes, and the specific coverages chosen.

What coverages should a Georgia RV owner consider?

• Liability: required on anything self-propelled.
• Comprehensive: hail, fire, falling limbs, flood, theft (the one Georgia owners lean on most).
• Collision.
• Total-loss replacement: pays purchase price or agreed value rather than depreciated actual cash value after depreciation is applied.
• Full-timer’s coverage: home-style liability plus personal property for full-time RVers.
• Roadside and emergency expense: towing a heavy rig is not a standard car tow.

Why does Georgia weather and theft affect RV insurance cost?

The National Weather Service office covering north and central Georgia records, on average, about 19 days of damaging thunderstorm winds, 7 days of large hail, and 6 tornado days every year, peaking March through May. Those are exactly the losses comprehensive coverage is built for. Tropical systems reach inland Georgia too: Hurricane Helene produced more than 57,400 federal flood insurance claims totaling over $4.5 billion across the Southeast, including Georgia. See why flood is excluded from standard property policies and what covers it. Theft is real exposure as well: 28,171 vehicles were reported stolen in Georgia in 2023, up about 6% and 9th-highest in the nation by volume.

Recreational or full-time: which RV insurance do you need?

• For example, a $35,000 Class C used four weekends a year needs liability plus comp and collision, stored most of the year, for roughly $1,000-$1,500 a year.
• For example, a $250,000 Class A lived in full time needs full-timer’s coverage, higher limits, and total-loss replacement, at several times that cost.

Underinsuring a full-time rig is the most common and most expensive mistake: a total loss can wipe out both your vehicle and your home at once.

Start a free coverage review with Olive Cover, the consumer brand of Olive Insurance Services, LLC, an independent property and casualty agency in Johns Creek. We compare RV options across the carriers available through us and tailor coverage to how you actually use your rig.