Last updated: March 2026
How Much Does Camper Insurance Cost?
Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| Pop-Up/Folding Camper Insurance (monthly) | $0 – $0 | $25 – $50 |
| Travel Trailer Insurance (monthly) | $0 – $0 | $50 – $125 |
| Fifth-Wheel Camper Insurance (monthly) | $0 – $0 | $75 – $200 |
What Affects the Cost
- Your age, location, and health status
- Coverage level and deductible chosen
- Provider or carrier
- Claims history
- Credit score (for some insurance types)
- Discounts available (bundling, loyalty, safe driver, etc.)
Insurance Coverage
Typical coverage: Camper insurance covers truck campers, pop-up campers, and travel trailers. Coverage includes collision, comprehensive, liability, and personal belongings inside the camper.
Insurance costs vary widely based on coverage level, location, age, and claims history. Shopping around and comparing quotes is the single most effective way to save money on insurance premiums.
How to Save Money
- Compare quotes from at least 3-5 providers
- Bundle policies (home + auto) for 10-25% discounts
- Choose higher deductibles for lower monthly premiums
- Ask about all available discounts
- Review coverage annually during open enrollment
- Consider employer-sponsored plans which subsidize 50-80% of premiums
Related Procedures & Costs
Frequently Asked Questions
Camper insurance costs $50 to $200 per month depending on camper type and value. A travel trailer averaging $25,000 costs about $750 to $1,500 per year to insure.
Liability insurance is required in most states for campers used on public roads. Lenders require full coverage for financed campers. Stored-only campers may need only comprehensive coverage.
It covers collision, comprehensive (theft, weather, fire), liability, medical payments, personal belongings, and optional full-timer coverage for those who live in their camper.