If you’re shopping for a motorhome, one of the first questions you’ll ask is:
“How much does motorhome insurance cost?”
The answer depends on several factors, including:
- Type of motorhome
- Vehicle value
- Driving history
- Storage location
- Coverage selections
- How often you use it
In Orange County and throughout California, motorhome insurance can range anywhere from a few hundred dollars per year to several thousand dollars annually.
At Starwest Insurance Services, we’ve helped RV and motorhome owners find affordable coverage since 1995.
No Broker Fees Since 1995
What Is a Motorhome?
A motorhome is an RV with its own engine and drivetrain.
Unlike a travel trailer or fifth wheel, a motorhome is driven rather than towed.
Motorhomes are generally classified into:
Class A Motorhomes
Large luxury coaches.
Examples:
- Tiffin
- Newmar
- Fleetwood
- Winnebago Journey
Class B Motorhomes
Camper vans.
Examples:
- Winnebago Revel
- Roadtrek
- Airstream Interstate
Class C Motorhomes
Mid-sized RVs with overhead sleeping areas.
Examples:
- Jayco
- Thor
- Coachmen
- Winnebago
Average Motorhome Insurance Costs in California
Class B Camper Van
Estimated Range:
$500 – $1,500 per year
Class C Motorhome
Estimated Range:
$800 – $2,500 per year
Class A Motorhome
Estimated Range:
$1,500 – $5,000+ per year
Luxury diesel pushers may cost even more.
What Factors Affect Motorhome Insurance Rates?
Motorhome Value
Generally:
Higher Value RV = Higher Premium
Examples:
- $50,000 RV
- $150,000 RV
- $500,000 Luxury Coach
Each presents different insurance exposures.
Driver Age & Experience
Insurance companies typically favor:
✅ Experienced Drivers
✅ Clean Driving Records
✅ Claims-Free History
Driving Record
Rates may increase for:
- Accidents
- Speeding Tickets
- DUI Violations
- License Suspensions
Storage Location
Where you keep your motorhome matters.
Examples:
Lower Risk
- Enclosed Storage
- Secured RV Facility
- Private Garage
Higher Risk
- Street Parking
- Unsecured Lots
- High-Theft Areas
Annual Mileage
Many RV owners drive:
- Seasonal Trips
- Weekend Trips
- Vacation Travel
Lower annual mileage may help reduce premiums.
What Does Motorhome Insurance Cover?
Liability Coverage
Protects you if you cause:
- Bodily Injury
- Property Damage
California minimum limits may not be enough for many RV owners.
Many drivers choose:
- 100/300/100
- 250/500/100
- Umbrella Coverage
Collision Coverage
Pays for damage to your motorhome after an accident.
Comprehensive Coverage
Protects against:
- Theft
- Fire
- Vandalism
- Falling Objects
- Storm Damage
Uninsured Motorist Coverage
One of the most valuable coverages in California.
Protects you if an uninsured driver causes an accident.
Medical Payments Coverage
Helps cover medical expenses regardless of fault.
Full-Time RV Insurance vs Recreational Use
Insurance companies typically ask:
Is the RV used recreationally?
OR
Do you live in it full-time?
Full-time RVers may require additional protections similar to homeowners insurance.
Coverage can include:
- Personal Liability
- Personal Belongings
- Emergency Expenses
- Vacation Liability
What About Personal Belongings?
Many RV owners carry:
- TVs
- Laptops
- Camping Equipment
- Generators
- Tools
- Outdoor Furniture
Specialized RV policies may help protect these items.
Common Motorhome Insurance Discounts
You may qualify for:
Multi-Policy Discounts
Bundle:
- Auto Insurance
- Home Insurance
- Motorcycle Insurance
Safe Driver Discounts
Paid-in-Full Discounts
Storage Discounts
Low-Mileage Discounts
Orange County RV & Motorhome Owners
We help motorhome owners throughout:
- Anaheim
- Huntington Beach
- Irvine
- Westminster
- Garden Grove
- Fullerton
- Orange
- Yorba Linda
- Costa Mesa
- Newport Beach
- Mission Viejo
- Laguna Niguel
Whether you’re planning weekend camping trips or cross-country adventures, proper insurance protection is essential.
Frequently Asked Questions
Is motorhome insurance required?
Yes.
California requires liability insurance for motorhomes operated on public roads.
Is motorhome insurance expensive?
It depends on:
- Vehicle value
- Driver history
- Coverage selections
- RV class
Many RV owners are surprised by how affordable coverage can be.
Does my auto insurance cover my motorhome?
No.
Motorhomes generally require their own policy.
Does motorhome insurance cover personal belongings?
Often yes, depending on the policy.
Can I bundle my motorhome with my auto and home insurance?
In many cases, yes.
Bundling may provide valuable discounts.
How Can I Lower My Motorhome Insurance Costs?
Compare Multiple Carriers
Maintain a Clean Driving Record
Increase Deductibles
Bundle Policies
Store the RV Securely
Ask About Available Discounts
Why Motorhome Owners Choose Starwest Insurance
✅ No Broker Fees Since 1995
✅ Multiple RV Insurance Companies
✅ Class A, B & C Motorhome Coverage
✅ Full-Time RV Options
✅ Personal Service
✅ Local Southern California Agency
In a world filled with online quotes and call centers, we still believe in providing personalized advice and local service.
Get a Free Motorhome Insurance Quote Today
Whether you own a Class A luxury coach, Class B camper van, or Class C motorhome, we’ll help you compare options and find the right protection.
Starwest Insurance Services, LLC
James C.Q. Banh
13752 Goldenwest St.
Westminster, CA 92683
📞 (714) 893-7271
🌐 https://www.starwestinsurance.com
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