If you’re a proud RV owner, or you’re thinking about becoming one in the Sunshine State, a key question on your mind is likely: How much does RV insurance cost in Florida? From budget-friendly travel trailers to luxury motorhomes, understanding RV insurance costs helps you plan your travels and protect your investment. At Amistad Insurance, we’re committed to helping Florida RV owners find the right coverage at the right price.
In this blog, we dive into how much RV insurance typically costs in Florida, factors that affect your premium, and practical tips for getting better rates.
RV insurance is a specialized form of coverage that blends aspects of auto insurance and homeowners insurance for recreational vehicles (RVs). It protects you from financial loss related to:
In Florida, motorized RVs must meet state auto insurance requirements, while towable RVs like travel trailers have different, but still important coverage considerations. Insuranceopedia
There’s no one-size-fits-all answer, but industry data and insurance estimates provide a helpful range based on RV type and coverage level.
Here’s a snapshot of what RV insurance cost in Florida might look like:
Some insurers report average annual premiums around $1,386 for motorhomes and around $841 for travel trailers in Florida.
These ranges depend heavily on the RV’s type, value, and how and where you intend to use it.
Your exact premium depends on several key factors. Understanding these can help you make decisions that reduce your RV insurance cost.
Larger, more expensive RVs like Class A motorhomes typically cost more to insure than smaller Class B or towable trailers.
Are you a full-time RVer or an occasional weekend camper? Policies for full-time use often cost more because of increased exposure to risk.
Florida’s weather—especially hurricane risk, can affect premiums. RVs stored near coastal areas or in high-crime zones may carry higher rates.
Basic liability costs less, but comprehensive and collision coverage, personal belongings protection, and roadside assistance significantly add to your total premium.
A driver with a clean record and few past claims typically earns lower premiums. Conversely, violations or frequent claims raise rates.
While Florida does not require specific RV insurance for trailers not driven on the road, it does require minimum auto insurance for motorized RVs:
These minimums are part of Florida’s general auto liability requirements and apply to motorhomes just as they would to any other vehicle. Keep in mind that these minimum limits may not provide sufficient protection—especially for high-value RVs or larger claims—so many RV owners choose higher coverage limits.
Here are ways to potentially reduce your RV insurance bill:
Combine your RV insurance with auto or homeowners coverage through the same insurer to qualify for multi-policy discounts.
Installing anti-theft devices and storing your RV in secure locations can help lower risk and reduce premiums.
Choosing a higher deductible can lower your annual premium, but make sure you’re comfortable covering that deductible if a claim happens.
Insurance rates change over time, and different insurers offer varying discounts. Annual shopping can help you find a better deal.
At Amistad Insurance, we know Florida roads and weather patterns, and we know how to protect your home-on-wheels. Whether you’re cruising the Keys or exploring the Panhandle, we help you understand your options, find the best coverage for your lifestyle, and uncover discounts that fit your budget.
Call (941) 822-0404 or contact us today to get a personalized RV insurance cost estimate and make sure you’re adequately protected on and off the road.
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No, Florida does not require separate liability insurance for travel trailers that are not motorized, but your tow vehicle’s coverage typically extends to the trailer while it’s being towed.
Yes, many RV insurance policies offer personal property coverage, which can protect appliances, clothing, and gear stored inside. This coverage is optional but helpful.
Some insurance companies offer discounts for association memberships (like Good Sam Club or FMCA), advanced driving courses, or safety equipment, so it’s worth asking your agent.
Yes. Full-time RV policies often cost more because of the constant exposure to risk and increased liability, compared to RVs used only part-time.
