How to Lower Your RV Insurance Premiums in 2025 

Owning a recreational vehicle (RV) can be a gateway to endless adventures and the freedom to explore at your own pace. However, the cost of insuring your RV can sometimes put a damper on your travel plans. In 2025, there are several effective strategies you can employ to lower your RV insurance premiums to help you enjoy the open road without breaking the bank.

Ways to Lower RV Insurance Costs

The following are some effective strategies to lower your RV insurance premiums:

• Maintain a clean driving record. Your driving record can influence insurance premiums. Steering clear of accidents and traffic violations can help maintain lower rates. Taking a defensive driving course may also lower your insurance costs.

• Bundle your policies. Purchasing multiple insurance policies from one provider can result in potential savings.

• Take an RV safety course. Completing an RV-specific safety course can result in lower premiums. These courses often cover essential skills and safety measures for operating an RV.

• Install security devices. Adding anti-theft devices, GPS trackers and alarm systems can make your RV less attractive to thieves. Insurance providers often offer discounts for these security enhancements.

• Store your RV properly. Where you store your RV can affect your insurance rates. Using covered or indoor storage can reduce the risk of damage and theft, potentially lowering your premiums. Inform your insurer if you store your RV in a secure facility to qualify for discounts.

Learn More

For RV insurance near you, contact Legacy Insurance.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.