If you’re in the market for affordable RV insurance, it’s important to understand what’s included—and what might be missing. One key component many RV owners overlook is collision coverage. While not legally required in most states, collision insurance can play a big role in protecting your motorhome, camper, or travel trailer from costly accident-related damage. And yes, it can still be part of an affordable policy.
At Happy Camper Insurance, we help RVers across the country build the right coverage plan without overspending. Here’s what collision insurance actually covers, how much it costs, and whether it’s the right fit for your travel lifestyle.
What Does Collision Insurance Cover for RVs?
Collision insurance pays to repair or replace your RV if it’s damaged in an accident—regardless of who’s at fault. It covers situations like:
- Crashing into another vehicle
- Backing into a pole or sign
- Driving into a ditch
- Sideswiping a barrier
- Rolling over on sharp turns
This coverage protects your RV even in single-vehicle accidents—something liability-only policies won’t do.
What Collision Insurance Doesn’t Cover
While collision insurance is crucial for accident damage, it doesn’t cover non-collision-related events. For those, you’ll need comprehensive coverage, which protects against:
- Theft or vandalism
- Hitting animals
- Fire or natural disasters
- Falling branches or flying debris
- Weather events like hailstorms or flooding
Together, collision and comprehensive insurance form the backbone of a full coverage RV policy.
Is Collision Insurance Required?
Collision insurance isn’t required by law, but it may be required by your lender if:
- You financed your RV
- You’re leasing the vehicle
- Your RV is classified as a motor vehicle (Class A, B, or C) and driven on public roads
Even without a lender requirement, collision insurance is a smart option for RVers who travel often or want to avoid high out-of-pocket repair costs.
How Much Does RV Collision Coverage Cost?
The cost depends on several factors:
- The size, type, and class of your RV
- Your driving history
- How often you use the RV
- Your chosen deductible
Adding collision coverage to your RV insurance plan may increase your premium by a few hundred dollars per year—but in many cases, it can still be part of a well-rounded and affordable RV insurance policy.
Choosing the Right Deductible
Like most insurance coverage, collision comes with a deductible. Opting for a higher deductible can lower your monthly premium, but it also means more out-of-pocket costs if you have to file a claim. If you drive frequently or park in high-traffic campgrounds, a lower deductible might be a safer bet.
When You Might Not Need Collision Coverage
It may make sense to skip collision insurance if:
- Your RV is older and has low resale value
- You keep it in storage most of the year
- You’re financially able to cover repairs or replacement yourself
But keep in mind: even minor bodywork on an RV can be expensive, so weigh your premium savings against the potential cost of an accident.
Affordable RV Insurance: Final Thoughts
Your RV is more than just a vehicle—it’s your passport to adventure, and it deserves to be protected. Collision coverage can absolutely be part of affordable RV insurance, especially when bundled with the right policy. Whether you’re on the road full-time or just enjoy the occasional weekend getaway, having the right protection in place ensures peace of mind wherever you roam.
Need help finding affordable RV insurance with collision coverage that fits your budget?
Contact Happy Camper Insurance today. We’ll help you compare quotes, customize your policy, and hit the road with confidence—knowing you’re protected, without overpaying.
