When people think about what impacts their insurance rates, most assume it all comes down to driving history. But for RVs, boats, and powersport vehicles, insurance pricing—just like auto insurance—is influenced by a range of factors. And some of those factors might surprise you.
Where you live, how old you are, and even your credit score can all change what you pay for coverage. That’s why two people with spotless records may pay completely different premiums. And while those factors can have a big impact on costs, there are other, less obvious rating elements that also play a role. One of them? Education level. Understanding these influences helps you shop smarter and find affordable RV insurance that truly fits your needs.
Education and Insurance: What’s the Connection?
Across the country, insurers look at several non-driving factors when calculating premiums. In some states, education level is one of them. The reasoning is based on data that suggests a correlation between higher education and fewer claims filed.
However, the impact is small. On a national level, the difference between having no degree and having a college degree averages just 1.6%—about $36 per year. Advanced degrees like a Master’s or Ph.D. shave off even less, often no more than $3 annually.
That said, in some regions, education plays a bigger role. Washington, D.C., for example, shows over a 5% difference in rates based on education level. States like Missouri, Kansas, and Kentucky also see above-average differences.
Where Education Doesn’t Matter
Not all states allow insurers to factor in education. If you live in California, Georgia, Hawaii, Massachusetts, Michigan, Montana, New York, or North Carolina, your education level won’t affect your RV, boat, or powersport vehicle coverage.
Similarly, states like Vermont and Wyoming may not prohibit the practice, but data shows no measurable difference in rates regardless of education level.
Why Is Education a Factor At All?
Understandably, many drivers—and RV owners—find this controversial. After all, a degree doesn’t make you a safer driver or a more cautious boat operator. But insurers rely on historical data that shows broad trends. Those with higher education levels statistically file fewer claims, which is why some states still allow insurers to include it.
It’s important to note that for these studies, other rating factors like age and credit score are controlled. The data compares drivers of the same age, with similar profiles, where the only variable is education.
Why It Pays to Stay Informed
For most RVers, boaters, and powersport enthusiasts, education won’t make or break your insurance premiums. Still, it’s helpful to know how all these rating factors can add up. And since many other factors—like where you live, how old you are, and your credit history—have a much bigger impact, regularly shopping your rates is a smart move.
By comparing policies and keeping up with your options, you’ll know if you’re getting the best value for your coverage. For RV owners especially, making sure you’ve got the right policy at the right price means more money for road trips, campgrounds, and adventure—not unnecessary insurance costs.
Affordable RV Insurance, Boats, and Powersports Coverage
At the end of the day, education might nudge your premium slightly, but it won’t determine your financial future. The bigger picture is choosing a policy that protects your rig, your toys, and your lifestyle at a fair price.
At Happy Camper Insurance, we specialize in helping RVers, boaters, and outdoor enthusiasts find affordable RV insurance and coverage options that fit their adventures. Whether you’re towing a camper across the country, launching your boat on the weekend, or hitting the trails on your ATV, we’ll help you protect what matters most. Get in touch with the Happy Camper team today to explore policies and discover how affordable RV insurance (and beyond) can keep you covered wherever the road—or water—takes you.
