If you own an RV, boat, or powersports vehicle, you’ve likely noticed your insurance premiums creeping up. According to recent motor insurance trends, 2025 is shaping up to be another year of rising rates across the board. From seasonal recreation vehicles to weekend adventure gear, owners are paying more to protect what they love.
At Happy Camper Insurance, we specialize in coverage for recreational vehicles—and we’re tracking the trends so you can stay ahead. Here’s what’s driving up premiums and what you can do to keep your costs down.
What’s Fueling the Rise in Insurance Costs?
1. Higher Repair and Replacement Costs
The price of parts, labor, and specialized equipment has steadily increased over the last few years. Whether it’s a cracked fiberglass hull, damaged slide-out, or side-by-side bodywork, claims are simply more expensive to settle—especially for larger or custom vehicles.
2. Weather-Related Claims
Severe storms, wildfires, and flooding events are happening more often—and hitting more regions. These disasters can quickly lead to widespread damage for RVs stored outdoors, boats moored during storm surges, or ATVs caught in flooding. Insurers raise rates to offset growing claim volume in high-risk regions.
3. State Regulations & Coverage Requirements
Insurance is regulated by each state, and several have recently raised minimum coverage requirements. Even if you rarely use your vehicle, you may now be required to carry more liability or comprehensive protection, which directly increases your premium.
4. More Claims, Fewer Carriers
A surge in claims has driven some carriers out of specialty insurance markets altogether. That means fewer options and less competition—especially for high-value assets like Class A RVs or performance watercraft. The reduced marketplace often leads to higher premiums from the remaining providers.
5. Increased Use of Recreational Vehicles
More people are hitting the road and water. Post-pandemic travel habits have led to a boom in RV and boat ownership. Increased usage means increased exposure to risk—and a higher likelihood of accidents or incidents that lead to claims.
How to Stay Ahead of the Curve
While you can’t control national motor insurance trends, you can take action to keep your costs under control:
- Bundle Your Coverage: Combine RV, boat, home, or auto policies to unlock discounts.
- Shop Around: Premiums vary widely between providers, especially for specialty vehicles.
- Storage and Usage Discounts: Ask about seasonal coverage or reduced rates if your vehicle is stored part of the year.
- Security and Safety Features: GPS trackers, security alarms, and driver safety courses can all lower premiums.
- Work with a Specialist: Not all insurance agents understand the nuances of recreational vehicles. Choose one who does.
Let Happy Camper Insurance Find the Right Fit for You
Navigating today’s motor insurance trends doesn’t have to be overwhelming. At Happy Camper Insurance, we make it easy to compare coverage options, uncover discounts, and find a policy that fits your lifestyle and budget. Whether you’re hitting the open road, launching your boat, or powering through trails, we’ve got you covered.
Let us do the shopping for you—so you can focus on the adventure ahead. Contact us today to get started.
