A motorhome is a motorized vehicle. In most states, you need liability insurance. My liability insurance for my 2004 motorhome is about the same as it is for my 2012 subcompact towed vehicle and my 2012 12-passenger van.
Liability premiums in this state they are regulated by the state on specified risk factors: driving record, location, and number of miles driven on each vehicle. About $90-110 per six months each vehicle in my case, lowest for the subcompact, highest for the van. No moving violations since 1970, no claims for the past 15 years, small city in a rural area.
In my state, all other coverages are optional; we are protecting ourselves against financial loss, have the option to self-insure. I carry comprehensive and collision the car, van and motorhome, but not on my motorcycle which is worth no more than $100. Premiums are again regulated, based on driving record and claims history, "garaged" location, and are scaled to the financial risk, i.e. maximum payout. Semiannually about $70 for the subcompact, $130 each for the van and motorhome (which is down to under $20,000 in value).
A third coverage I carry is "uninsured motorists" to cover medical claims for self and passengers in the event of injury by someone else at fault who cannot pay. That's about $100 semiannually for the small car, a bit less for the two larger vehicles. This coverage was really expensive when I had it for the motorcycle, but dropped it because I have other medical coverage and don't carry passengers.
Are you insuring a $20,000 motorhome, a $50,000 motorhome, a $200,000 mothorhome, or a $2,000,000 motorhome. There will be huge differences in annual premiums for covering values that different.
For my $20,000 motorhome, I am paying about $600 a year for 100/300 liability, comprehensive and collision with high deductibles, and uninsured motorists. If it was the only thing I was insuring with that company, the premiums would be much higher, particularly the liability.
If you are in a "no-fault" state, coverage options and costs may be different, because you are basically required to insure for collision, can't self-insure.
But what I pay is probably meaningless for your situation, because you are in a major metro area with higher risks, and you may be buying something a lot more expensive than what I have. Best way to find it is to go to your insurance agent with a specific vehicle and situation, get a quote.
Tom Test
Itasca Spirit 29B
