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Express Financial & Insurance Services

3222 Santa Monica Blvd
Santa Monica, CA 90404

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What Factors Affect RV Insurance Costs?

Various factors affect the cost of RV insurance. Some are under your control – others aren’t. Greater awareness of how RV insurance costs are determined can help you save money on coverage. Here are some of the main factors that can affect policy costs.

RV Use

How you use your RV will determine the insurance coverage you need and subsequent costs. If you live in your RV year round, you may need more extensive coverage than someone who uses their unit for recreational traveling in the Santa Monica, CA area. Getting the right insurance coverage is essential to protect you and your investment. At Express Financial & Insurance Services, we can personalize your RV insurance to suit your needs at a price you can afford.


The higher your insurance deductible, the lower your premium costs. Before getting a policy with a high deductible, make sure you are financially capable of paying this deductible in the event of a claim. Otherwise, you could be “penny wise and pound foolish” in your decision to raise your deductible to save a few dollars on your premium.    


If you’re not taking advantage of discounts on RV insurance, you could be paying too much for your coverage. Many insurers offer discounts to experienced RV drivers who have a good driving history with few accident claims. Membership in an RV association and multiple insurance policies (car insurance, home insurance) could also qualify you for a discount on your RV insurance policy.

Marital Status/Credit Rating

If you’re married or have good financial standing, your insurer may consider you more responsible and less of a risk of causing an accident. This could qualify you for lower rates on your RV policy.

Contact us at Express Financial & Insurance Services, Santa Monica, CA, to learn more about RV insurance options and costs.