Quick Answer
How much does RV insurance cost in Ontario?
The Short Answer
RV insurance in Ontario typically costs between $800 and $2,000 per year for a Class B or Class C motorhome, and $1,500 to $4,000 or more for a large Class A. Because a motorhome is a motor vehicle, it is insured under an auto policy with mandatory liability, accident benefits, and uninsured coverage. Towable trailers are cheaper — often $250 to $800 per year — because they carry the tow vehicle's liability while attached and only need their own physical damage and contents coverage.
The Details
The cost of RV insurance in Ontario depends first on whether the unit is a motorhome or a towable trailer. A motorhome is a licensed motor vehicle insured under an auto policy, so it carries mandatory liability and typically runs $800 to $4,000 or more per year depending on class and value. A towable travel trailer is not a motor vehicle — it borrows the tow vehicle's liability while attached and only needs its own physical damage, contents, and vacation liability, so it is usually far cheaper. Value, class, driving record, and whether you use the RV seasonally or full-time all move the premium.
RV insurance cost is one of the trickiest questions to answer with a single number, because the term “RV” covers two very different things for insurance purposes: a self-propelled motorhome and a towable trailer. They are insured under different types of policy, and they cost very different amounts. Sorting out which one you own is the first step to understanding the price.
Motorhome vs. Towable: The Distinction That Sets the Price
The core difference is propulsion, and it drives everything about how the unit is insured.
A motorhome — Class A, B, or C — drives under its own power and is therefore a motor vehicle under Ontario law. It must be insured on an auto-style policy with the statutory coverages every Ontario vehicle carries: minimum $200,000 third-party liability, accident benefits, and uninsured motorist coverage. Because the motorhome carries full liability on itself, its premium is higher.
A towable trailer — a travel trailer, fifth wheel, or tent trailer — is not a motor vehicle. It is towed property. While it is hitched and moving, it borrows the tow vehicle’s liability coverage, so its own policy only needs to handle physical damage to the trailer, contents, and vacation liability when it is set up and detached. That is why towables are meaningfully cheaper to insure than motorhomes. Our trailer insurance cost guide covers towables in detail.
Typical Price Ranges
Every owner’s situation is different, but the following ranges give general guidance for Ontario RV insurance as of 2026.
| Unit and coverage | Typical annual premium |
|---|---|
| Travel trailer or tent trailer (physical damage + contents) | $250 – $800 |
| Fifth wheel, full coverage | $400 – $1,000 |
| Class B camper van, full coverage | $800 – $1,500 |
| Class C motorhome, full coverage | $1,000 – $2,000 |
| Class A motorhome, full coverage | $1,500 – $4,000+ |
These ranges are broad because the variables interact. A well-equipped Class A diesel pusher can be worth as much as a modest house, and even a smaller Class C can represent $80,000 to $150,000 or more — so a fully-covered large motorhome sits at the top of the range, while a modest towable sits near the bottom.
What Determines Your RV Insurance Premium
Beyond the motorhome-versus-towable split, the factors that move the price are:
The class and value of the unit. Replacement value is the largest driver of physical damage premiums. A Class A commands more than a Class C, which commands more than a camper van, because there is more value at risk.
Your driving record — for motorhomes. Because a motorhome is rated like an auto, your driving history, claims record, and experience all feed into the premium the way they do for a car. This does not apply to a towable, which has no driver of its own.
Liability limit. The statutory minimum is $200,000, but most motorhome owners carry $1,000,000 or $2,000,000 given the size and collision severity of an RV. Higher limits add only a modest amount.
How and where you use it. Seasonal use, full-time living, and US travel each affect the policy. Most Ontario RV policies extend to the continental US for a set period, commonly up to 180 days a year.
Seasonal vs. Full-Time Use
How you use the RV shapes both the policy and the price. A seasonal RV — used in the warmer months and stored for winter — can often benefit from a lay-up period that suspends road coverage during storage while keeping fire and theft in place, lowering the annual cost. A full-timer who lives in the RV as a primary residence needs full-timer coverage, which adds home-like liability and contents protection because the unit functions as a home, not a recreational vehicle. Full-timer coverage costs more, but it closes gaps a seasonal recreational policy would leave open.
How to Lower Your RV Insurance Cost
A few practical steps usually reduce the premium:
- Use a seasonal lay-up period to suspend road coverage during winter storage.
- Bundle the RV with your cottage, home, or auto policy for a multi-line discount.
- Raise your deductible if you can absorb a larger out-of-pocket amount on a claim.
- Insure the unit for an accurate replacement value, not an inflated one.
- Keep a clean driving and claims record, which insurers reward — especially for motorhomes.
Because I represent multiple Ontario insurers, I can compare several quotes rather than relying on a single carrier’s rate.
Getting an Accurate Quote
The only reliable way to know what your RV insurance will cost is a quote based on the actual unit and use. Have the year, make, model, class, and VIN ready, along with the unit’s value, where it is stored, whether you use it seasonally or full-time, and — for a motorhome — your driving history.
Call Luca at 705-996-1116 or request an RV insurance quote for coverage tailored to your unit and how you travel.
The figures on this page are illustrative of typical Ontario premiums as of 2026. They are not a quote or an offer of insurance — your actual premium is determined by individual underwriting.
What This Means for You
Related Questions
Is a motorhome insured the same way as a car?
Largely, yes, plus more. An Ontario motorhome is classified as a motor vehicle and requires mandatory auto insurance — minimum $200,000 third-party liability, accident benefits, and uninsured motorist coverage — the same statutory coverages as a car. On top of that, specialty RV policies add contents, emergency expense, vacation liability, and full-timer options that a standard auto policy does not include.
How much cheaper is towable trailer insurance than motorhome insurance?
Considerably. A towed travel trailer carries the tow vehicle's liability while attached, so its own policy only needs to cover physical damage, contents, and vacation liability. That is why a travel trailer often costs $250 to $800 per year, while a motorhome — which must carry full mandatory auto coverage on itself — typically starts around $800 and climbs with class and value.
Does full-time RV living cost more to insure than seasonal use?
Yes. If you live in your RV as a primary residence, you need full-timer coverage, which adds home-like liability and contents protection because the unit is your home rather than a seasonal recreational vehicle. Full-timer policies cost more than seasonal coverage, but they close gaps that a standard recreational RV policy leaves open for someone living aboard year-round.
Can I reduce my RV premium with a seasonal lay-up?
Often, yes. Many Ontario RV owners use their units seasonally, and some insurers offer a lay-up period during winter storage when the RV is not being driven, which reduces the premium. Coverage for fire, theft, and other perils typically remains in place during storage. Confirm the lay-up terms with your broker.
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