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Price of RV Insurance in Quebec in 2026

How much does RV insurance cost in Quebec in 2026? Depending on the type (trailer, motorhome, caravan), value, age, and your profile, the annual premium ranges from $320 to over $3,000. Here are the indicative ranges by type of RV, the factors that increase or decrease your premium, and how to save. Assur360 is an independent comparison platform: the brokers from our AMF certified partner firms compare 9+ specialized insurers for you.

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Indicative Prices by Type of RV in Quebec 2026

Tent Trailer (Pop-up)

Starting at $320/year. Lightweight folding RV, value $8,000-25,000. Moderate premium due to low fire/theft risk.

Teardrop Trailer

Starting at $380/year. Small lightweight trailer, value $12,000-35,000. Rate similar to tent trailer.

Conventional Towable Trailer

Starting at $450/year. Conventional trailer 18-30 feet, value $20,000-80,000. The most popular in Quebec.

Fifth Wheel Trailer

Starting at $580/year. Value often $40,000-150,000. Higher premium due to greater value.

Truck Camper

Starting at $420/year. Mounted on truck, value $25,000-90,000. Moderate rate.

Class B / C Motorhome

Starting at $980/year. Value $60,000-200,000. Includes engine, transmission, road claims.

Class A Motorhome

Starting at $1,600/year. Value $100,000-500,000+. High premium due to value and complexity.

Mobile Home

Starting at $540/year. If stationary, often treated as home insurance. See our dedicated page.

5 Factors That Increase Your RV Premium

1

Value and Age of the RV

A new RV worth $80,000 costs more to insure than a used RV worth $25,000. After 10-15 years, some insurers refuse new policies.

2

Usage: 12 Months or Seasonal

Seasonal use (May-October) = reduced premium. Extended trips to the USA (snowbirds) = premium adjusted based on duration and destination.

3

Region and Storage Location

Storage in a residential yard vs secure warehouse: slight impact on theft/vandalism premium. More rural regions = sometimes lower premium.

4

Driver’s History

Recent auto history (claims, tickets) influences RV premium. Good auto record = good RV premium.

5

Selected Coverages

Replacement cost, high personal effects, USA 180 days, deductible $500 vs $1,000 — each option adds or removes from the premium.

How to Save on Your RV Insurance

Combine auto + home + RV

The multi-product discount ranges from 10% to 25% depending on the insurer. It’s the most profitable savings.

Increase the deductible

Increasing from $500 to $1,000 can reduce the premium by 10% to 15%. Assess according to your financial cushion.

Take advantage of the winter discount

Many insurers offer a discount when the RV is stored from November to March. Ask for it.

Compare every year

Premiums change and insurers adjust their appetite. 1 in 3 clients save by re-comparing at renewal.

Choose the right insurance value

Overvaluing your RV = too expensive premium. Undervaluing = underinsurance after a claim. Get it assessed.

Defensive driving and anti-theft

Anti-theft system installed, RV driving course certificate: some insurers recognize these proofs.

Indicative price ranges — RV Quebec 2026

Average annual premium for a recent RV (≤5 years), driver with no claims, seasonal use in Quebec. The actual price depends on your record — use the comparison platform to get YOUR price.

Type of RVAnnual premium (indicative)Typical valueNote
Tent trailer$320 – $700$8,000 – $25,000Cheapest RV to insure
Mini trailer$380 – $800$12,000 – $35,000Very popular with young families
Conventional trailer$450 – $1,200$20,000 – $80,000Most sold format in QC
Fifth wheel trailer$580 – $1,700$40,000 – $150,000More value = more premium
Towable trailer$420 – $1,000$25,000 – $90,000Often combined with truck
Class B/C motorhome$980 – $2,400$60,000 – $200,000Includes engine and transmission
Class A motorhome$1,600 – $3,800+$100,000 – $500,000+Highest premium
Residential mobile home$540 – $1,400$30,000 – $150,000Often treated like home insurance

Frequently Asked Questions

What is the average price of RV insurance in Quebec?
The average premium for all types is around $700 to $1,200/year. A tent trailer costs from $320/year, while a Class A motorhome can reach $3,800/year and more. The price depends on the type, value, age of the RV, and your profile.
Is RV insurance mandatory in Quebec?
Liability coverage (≥ $50,000, ideally $2M+) is mandatory for any registered RV that operates on public roads. Coverage for the RV itself (fire, theft, collision) is highly recommended and required by financial institutions in case of financing.
Why is my RV insurance more expensive than expected?
Common reasons include: high-value RV, young driver, auto record with recent claims, lack of multi-product bundling, new-for-old coverage included, extended trips to the USA, or simply a company that doesn’t like your type of RV. Comparing 9 insurers often removes these obstacles.
How much does insurance for a towed trailer cost?
For a classic trailer 22-28 feet, valued at $35,000-$60,000, expect to pay between $450 and $1,000/year. The rate decreases if you bundle it with your auto/home insurance with the same insurer.
How much does Class A motorhome insurance cost in Quebec?
For a Class A motorhome valued at $200,000+ used 6 months a year, expect to pay between $1,600 and $3,800/year, with $5M liability coverage, USA coverage for 30-60 days, and new-for-old value. Differences between insurers can reach $1,000/year.
What is the impact of a multi-product discount on RV insurance?
Bundling auto, home, and RV insurance with the same insurer can reduce the RV premium by 10% to 25%. On a $1,200/year RV budget, this represents savings of $120 to $300/year. This is generally the first savings to aim for.
Does the age of the RV increase the insurance price?
Not linearly. A new RV has a high value, thus a high premium. An RV 8-12 years old has a lower premium. After 15-20 years, some insurers refuse new policies or require an inspection.
Does the insurance price decrease if I store the RV for the winter?
Yes, several insurers offer a winter discount (partial suspension of coverage from November to March). The typical savings range from 5% to 15% on the annual premium. Important: the RV must remain insured against fire/theft during winter storage.

Why Choose Assur360

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