Motorists must purchase North Carolina recreational vehicle insurance if they own and operate a motorhome or RV on public roadways. Like car insurance, proof of recreational vehicle coverage is a requirement before motorists may register a motorhome with the North Carolina Division of Motor Vehicles (NCDMV). Additionally, drivers need to obtain an RV insurance policy before they may legally operate the motorhome on public highways and streets. If motorists do not purchase RV insurance before operating their recreational vehicle, they will receive a traffic citation and driving record demerit points. In addition to these motorhome insurance requirements, there are many benefits to purchasing a recreational vehicle insurance policy from a reputable agent. For instance, RV insurance policies generally provide motorists with benefits that a regular automobile policy does not. Since recreational vehicle coverage is generally more expensive than standard car insurance, it is important to compare RV insurance quotes before purchasing a policy for a motorhome. For additional information on comparing recreational vehicle insurance quotes and rates, review the information below.
North Carolina Recreational Vehicle Insurance Requirements
Motorists must purchase a North Carolina RV insurance policy before they may title and register a motorhome with the NCDMV. Under state law, drivers must provide proof of recreational vehicle coverage when registering their motorhome in the state, just as they would if they were titling a car or truck. Furthermore, RV insurance policies must include the following minimum amounts:
- $30,000 for the injuries of one person (per accident)
- $60,000 for all personal injuries per accident
- $25,000 for all property damages per accident
- $750,000 for commercial vehicles
What is RV insurance in North Carolina and what does it cover?
In addition to meeting the state’s minimum recreational vehicle coverage requirements, RV insurance policies provide motorists with other benefits as well. For instance, an extensive North Carolina recreational vehicle insurance policy often includes total loss replacement, vacation liability, medical payments coverage, replacement cost personal effects, emergency expenses and special windshield deductibles. However, basic recreational vehicle insurance often includes collision, liability and uninsured and underinsured coverage. When comparing recreational vehicle insurance quotes and rates, drivers must ensure that the policy meets the state’s minimum requirements as well as their own personal expectations.
How much does a North Carolina RV insurance policy cost?
Like automobile coverage, North Carolina RV insurance quotes vary depending on the specific class of the motorhome, how often the driver plans to operate the recreational vehicle and the personal driving record of the applicant. Additionally, recreational vehicle insurance rates vary depending on the area in which the driver lives. If purchasing RV coverage in an area with higher rates of theft or accidents, insurance rates are often much higher. Moreover, RV insurance rates are higher if motorists drive the motorhome on a regular basis. On average, the cost of recreational vehicle insurance in North Carolina is $860 annually or $71.66 monthly. However, Class A motorhomes are generally more expensive to insure than Class B or C RVs.
Where to Get RV Insurance Quotes in North Carolina
When purchasing recreational vehicle coverage in NC, drivers may obtain a policy from their current automobile insurance provider or they may purchase standalone RV coverage from a separate provider. In some cases, a provider of motorhome vehicle coverage may offer discounts if customers purchase more than one policy through their company. Additionally, motorists may purchase RV insurance online, as long as the company is licensed in the state of North Carolina. For assistance in determining whether a recreational vehicle insurance company is licensed to do business in the state, customers may contact the North Carolina Department of Insurance (NCDOI) at 1-855-408-1212.
Comparing Recreational Vehicle Insurance Quotes in North Carolina
Before purchasing an RV insurance policy in NC, it is important to obtain recreational vehicle insurance quotes and rates from several licensed companies. When obtaining RV insurance quotes, however, customers need to compare identical coverages to get the best estimates. When comparing recreational vehicle insurance quotes, customers will need to provide the agent with their motorhome’s identification number (VIN) as well as their Social Security Number (SSN), credit history and traffic record. Additionally, drivers who wish to purchase recreational vehicle coverage can ask their provider the following questions to help them decide whether the company is a good fit for them or not:
- Can customers increase their deductibles to lower their insurance premiums?
- Does the company use credit-based insurance scoring when determining rates?
- Are discounts or credits available?
- Is a certain type of recreational vehicle insurance required if there is a lien on the motorhome?
- What does the recreational vehicle insurance policy include or exclude?