North Carolina RV Insurance
Owning an RV in North Carolina offers an incredible opportunity to explore the state’s diverse landscapes, from the rolling Blue Ridge Mountains to the sun-soaked Outer Banks. Whether you’re a weekend warrior taking short trips or a full-time RVer embracing the open road, the freedom and flexibility of RV travel are unmatched. However, with the perks of RV ownership come the responsibilities of protecting your investment, particularly through proper insurance.
North Carolina, like many states, requires motorized RVs to have at least minimum liability coverage, but insurance needs can vary greatly depending on your type of RV and how often you use it. From the bustling city of Asheville to quiet beachside campsites, RV owners face unique challenges and risks—ranging from unpredictable weather events like hurricanes on the coast to potential accidents on winding mountain roads. Ensuring that your motorhome or travel trailer is adequately insured means you’ll be prepared for whatever comes your way, giving you peace of mind as you embark on your travels.

Whether your RV serves as a temporary escape or a permanent home, understanding the ins and outs of RV insurance in North Carolina is essential. This guide will walk you through the state’s insurance requirements, the average costs of coverage, and the risks you might encounter on your journey, helping you make informed decisions so you can focus on what matters most—enjoying the adventure ahead.
North Carolina RV Insurance Frequently Asked Questions
Yes, RV insurance is required in North Carolina for all motorized RVs (Class A, B, and C motorhomes). The state mandates that RV owners carry at least the minimum liability insurance, which is the same as the requirements for standard vehicles. However, insurance for towable RVs, such as travel trailers and fifth wheels, is not required by state law. Towable RVs are typically covered under the liability policy of the vehicle towing them, but owners may still want additional coverage for physical damage and personal belongings.
Owning an RV in North Carolina offers incredible opportunities for exploration, but it also comes with responsibility. Having the right insurance coverage ensures that you’re protected from unexpected events—whether it’s a fender bender in a national park or damage from a coastal storm. By investing in RV insurance, you can travel with peace of mind, knowing that your investment is covered.
- $30,000 for bodily injury per person
- $60,000 for bodily injury per accident
- $25,000 for property damage per accident
The cost of RV insurance in North Carolina can vary based on several factors, including the type and value of your RV, how often you use it, and your driving history.

Testimonials
Marty Karriker is a class act! His communication and business ethics are top notch and it’s always a pleasure to work with him and his team.
- Andrew Steele (RVing with Andrew Steele)
Unique Aspects of RV Ownership in North Carolina
