Truck & RV Rental Insurance Cost: Ranges + Calculator
A rental operation's money is tied up in the fleet it hands to other people, so its insurance is built around physical damage to the rented units and the commercial auto exposure our own quote data shows these buyers request most. General liability covers third-party injuries at the rental yard, but the vehicles, trailers and RVs themselves need physical-damage coverage while they are rented, stored or in transit — and the interplay with the renter's own coverage is where claims get complicated.
As an industry-typical estimate, a truck/trailer/RV rental business carries commercial auto plus physical damage scheduled to fleet value, general liability for the yard, and workers' comp on staff. No insurance bureau publishes rental premiums, so every dollar here is an estimate; each fact is sourced to a named authority (IRMI, III). Use the calculator below, then get a real quote in 5 minutes.
| Business activity |
|---|
| Bus rental or leasing |
| Camper rental |
| Dump truck rental or leasing without operator |
| Mobile home rental, off-site |
| Motor home rental, off-site |
| Popup camper rental |
| Recreational trailer rental |
| Recreational vehicle (RV) rental or leasing |
| RV (recreational vehicle) rental or leasing |
| School bus rental or leasing |
| Semi-trailer rental or leasing |
| Trailer rental or leasing |
| Truck (except industrial, light duty passenger) rental or leasing |
| Truck tractor rental or leasing without driver |
| Utility trailer rental or leasing |
| Van (except passenger) rental or leasing without driver |
Estimate your commercial insurance cost
Plug in a few business details and we'll show an industry-typical annual range for General Liability + Workers Compensation + Commercial Auto, with the source for every number. Real quotes vary by carrier, claims history, and underwriting — get an actual quote here.
Industry-typical market ranges
Sourced from III, NCCI, ISO, NAIC, BLS, FMCSA, FDA, NRA — government and bureau publications, not from our quote form
Coverage lines a truck/RV rental operation typically carries (industry-typical estimates):
- Physical damage on rented units: the trucks, trailers and RVs themselves while rented, stored or in transit — the trade-defining line. IRMI physical damage.
- Commercial auto: the fleet's liability exposure and the interplay with each renter's coverage. III commercial auto.
- General liability: third-party injury and property damage at the rental yard. III commercial general liability.
- Workers' compensation: mandatory for yard and counter staff in nearly every state. III workers comp.
Fleet value, unit type (truck vs. RV) and how coverage stacks with renters are primary rating factors.
Recent rate-filing activity — 8 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting truck & rv rental operations, each cited to the regulator or bureau filing it came from.
| Line | State | Overall change | Effective | Filing |
|---|---|---|---|---|
| WC | NV | -32.8% voluntary loss cost decrease (legislatively-driven; SB 317) | Oct 1, 2026 | SERFF #NCCI-134895530 |
| WC | RI | Overall -2.5% voluntary (industrial); -12.9% federal classes | Aug 1, 2026 | SERFF #NCCI-134743616 |
| WC | AR | Overall -9.8% voluntary loss cost; -9.8% assigned risk market | Jul 1, 2026 | SERFF #NCCI-134876672 |
| WC | TX | Overall -3.8% adjustment to voluntary loss cost level | Jul 1, 2026 | SERFF #NCCI-134745334 |
| WC | OH | -1% private-employer rate cut (~$10M aggregate; -50% cumulative since 2019) | Jul 1, 2026 | — |
| WC | SC | -0.4% voluntary loss cost decrease | Apr 1, 2026 | SERFF #NCCI-134702984 |
| WC | NC | per $100 payroll (advisory loss cost) | Apr 1, 2026 | Filing #NCRI-134628278 |
| WC | NC | per $100 payroll (advisory loss cost) | Apr 1, 2026 | Filing #NCRI-134628278 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
Bureau-filed loss-cost activity by state — 45 states with filings
Each link below opens a truck & rv rental-specific page showing only that state's most-recent bureau-filed loss-cost filings (NCCI workers' comp and/or ISO commercial-lines), cited to the regulator or bureau filing each came from. Filed-rate data ≠ carrier final rates.
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Sources cited
- Physical Damage Insurance — International Risk Management Institute (IRMI), 2024
- Commercial Auto Insurance — Insurance Information Institute (III), 2024
- Commercial General Liability Insurance — Insurance Information Institute (III), 2024
- Workers Compensation Insurance — Insurance Information Institute (III), 2024