RVs · trailers · motorcycles · ATVs

What does your rig or ride actually need covered?

A travel trailer, a Class A motorhome and a sport bike need almost nothing in common from an insurance policy. Pick yours, say how you use it, and get the lines that matter with the reason for each. For riders, every state page adds the numbers that drive motorcycle premiums: how many bikes are registered, how many riders died, and what the helmet law says.

Build my checklist Rider risk by state

1Riders killed, 2023 6,335
2Motorcycles registered 9,516,910
3Deaths per 10,000 bikes 6.7
4All-rider helmet laws (incl. DC) 18

Coverage checklist

No premiums here: rates are filed by state and insurer. The list says what each line is for.

Motorcyclists killed per 10,000 registered motorcycles, 2023, top 12, bars to scale. Derived from NHTSA deaths and FHWA registrations; national figure 6.7.

Why motorcycle premiums differ so much by state

Motorcycle insurance is priced mostly on injury, because the rider absorbs the crash. NHTSA counted 6,335 motorcyclists killed in 2023, against 9,516,910 registered motorcycles — about 6.7 deaths for every 10,000 bikes. State by state that figure runs from 0.7 to 18.9. Some of the spread is riding season — a bike in Florida is ridden twelve months, one in Maine four — and some is how states count registrations; but the states at the top of the list are where riding is most dangerous per bike on the road, and that is reflected in the injury coverages insurers price.

Helmet laws come up in every one of those state pages. In the 18 jurisdictions that require a helmet for every rider, 90% of riders killed in 2023 were wearing one; in the three with no law, 36%. That gap is about compliance, not about who survives — the helmet law page explains what the numbers can and cannot show.

RVs and trailers

Class A motorhomeA bus-sized motorhome is a vehicle and a home at once; the policy has to cover both roles, and a breakdown far from home is expensive.Class B camper vanBuilt on a van chassis and driven daily by many owners, a Class B is closest to an auto policy with RV contents and campsite cover added.Class C motorhomeA cutaway truck chassis with a cab-over bunk: rental fleets favour them, so check whether a policy covers renting it out.Travel trailerA towable has no engine, so liability on the road usually comes from the tow vehicle's auto policy; the trailer's own policy covers physical damage and contents.Fifth-wheel trailerThe large towable many full-timers live in; full-timer liability and contents limits matter as much as the trailer itself.Toy haulerA trailer with a garage for bikes and ATVs: the cargo inside needs its own policies, which the trailer policy will not cover.

Every state

Motorcyclists killed per 10,000 registered motorcycles, 2023.

Sources: FHWA Highway Statistics 2023, Table MV-1 (motorcycle registrations); NHTSA Traffic Safety Facts 2023 Data: Motorcycles (DOT HS 813 732), Table 7; IIHS motorcycle helmet law table (current as of October 2026). Checked 2026-10-23. Methodology.