The annual insurance query. First, your individual driving record, your financial status (credit score), your accidents/claims or lack there of are just a few factors that determine your premium. Your state, your county, your town, your zip code potentially have different rates based on many factors that are totally out of your control. Has the cost to repair an RV gone up? Has there been a natural disaster like a tornado taking out campgrounds, or dealer inventory? Floods? Point is it ain’t you or just you. Just know that your state insurance department approved any rate increase.