
Camper trailers are a great way to get into the RV lifestyle. They are compact, easy to tow, and can be stored in a garage. Prices for new camper trailers can range from $10,000 to $35,000, with an average 24-foot trailer costing around $23,000. There are additional costs to consider, such as sales tax, insurance, and maintenance. When it comes to choosing a camper trailer, there are various options available, from basic trailers with lower-end appliances to more expensive brands with luxurious features. It's important to consider factors like size, brand, and personal preferences when making a purchase decision.
What You'll Learn
Tow vehicle
When it comes to choosing a tow vehicle for your camper trailer, there are several factors to consider. Firstly, it is crucial to understand the weight and size specifications of your camper trailer. This includes the trailer's Gross Vehicle Mass (GVM), Aggregate Trailer Mass (ATM), and Tow Ball Download (TBD). The GVM refers to the maximum weight of the trailer when loaded, while the ATM is the combined weight of the trailer and the load on the tow ball. The TBD is the maximum weight allowed on the tow ball.
Once you have these specifications, you can start looking for a tow vehicle that meets or exceeds these requirements. It is generally recommended to have a tow vehicle with a higher towing capacity than what your trailer requires to ensure a safe and relaxed towing experience. Additionally, consider the tow vehicle's Gross Combined Mass (GCM), which is the maximum weight allowed for the vehicle and trailer combined. Choose a tow vehicle with a GCM that allows for a full payload while towing the maximum weight of your trailer.
In terms of vehicle type, medium-sized sedans, wagons, or SUVs are typically suitable for smaller camper trailers or fold-out camper trailers. For larger trailers with higher ATM, a full-size wagon or a 4x4 ute with a turbo-diesel engine and automatic transmission is often a better choice. These vehicles offer greater towing capacity, a more stable towing platform, and increased payload capacity.
When selecting a tow vehicle, consider the following:
- Kerb weight: A heavier vehicle provides better towing stability as it is less likely to be pushed around by the trailer.
- Engine power and torque: Look for vehicles with sufficient power and torque to handle the towing load, especially when climbing hills.
- Wheelbase and rear axle-to-tow ball measurement: A longer wheelbase and a shorter rear axle-to-tow ball distance contribute to better towing stability.
- Fuel tank size and fuel economy: Ensure the vehicle has a fuel tank size that provides adequate range, taking into account the increased fuel consumption when towing.
- Towing speed restrictions: Some vehicles may have manufacturer-imposed restrictions on towing speeds, which can impact your journey.
- RAM 2500: With a kerb weight of 3577 kg, a towing capacity of 3500 kg, and a powerful engine, the RAM 2500 is a solid choice for towing heavier trailers. However, its large size and high price tag may be drawbacks for some.
- Toyota LandCruiser 200 Series GXL: This vehicle offers excellent towing stability thanks to its heavy weight and long wheelbase. It has a towing capacity of 3500 kg and a powerful twin-turbo-diesel engine, but fuel consumption can be high when towing.
- Jeep Grand Cherokee Limited CRD: The Jeep Grand Cherokee is a compact SUV that can comfortably tow up to 3500 kg. It has a kerb weight of 2327 kg and a turbo-diesel engine that provides strong performance.
- Ford Ranger XLT Double Cab: The Ford Ranger is a capable tow vehicle with a towing capacity of 3500 kg. It has a kerb weight of 2159 kg and a fuel-efficient turbo-diesel engine. However, its payload capacity is limited when towing the maximum weight.
- Isuzu MU-X: The Isuzu MU-X is a reliable and stable tow vehicle with a towing capacity of 3000 kg. It has a kerb weight of 2060 kg and offers good fuel economy when towing.
- Land Rover Discovery HSE 4X4: The Land Rover Discovery is well-suited for towing, with a towing capacity of 3500 kg and a powerful turbo-diesel engine. It has a kerb weight of 1959 kg and offers a comfortable ride.
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Sales tax and licensing fees
When it comes to purchasing a camper trailer, there are a number of costs to consider beyond the initial price tag. One significant expense is sales tax, which can vary depending on the state and local laws. For example, in Washington state, the sales tax rate can be as high as 10%, while other states like Alaska have no sales tax at all. It's important to note that the sales tax is typically based on the purchase price of the trailer and is often rolled into the final price or loan if buying from a dealer.
In addition to sales tax, there are licensing and registration fees that need to be paid to the state's Department of Motor Vehicles (DMV). These fees can also vary depending on the state and may be based on factors such as the weight, age, and value of the trailer. For instance, in California, the registration fee for vehicles over 6000 lbs is $140, while it's about $3 cheaper for every 100 lbs less, down to 3000 lbs. On the other hand, some states like Alaska charge a flat registration fee of $100.
It's worth noting that some states and counties may have additional fees on top of the standard sales tax and registration fees. For example, local sales and property tax rates may be set separately from the state, and counties may charge extra for services like law enforcement, titling, and clerk costs. Therefore, it's important to consult the local DMV or relevant government websites to get an accurate estimate of the taxes and fees associated with purchasing and registering a camper trailer.
Furthermore, it's important to be aware of the potential for fraud or tax evasion when registering a camper trailer. Some individuals may attempt to register their trailer in a state with lower taxes, even if they do not reside there. However, this practice is illegal and can result in penalties or fines if discovered by the authorities.
Overall, it's crucial to factor in the sales tax and licensing fees when considering the total cost of a camper trailer. By researching the specific taxes and fees applicable to your state and locality, you can ensure that you are prepared for the financial obligations that come with owning a camper trailer.
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Insurance
Types of Coverage:
- Comprehensive Insurance: This is the highest level of coverage available and includes protection against accidents, severe weather events, fires, theft, and damage to someone else's property. It typically covers accidental damage to your camper trailer, as well as damage caused by storms, hail, floods, theft, or attempted theft. It also provides liability coverage for damage caused to other people's property.
- Third-Party Fire and Theft Insurance: This type of insurance covers your camper trailer against fire, theft, and damage caused by attempted theft. It also includes protection against damage to other people's property.
- Third-Party Property Only Insurance: This insurance option covers your legal liability if your camper trailer damages someone else's property, providing up to $20 million in coverage. It also includes coverage for counselling services for you and your household members after an incident where a claim has been accepted.
What's Typically Covered:
- Accidental Damage: Insurance policies usually cover accidental damage to your camper trailer caused by collisions, overturning, or other unforeseen incidents.
- Theft and Vandalism: Most policies protect against theft, vandalism, and malicious damage to your camper trailer.
- Fire and Natural Disasters: Coverage is provided for damage to your camper trailer resulting from fire, lightning, storms, hail, floods, or other natural disasters.
- Contents Coverage: Optional coverage is available for personal belongings and equipment inside the camper trailer, such as camping gear, appliances, and other valuable items.
- Liability Coverage: This protects against third-party claims for property damage or bodily injury caused by your camper trailer.
- Emergency Accommodation: Some policies reimburse you for temporary accommodation expenses if your camper trailer becomes uninhabitable due to a covered loss.
Additional Considerations:
- New Trailer Replacement: Some insurance companies offer new trailer replacement for trailers less than 24 months old if they are a total loss.
- Off-Road Coverage: If you plan to take your camper trailer off-road, ensure your insurance policy covers off-road use, as some policies may have restrictions.
- Interstate Coverage: If you intend to travel across state lines, make sure your insurance covers your camper trailer throughout the regions you plan to visit.
- Modifications and Custom Builds: If you have made modifications or have a custom-built camper trailer, ensure your insurance policy covers these additions.
- Towing and Roadside Assistance: In case of an accident or breakdown, coverage for towing and roadside assistance can be invaluable.
- Annex Cover: If you have an annexe attached to your camper trailer, ensure your policy includes annexe cover to protect this additional structure.
- Battery and Propane Tank Coverage: Check if your policy includes coverage for batteries and propane tanks, as these may not always be included in the standard policy.
- Spare Tire Coverage: Spare tires are essential for camper trailers, so ensure your policy covers this important component.
- Generator Coverage: If you plan to use a generator, consider insurance coverage for it, as it can be costly to replace or repair.
- Storage Coverage: If you need to store your camper trailer, some insurance policies offer storage coverage for an additional cost.
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Travel trailer accessories
When it comes to travel trailer accessories, there are a multitude of options to elevate your camping experience. Here are some essential and optional accessories to consider:
Essential Accessories:
- Tow mirrors: These extendable mirrors clip onto your vehicle's existing mirrors, enabling you to see the sides of your trailer while driving.
- Wireless brake controller: Brake controllers adjust the intensity of your trailer's brakes when you apply pressure to the brakes in your tow vehicle. A wireless controller is easily installed and can be used with multiple vehicles.
- Wheel chocks: Made of sturdy material, these wedges are placed against your trailer's wheels to prevent accidental movement, providing an additional layer of safety.
- Weight distribution bars: These bars help stabilise your trailer while towing, reducing sway from wind or rough road conditions, and improving braking and turning smoothness.
- Spare tire and tools: Most trailers don't come with a spare tire, so it's essential to purchase one along with the necessary tools to change a flat tire, especially if you're camping in remote areas without cell signal.
- Surge protector: A surge protector or electric monitoring system is crucial to protect your trailer's electrical system from power surges or improper wiring at campsites.
- Water pressure regulator: This helps control the incoming water pressure to prevent damage to your trailer's appliances due to unpredictable water pressure.
- Hoses: Your RV may come with fresh water and sewer hoses, but they are often too short. Investing in longer hoses ensures functionality at most campsites.
- Locks: To deter theft, consider investing in a coupler lock, receiver lock, and latch lock to secure your trailer when it's unhitched and left unattended.
Optional Accessories:
- Shore power cord: If your trailer doesn't come with one, you may need to purchase a shore power cord compatible with your trailer's amperage rating.
- Rubber gloves: If you're dealing with the black tank, rubber gloves are a must-have to protect your hands.
- Bullseye level: A bullseye level is a handy tool that allows you to check the level of your trailer on both the x and y-axes with a single glance.
- Leveling blocks: If your campsite is uneven, leveling blocks are placed under the trailer's wheels to compensate for the unlevel ground.
- Holding tank treatment: This powder helps break down waste in your holding tank and keeps your RV smelling fresh.
- Additional batteries: For those planning to boondock extensively or live in their trailer full-time, investing in additional batteries, especially lithium batteries, can be beneficial.
These accessories will not only enhance your camping experience but also ensure your safety and peace of mind while on the road.
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Additional costs
When budgeting for a camper trailer, it's important to consider the various additional costs beyond the initial purchase price. These extra expenses can add up quickly, so it's essential to factor them into your financial planning. Here are some of the key additional costs to keep in mind:
- Sales Tax and Licensing Fees: Depending on your location, you may need to pay sales tax and licensing fees, which can significantly increase the overall cost. For example, in Washington state, the author of a blog post on "Uprooted Traveler" paid a total of $4,457.75 in sales tax and licensing fees, amounting to 10% of the trailer's purchase price.
- Insurance: RV insurance is crucial to protect your investment. The cost of insurance can vary widely, ranging from $125 to $25,000 per year, depending on factors such as your driving history, the cost of your trailer, and your towing experience. It's a good idea to get quotes from multiple insurance providers to find the best rate.
- Accessories and Equipment: There are numerous accessories and pieces of equipment you'll need to purchase to ensure a safe and enjoyable towing and camping experience. These can include items like tow mirrors, wireless brake controllers, wheel chocks, weight distribution bars, a spare tire, and various hoses and cords for hooking up at campgrounds. The cost of these items can quickly add up, so it's important to budget for them accordingly.
- Travel Costs: If you need to travel a long distance to pick up your trailer, don't forget to factor in those travel costs, including gas, accommodation, food, and any necessary permits. These expenses can be significant, especially if you're driving a long way or towing your new trailer back home.
- Storage Costs: If you don't have space to store your trailer on your property, you'll need to budget for storage fees when your trailer is not in use. Storage costs can vary depending on your location and the size of the storage space required.
- Maintenance and Repairs: RVs require regular maintenance and upkeep, and unexpected repairs may also arise. It's a good idea to set aside a repair fund to cover these expenses, which can vary from year to year.
- Camping Fees: When planning your camping trips, remember that most campgrounds charge nightly fees, which can range from $10 to $120 per night or more, depending on the location and amenities offered.
- RV Hitch: Depending on your towing setup, you may need to purchase and install an RV hitch. Fifth wheel hitches, for example, can be more expensive than travel trailer hitches due to their larger size and mounting location in the truck bed.
- Fuel: Keep in mind that fuelling an RV is typically more expensive than fuelling a car, as RVs are larger and heavier. If your RV runs on diesel, the fuel costs can be even higher.
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Frequently asked questions
Camper trailer prices can vary depending on size, brand, and features. Basic trailers with lower-end appliances and construction can be found for as little as $11,000, while more luxurious options can cost upwards of $500,000. On average, a new travel trailer costs between $11,000 and $35,000, with an average 24-foot trailer costing around $23,000.
There are several additional costs to consider when purchasing a camper trailer, including registration and taxes, fuel, insurance, RV hitch, camping fees, maintenance, and storage. These costs can add up, so it's important to factor them into your budget when considering the purchase of a camper trailer.
There are several budget-friendly options available on the market. Here are a few examples:
- Forest River Rockwood Tent 1640LTD: $14,995
- SylvanSport Go: $14,495
- inTech Flyer Pursue: $14,350
- Rustic Trail Papa Bear: $15,991
- Oregon Trail'R DoDrop Alpha: $13,250
- Polydrops P19 Shorty: $12,500