The Ultimate Checklist for Buying an RV Out of State 

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Why Buying an RV Out of State Can Be a Smart Move
(and What to Watch Out For)

Buying an RV out of state definitely gives you more options to choose from, however there are challenges to watch out for. This guide will walk you through everything you need to know, so that you can have a smooth and hassle free RV buying experience.

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Is Buying an RV Out of State Possible?

Absolutely! Buying an RV out of state is not only possible but also pretty common, especially for those looking for a specific model, better pricing, or unique features. With all of the RV resell sites and virtual tours, it makes it really easy to shop across the country.

However, there are a few important factors to consider before making an out-of-state purchase:

• Legal Requirements: Different states have different rules regarding vehicle purchases, sales tax, registration, and inspections. You’ll need to ensure you comply with both the state where you purchase the RV and your home state.
• Sales Tax: In most cases, you will need to pay sales tax in your home state when registering the RV, regardless of where it was purchased.
• Logistics: Whether you plan to pick up the RV in person or arrange for delivery, transportation can add complexity and cost to the process.

Buying an RV out of state can be a smart move, but it requires careful research and preparation to avoid unexpected complications. In the sections below, we’ll walk you through everything you need to know to make the process as smooth as possible.

What Are the Pros of Buying an RV Out of State?

Buying an RV out of state can offer several distinct advantages that make the process worth considering. Here are some of the top benefits:

Better Selection

Shopping for an RV out of state gives you a larger inventory to choose from, especially if you’re searching for a specific make, model, or floorplan. Local dealerships may not carry certain brands or configurations, but expanding your search allows you to find exactly what you’re looking for. States with a high concentration of RV manufacturers, like Indiana or Texas, often have better availability and more diverse options.

Better Prices

Prices for RVs can vary significantly across states due to differences in demand, dealership competition, and proximity to manufacturers. For example, states like Indiana, where many RVs are produced, may offer lower prices due to reduced shipping costs. Additionally, some dealerships in less competitive markets may be more willing to negotiate, helping you secure a better deal than what’s available locally.

Rust-Free Used RVs in Southern States

If you’re considering a used RV, shopping in southern states can be a smart choice. Warm climates in states like Arizona, Florida, and Texas mean RVs are less likely to experience rust and corrosion from road salt and harsh winters. This could mean an RV that’s in better overall condition, particularly when it comes to the undercarriage and exterior.

Unique Models and Features

Out-of-state shopping can sometimes lead to discovering RV models or features that aren’t typically available in your area. For example, you might find limited-edition models or regional customizations that better suit your needs or preferences.

What Are the Cons of Buying an RV Out of State?

While buying an RV out of state has its advantages, there are also challenges and potential downsides to consider. Here are some of the most common disadvantages to buying an RV out of state:

Travel or Delivery Costs

When you’re purchasing an RV out of state it often requires either traveling to pick it up or paying for delivery. Travel expenses like airfare, fuel, lodging, and meals can add up quickly. Alternatively, arranging for the RV to be transported to your home can cost hundreds or even thousands of dollars, depending on the distance.

Paying Sales Tax in Your Home State

Even if the state where you purchase the RV has a lower or no sales tax, you’ll likely be required to pay sales tax when you register the RV in your home state. This can lead to unexpected costs if you’re unaware of your state’s tax regulations.

Buying an RV Sight Unseen

If you can’t visit the RV in person before purchasing, you may run the risk of hidden issues or misrepresented conditions. Even with virtual tours or photos, it’s not the same as inspecting the RV firsthand. Without a proper inspection, you could end up with unexpected repair bills or other headaches.

Long-Distance Negotiations

Negotiating with sellers or dealerships remotely can be more challenging than face-to-face discussions. Miscommunication, delayed responses, or difficulty building rapport with the seller can make the negotiation process frustrating.

Registration and Licensing Complexities

States have varying rules for titling, registration, and emissions requirements. Making sure the RV complies with your home state’s regulations can involve extra steps, such as additional inspections or paperwork, which can be time-consuming and stressful.

Delays in Resolving Issues

If problems arise after your purchase—such as warranty claims, repair needs, or disputes—it can be harder to resolve them when the dealership or seller is located far away. You may need to work with local repair shops or navigate warranty coverage across state lines.

How to Buy an RV Out of State

Step 1: Search for Your Ideal RV

Start by browsing online RV marketplaces, manufacturer websites, and dealer listings. Platforms like RV Trader, Facebook Marketplace, and Craigslist are great places to begin. Be clear on what you’re looking for in terms of size, features, and budget, and consider expanding your search to RV-friendly states like Indiana, Texas, or Florida for a wider selection.

Step 2: Compare Prices and Ask About Price Matching

Once you’ve found potential options, compare prices across dealerships and private sellers. Some local dealers may be willing to match or beat the price of an out-of-state competitor. This can save you the trouble of traveling while still getting a great deal.

Step 3: Get the RV Inspected

Before committing to anything, arrange for a professional RV inspection. You can hire a local RV inspector to thoroughly check for any hidden issues, especially if you can’t see it in person. Websites like NRVIA.org can help you find certified inspectors. This step is crucial for used RVs but can also be valuable for new ones.

Step 4: Pay for the RV

Use a secure payment method to finalize your purchase. For private sales, consider using an escrow service to ensure both parties are protected. Be sure to get a bill of sale, title transfer documents, and any warranty information from the seller or dealer.

Step 5: Arrange for Pickup or Delivery

You’ll need to decide whether you want to travel to pick up the RV or if you’d prefer to have it delivered to your home. If traveling, plan your trip, including how to tow or drive the RV back. For delivery, research reliable transport companies and get quotes to compare costs.

Step 6: Get RV Insurance

Before taking possession of the RV, you’ll need to make sure it’s insured. Contact your insurance provider to set up a policy that covers the RV from the moment you pick it up or it’s delivered.

Step 7: Register and Pay Sales Tax in Your Home State

After you’ve purchased the RV, you’ll need to register it with your state’s DMV and pay any applicable sales tax. Requirements vary by state, so check your state’s DMV website for specific steps, documentation, and fees. Some states may also require an emissions or DMV inspection before registration.

What is the cheapest state to buy an RV in?

When shopping for an RV, some states consistently stand out as offering lower prices. Here are some of the cheapest states to consider when buying an RV:

Indiana: Indiana is known as the “RV Capital of the World” because it’s home to many RV manufacturers, including big names like Forest River and Thor Industries. Buying an RV directly from a dealer in Indiana often means lower prices due to reduced shipping costs and the abundance of competition among dealerships.

Florida: Florida is another popular state for affordable RV purchases, particularly for used models. The large retiree population means there’s a constant turnover of RVs on the market, leading to competitive pricing. Additionally, Florida is a great place to find well-maintained RVs due to its warm climate.

Texas: With a large RV market and numerous dealerships, Texas offers competitive pricing and a wide selection of new and used RVs. The state’s central location also makes it a convenient spot for buyers willing to travel.

Arizona: Arizona is another state where you’ll find affordable, rust-free used RVs. The dry climate helps preserve vehicles, and the high number of snowbirds in the region leads to a steady supply of RVs being bought and sold.

Montana (for Tax Benefits): While Montana may not be known for having the lowest sticker prices on RVs, it’s a popular state for setting up an LLC to purchase an RV. Montana doesn’t charge sales tax on vehicles, which can lead to significant savings for high-ticket purchases. However, this approach requires setting up an LLC and may not be practical for all buyers.

What Makes a State Cheaper for Buying an RV?

States with large RV industries or high RV ownership typically have:

• Lower Dealer Costs: Reduced transportation fees and competition among dealerships drive prices down.
• Better Inventory: A larger selection means dealers are more likely to negotiate on price.
• Favorable Tax Policies: States with no or low sales tax on RV purchases can reduce overall costs significantly.

When considering where to buy, weigh the savings against the cost of traveling or shipping the RV back to your home state. By doing your homework, you can maximize your savings while finding the perfect RV.

Which States Have No Sales Tax on RVs?

Sales tax is a significant cost when purchasing an RV, however, some states either have no sales tax or offer unique advantages that can reduce or eliminate this expense. Here are the states where you can save on sales tax when buying an RV:

Montana: Montana is the most well-known state with no sales tax on RVs. Many RV buyers take advantage of this by forming a Montana LLC, purchasing the RV under the LLC’s name, and registering it in the state. While this approach is legal, it’s important to check with a tax professional to ensure compliance with your home state’s laws, as not all states recognize or allow this practice without potential consequences.

Delaware: Delaware doesn’t charge sales tax on RV purchases. 

New Hampshire: New Hampshire has no sales tax on any purchases, including RVs. 

Oregon: Oregon is another state with no sales tax, making it a great place to purchase an RV tax-free. However, registering an RV in Oregon may require proof of residency, so this option works best for residents or those willing to establish residency.

Alaska: Alaska doesn’t have statewide sales tax, although some local municipalities may impose their own. Buyers considering Alaska should check local tax regulations to confirm the absence of sales tax on RV purchases.

How to Take Advantage of States With No Sales Tax on RVs

1. Establish Residency: Some states, like Oregon and New Hampshire, may require you to be a resident to avoid sales tax.
2. Set Up an LLC: States like Montana allow you to set up an LLC to purchase and register an RV, bypassing sales tax. Consult a legal or tax professional to ensure this approach is compliant with your home state’s rules.
3. Research Local Laws: Even in states with no sales tax, local regulations or fees may apply. Confirm all costs before finalizing your purchase.

Important Considerations

While states with no sales tax can save you thousands, it’s essential to research your home state’s tax laws. Many states require you to pay sales tax upon registration, even if you purchased the RV in a tax-free state. Skipping this step could result in penalties or legal issues down the line.

Questions You Need to Ask Before Purchasing an Out-of-State RV

Buying an RV out of state can be a great way to find your perfect RV at a competitive price, but it’s important to do your due diligence. Here are some key questions to consider before committing to a purchase:

1. What Are the Cost and Tax Implications?

• How much will it cost to transport or pick up the RV?
• Does the seller’s state charge sales tax, and will you owe additional taxes in your home state?
• Are there any additional fees, like documentation or title transfer fees, to consider?

2. Can You Inspect the RV Before Buying?

• Is it possible to view the RV in person, or can the seller provide a video walkthrough?
• Are you able to hire a professional inspector to assess the RV’s condition if you’re buying remotely?
• Has the RV been regularly maintained, and can the seller provide service records?

3. Do You Need a DMV Inspection in Your Home State?

• Does your home state require an emissions or safety inspection before registration?
• Are there specific inspection requirements for used RVs?
• How will you handle these inspections if the RV needs repairs or adjustments before passing?

4. Will You Pick Up the RV or Have It Delivered?

• If picking up, how will you transport the RV back to your home state?
• If having it delivered, what are the costs and timelines for shipping?
• Are there any risks associated with delivery, and is the transport company insured?

5. Is the Title Clear?

• Does the seller have a clear title to the RV, free of liens or disputes?
• Are they able to provide all necessary documentation to transfer ownership smoothly?

6. Does the RV Fit Your Lifestyle and Travel Goals?

• Does the RV have the features and space you need for full-time or part-time travel?
• Is it compatible with the type of terrain and climates you plan to explore?
• Will it accommodate your roadschooling setup or any specific business needs, like 3D printing or remote work?

As a full-time traveler, buying an RV that fits your lifestyle and meets your needs is essential. Asking these questions ensures you avoid hidden costs, logistical headaches, or mismatched expectations. 

How to Pick Up or Ship an RV Bought Out of State

After purchasing an RV from out of state, the next step is figuring out how to get it to your home or starting point. Here’s what you need to know about both options:

Option 1: Picking Up the RV Yourself

Traveling to pick up the RV can be a great option, especially if you’re excited to start your adventure right away. Here are some tips to make the process smooth:

1. Plan Your Travel Logistics
   • Book transportation to the RV’s location, such as flights or rental cars.
   • Factor in travel time and costs, including lodging, food, and fuel.
2. Prepare for the Drive Back
   • If the RV is motorized, ensure you have the proper license and experience to drive it.
   • For towable RVs, confirm that your tow vehicle can handle the weight and is equipped with the necessary hitch and brake controller.
3. Inspect the RV Before Driving Off
   • Conduct a thorough inspection to ensure everything is in working order.
   • Test the brakes, lights, tires, and any essential systems like water, power, and propane.
4. Make It a Mini Trip
   • Use the journey home as an opportunity to test the RV’s features and iron out any issues.
   • Stop at campgrounds or RV-friendly locations along the way to practice setting up and tearing down.

Option 2: Shipping the RV

Shipping the RV is a convenient alternative if you’re unable or unwilling to travel to pick it up. Here’s how to handle the process:

1. Find a Reliable Transport Company
   • Research transport companies with experience moving RVs and check reviews for reliability.
   • Get multiple quotes and make sure the company is licensed and insured.
2. Choose the Right Shipping Option
   • Flatbed Transport: Ideal for motorized RVs, as the vehicle is securely loaded onto a truck.
   • Tow-Away Service: Suitable for towable RVs, where the RV is towed by the transport company’s vehicle.
3. Understand the Costs
   • Shipping costs vary based on distance, RV size, and transport type. On average, expect to pay $2-$4 per mile.
   • Ask for a detailed quote that includes insurance coverage and any additional fees.
4. Prepare the RV for Transport
   • Secure all loose items inside and outside the RV to prevent damage during transit.
   • Ensure the RV is clean and fully inspected before it’s handed off to the transport company.
5. Track the Shipment
   • Many transport companies offer tracking services so you can monitor the progress of your RV’s delivery.
   • Coordinate with the company to schedule a convenient delivery time and location.

Which Option Is Right for You?

• Pick Up Yourself: Best for those who want to combine the pick-up with a travel experience or who prefer hands-on control.
• Ship the RV: Ideal for buyers who are far from the RV’s location, have time constraints, or are uncomfortable with long-distance driving.

Both options have their pros and cons, but with proper planning, either can work seamlessly. 

Additional Factors to Consider When Buying an RV Out of State

1. Registration Fees

Each state has its own rules and fees for registering an RV, which can vary significantly. When buying out of state:

• Research your home state’s registration requirements and costs, including title transfer fees and any inspections.
• Be aware that larger RVs may have higher registration fees due to their weight or value.
• Ensure the seller provides all necessary documents for registration, such as the bill of sale and title.

2. Sales Tax

Even if you buy an RV in a state with no or low sales tax, your home state will typically require you to pay its sales tax when registering the RV.

• Check your state’s sales tax rate for vehicle purchases and any exemptions or caps that might apply.
• Be prepared to provide proof of taxes paid in another state to avoid double taxation.

3. Insurance Costs

RV insurance is essential and may vary based on the state where the RV is registered or primarily used.

• Get a quote for insurance coverage before finalizing your purchase.
• Consider coverage options, including liability, collision, comprehensive, and full-time RVing coverage if applicable.
• If the RV is financed, confirm the insurance requirements set by your lender.

4. DMV and Emissions Inspections

Some states require emissions or safety inspections before registering a vehicle. If your home state has these requirements:

• Check if the RV meets your state’s standards, especially if it’s an older model.
• Plan for additional costs and time needed to complete these inspections.

5. Changing Your Domicile for Tax Purposes

If you’re a full-time RVer, changing your domicile to a tax-friendly state (like Florida, Texas, or South Dakota) can save you money on taxes and registration fees.

• Research the process for establishing domicile in your desired state, including setting up a mailing address and obtaining a driver’s license.
• Be prepared to register the RV in your new domicile state to benefit from lower taxes and fees.

Considering these factors helps to make sure that your out-of-state RV purchase is a smart financial decision. Taking the time to research and plan will save you from unexpected costs and legal headaches.

How to Have a Smooth Transaction When Buying a Used RV Out of State

1. Video Chat with the Seller: Request a live video walkthrough of the RV to verify its condition. Ask the seller to demonstrate the functionality of key systems, such as the plumbing, electrical, and appliances. This helps ensure the RV matches the listing description.

2. Hire a Professional RV Inspector: A professional inspection is important for uncovering potential issues that might not be visible during a video chat or in photos. You can hire a certified RV inspector near the seller’s location to provide a detailed report on the RV’s condition.

3. Calculate All the Costs: Factor in not only the purchase price but also transportation, taxes, registration fees, and insurance. Be aware of your home state’s sales tax and ensure it’s included in your budgeting.

4. Verify the Title and Paperwork: Ensure the title is clear and matches the seller’s name. Double-check for any liens on the RV. The seller should also provide a bill of sale and maintenance records for your reference.

5. Use a Secure Payment Method: Avoid cash payments or wire transfers. Use a secure payment method, like an escrow service, to protect both you and the seller during the transaction.

6. Arrange for Pickup or Delivery: Plan how you’ll take possession of the RV. If picking it up, confirm travel arrangements and inspect the RV thoroughly before driving away. If shipping, choose a reliable transport company and ensure the RV is prepared for transport.

7. Register and Insure the RV Promptly: Once the purchase is complete, register the RV in your home state and secure insurance coverage before driving it. 

So, Should you consider buying an RV out of state?

Buying an RV out of state can be a smart move, but it depends on your specific needs and circumstances. Here’s a quick breakdown to help you decide:

When It Makes Sense to Buy Out of State

• You’re looking for a specific model, brand, or feature not available locally.
• Prices in your area are significantly higher than in other states.
• You live in a state with high sales tax, and you’re considering using a tax-friendly state for purchase and registration.
• You’ve found a used RV in excellent condition, especially in areas with rust-free climates like the southern U.S.

When to Think Twice About Buying Out-of-State

• You’re not comfortable managing long-distance logistics, like inspections, negotiations, or transport.
• Your home state has complex sales tax or registration requirements that could add unexpected costs.
• You’re unable to inspect the RV in person or arrange a professional inspection.
• You’re new to RVing and prefer to have local dealership support for servicing and warranty claims.

How to Decide

• Do Your Research: Understand the total cost, including travel, delivery, taxes, and registration fees.
• Ask Questions: Ensure you’re fully informed about the RV’s condition, history, and seller’s reputation.
• Plan Ahead: Have a clear strategy for transportation, registration, and insurance.

Buying an RV out of state can open up more options and potentially save you money, but it requires careful planning and consideration. If the benefits outweigh the challenges for your situation, it’s worth exploring as a viable option.

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