Insurance

Insurance rates and mandatory coverages vary by state, the driver, the number of policies issued (i.e. multiple vehicle and homeowner discounts), the risk to the ins. co., the value of the trailer, etc.  Given that Montana has no daytime speed limit, it is not surprising that insurance is more costly.  When things crash at high speeds, insurance companies end up paying out more money.  In lovely metropolitan Dayton, NV, we pay about $125 a year, but we have speed limits strictly enforced [especially for non-locals] and are getting out third, yes third!, stop light.