LIABILITY COVERAGE
This coverage protects you if you are responsible for causing bodily injury to others or damage to their property while operating your campervan.
WHY PAY MORE?
GET AFFORDABLE CAMPERVAN INSURANCE RATES
Class B
Class B+
Pop-Top
High-Top
Other
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LOWER COSTS, HIGHER SATISFACTION
WHAT TYPES OF CAMPERVANS CAN I INSURE WITH CINCO?
Class B Campervans
Compact and versatile, Class B campervans require specialized coverage to protect your vehicle and living space from accidents, theft, and other types of damage.
Class B+ Campervans
Slightly larger than Class B, Class B+ campervans offer more space. Ensure comprehensive coverage for both travel and camping needs, including liability and damage protection.
Pop-Top Campervans
With a pop-up roof for extra space, these campervans need coverage that protects against damage, theft, and weather-related risks for your mobile home on the go.
High-Top Campervans
Offering extra headroom, high-top campervans need insurance that covers both the vehicle's mechanical systems and its specialized interior for long-term use.
4x4 Campervans
Built for off-road adventures, 4x4 campervans require insurance that includes off-road coverage and damage protection, ensuring you're covered on all terrains.
WHY IS CINCO THE BEST CHOICE FOR CAMPERVAN INSURANCE?
Competitive Rates
Industry Expertise
With or Without a License
With Good Credit, Bad Credit, or No Credit
Online/
Phone/
In-Person
Services
Multiple Convenient Locations Near You
WHAT COVERAGES CAN I GET FOR MY CAMPERVAN?
COLLISION COVERAGE
Collision coverage offers financial protection for your campervan in an accident with another vehicle or an object, covering your vehicle’s repair costs.
COMPREHENSIVE COVERAGE
Comprehensive coverage helps cover non-collision-related incidents, such as theft, vandalism, fire, and natural disasters that could harm your campervan.
UNINSURED/UNDERINSURED MOTORIST COVERAGE
Uninsured and underinsured motorist coverage ensures you're covered for damages and injuries caused by drivers who lack insurance or adequate coverage.
PERSONAL INJURY PROTECTION (PIP)
PIP coverage provides broader coverage than medical payments, covering your medical expenses, lost wages, and other related costs after an accident.
MEDICAL PAYMENTS COVERAGE (MEDPAY)
Medical payment coverage assists with medical expenses for you and your passengers incurred due to any road accident, regardless of who is at fault.
ROADSIDE ASSISTANCE
Roadside assistance offers help for common roadside issues like flat tires, dead batteries, and lockouts, ensuring you're never stranded on your travels.
CAMPERS AND TRAILER COVERAGE
Protect your campervan against damage, theft, or accidents while traveling or parked, ensuring your vehicle and belongings are safe.
FULL-TIME RV INSURANCE
Full-timer coverage is customized for those who use their campervan as a primary residence, offering comprehensive coverage similar to a homeowners' policy.
VACATION LIABILITY COVERAGE
Vacation liability coverage extends liability protection while your campervan is used as a temporary residence during trips, covering injuries or damage.
HOW IT WORKS
EXPLORE
Review our campervan insurance solutions, designed to protect your adventures. Our easy-to-navigate website provides information about all our options.
CONNECT
Contact us via phone, online, or in person. Our dedicated RV insurance agents are ready to understand your needs and provide personalized assistance.
COMPARE
We'll help you weigh your options by explaining the key features of each policy. With our guidance, you can choose the coverage that best suits your needs.
WHAT IS CAMPERVAN INSURANCE?
Campervan insurance is a type of coverage intended for vehicles that function as both transportation and living quarters. Usually, it covers both the campervan and the personal items kept inside. This motorhome insurance covers typical risks, such as accidents, theft, and damage, and offers additional options for breakdowns and emergency assistance, ensuring you have immediate financial support during crises.
Campervan insurance offers specialized coverage beyond regular coverage, based on factors such as your van’s build, its interior structures, including built-in kitchens and beds, and how often you use it. It may also include liability coverage for mishaps that occur within or outside the campervan, ensuring broad protection in case of potential liabilities when you are ever at fault in an accident.
FACTORS THAT IMPACT CAMPERVAN INSURANCE RATES
Campervan insurance costs differ from one policyholder to another due to a wide range of personalized factors and individual circumstances. Insurance providers carefully evaluate your circumstances, such as your driving history and the type of campervan you own. These factors help the insurer comprehend the risk level associated with you and your insurance needs and preferences. However, many additional factors play a role in determining your exact campervan insurance premium, such as:
Driving History
Age and Gender
Location
Vehicle Type and Model
Credit Score
Coverage Level
Deductible Amount
Claims History
Annual Mileage
Insurance Provider
Marital Status
Type of Driving
Discounts and Bundles
Safety Features in the Vehicle
State Laws and Regulations
WHO IS REQUIRED TO HAVE CAMPERVAN INSURANCE?
Responsible campervan ownership begins with a comprehensive campervan insurance policy that covers all potential risks, including accidents and theft. Campervans are built for long travels, which means that at any time, anything can go wrong, making it more important to protect them in case of an unforeseen event. Given the potential for loss, insurance is a must-have for owners, especially if you know you can’t afford to pay for the damages. Here are individuals who mostly require this insurance:
Campervan owners to comply with legal requirements.
Full-time RVers living in their campervans.
Owners of campervans in states with mandatory insurance laws.
Owners of custom or high-value campervans.
Owners of campervans with specialized equipment or modifications.
Individuals financing or leasing their campervans.
Renters of campervans requiring rental insurance.
Individuals using campervans for business purposes.
Off-road travelers using 4x4 campervans for rugged terrain.
Seasonal or weekend travelers needing flexible coverage options.
WHY DO I NEED INSURANCE FOR MY CAMPERVAN?
WHAT DISCOUNTS CAN I GET ON CAMPERVAN INSURANCE?
High campervan insurance costs can be a substantial financial burden, but there are always ways to save. Fortunately, numerous insurance providers offer discounts in the states to help lower premiums for customers, so don’t hesitate to ask your agent to search for potential discounts you could apply for. Insurers offer discounts to help attract new customers and retain old ones, so you should benefit from that. Here are a few standard insurance discounts to consider while purchasing insurance:
Safe Driver Discount
Good Student Discount
Multi-Policy Discount
Multi-Vehicle Discount
Low Mileage Discount
Defensive Driving Course Discount
Anti-Theft Device Discount
Pay-in-Full Discount
Paperless Billing Discount
Automatic Payment Discount
Accident-Free Discount
Affinity or Membership Discount
New Vehicle Discount
Military Discount
Homeowner Discount
Loyalty Discount
Green Vehicle Discount
Usage-Based Insurance Discount
Senior or Mature Driver Discount
Occupation-Based Discount
HOW MUCH DOES CAMPERVAN INSURANCE COST?
Although the price of campervan insurance can vary greatly based on several factors, it is often less expensive than insurance for bigger RV classes like Class A motorhomes. Liability coverage rates begin as low as $125 per year. The smallest of the RV classifications, class B motorhomes—also referred to as camper vans or conversion vans—can frequently be covered by regular auto insurance.
Camper van insurance rates are determined similarly to standard auto insurance, taking into account variables such as the van's value, location, driving history, and other relevant factors. For example, premiums may be reduced for a driver with a spotless record and a well-kept car stored safely. Since campervan insurance rates are similar to those of standard car insurance, they are generally more affordable.
WHAT ARE THE ESSENTIAL REQUIREMENTS FOR AN ACCURATE CAMPERVAN INSURANCE QUOTE?
Insurance providers require detailed information to calculate a reliable insurance quote for your campervan. It also helps them assess your risk levels and insurance needs. This is why you should always submit complete and accurate information to avoid any type of future inconvenience during the claims process. You may be asked to submit documentation, certificates, and details regarding yourself and your campervan. Here are some essential requirements to receive an accurate quote for your vehicle:
GET A FREE CAMPERVAN INSURANCE QUOTE
Embark on your campervan journey with peace of mind. Get a free quote from CINCO Auto Insurance today!
Once you submit your details, our friendly brokers will contact you right away with your personalized quotes. Whether you're a full-time or part-time RVer, we'll guide you through coverages tailored to your travel lifestyle.
With our reliable insurance solutions, you’ll have the proper protection before hitting the open road. Enjoy the adventure, knowing you’re covered!
Class B
Class B+
Pop-Top
High-Top
Other
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