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RV Insurance in Texas

It is vital to get RV insurance when you’re on the road to protect yourself and your vehicle from damage. In Texas, the right coverage protects you whether you’re snapping beautiful views or hiking in the wilderness. Having an insurance policy provides reassurance by ensuring you are protected from any incidents in the future.

Say hello to CINCO, your go-to insurance specialists for dependable insurance in Texas. We understand that RV owners have specific insurance needs, which is why we offer a variety of insurance options to help you achieve the right level of protection without overpaying.

Why Do I Need RV Insurance In Texas?

Vehicle insurance is mandatory in Texas just like in most other states for RVs and other motor vehicles.

Your RV is going to be a substantial part of your funds and possibly a large amount of of your time.

Insurance that protects against property damage or personal injuries for those responsible in the event of an accident while driving an RV.

These vehicles have personal items like electronics and items used during the camping exercise.

Delays, accidents or mechanical failures occur from time to time affecting your road trips.

How Much Does RV Insurance Cost In Texas?

The cost of insurance in Texas varies based on several factors, including the type of RV, its value, its usage, and the type of coverage chosen. Generally, the cost of insurance is approximately $200-$600 per year. However, premiums can be higher depending on the size of the RV, its luxury features, the driver's experience, and their traffic record. Below are some key factors that influence the cost of insurance.

Type of RV

Make and model

Usage

Higher value premiums

Personal property

Annual mileage

Living time

Clean record

Claims history

Deductible size

COMPARE RV Insurance Rates Across Key Texas Cities

In understanding insurance rates, it is crucial to differentiate on the various rationales that include premiums. Starting with Houston Avenue and ending at the Austin culture, each city’s attributes have their influence on the insurance charges of your recreational vehicle, making the location of the city an influential determinant of the cost of insurance.

City Name

Average Yearly Insurance Rates

Arlington

$50

Corpus Christi

$45

Plano

$55

Lubbock

$40

Houston

$60

San Antonio

$50

Dallas

$55

Austin

$50

Fort Worth

$55

El Paso

$45

WHAT DISCOUNTS CAN I GET FOR RV INSURANCE IN TEXAS?

Completion of safety courses or installing of anti theft gadgets on the RVs is encouraged by the insurers and in the process, the insurance cost is cut and the over all security is boosted. Knowledge of these discounts may enable RV owners comprehend and locate the adequate cover with the best prices that will provide them a tension-free travel in Texas. 

DISCOUNT NAME

DESCRIPTION

Multi-Policy Discount

Save when you bundle insurance in Texas with auto or home insurance policies.

Safe Driver Discount

Enjoy discounts for maintaining a clean driving record with no accidents or violations.

Paid-in-Full Discount

Receive a discount by paying your insurance premium in full upfront.

Anti-Theft Discount

Get rewarded for installing anti-theft devices or security systems on your RV.

Good Student Discount

Qualify for savings if you or your child is a student with good grades.

RV Association Discoun

Members of certain RV clubs or associations may be eligible for exclusive discounts.

What Are The Minimum RV Insurance Requirements In Texas?

Under Texas law, RV owners are required to have liability insurance, especially when the RV is leased or financed, or when it is being operated in places such as RV parks or campgrounds. Typically, the minimum liability coverage includes:

  • $30,000 for bodily injury liability per person injured in an accident.
  • $60,000 for bodily injury liability total per accident, regardless of the number of persons injured.
  • $25,000 for property damage liability per accident.

Additional coverage like uninsured/underinsured motorist protection may be suggested. RV owners should consult licensed insurance agents in Texas to clarify minimum insurance requirements. Note that the costs for minimum coverage are $30,000 per person, $60,000 per accident, and $25,000 for property damage.

What Types Of RV Can I Insure With CINCO in Texas?

We offer tailored coverage for all motorhome classes, ensuring your home on the road is fully protected.
With our specialized insurance for campervans, keep both protected: the vehicle and your unique lifestyle.
Protect your travel trailer with CINCO, covering everything from physical damage to roadside assistance.

What Coverages Can I Get For My RV In Texas?

Liability Coverage

Protects against costs if you're at fault in an accident, covering bodily injury and property damage to others.

Collision Coverage

Pays for damage to your RV in an accident, regardless of fault, helping with repairs or replacement.

Comprehensive Coverage

This covers non-collision damage, like theft, vandalism, or natural disasters, ensuring your RV is protected in various scenarios.

Uninsured/Underinsured Motorist Coverage

This coverage protects you if an accident involves a driver with insufficient or no insurance, covering your damages.

Medical Payments Coverage

This covers medical expenses for you and your passengers after an accident, regardless of fault.

Personal Injury Protection (PIP)

Provides coverage for medical expenses, lost wages, and other expenses resulting from an accident.

Roadside Assistance

Offers assistance with towing, fuel delivery, flat tire changes, and other emergency services while on the road.

Vacation Liability Coverage

Provides liability coverage for injuries or property damage while parked at a campsite or RV park.

Full-Timer's Coverage

Offers extended coverage for those who live in their RV full-time, including personal property and liability protection.

Emergency Expenses Coverage

This covers expenses like lodging, meals, and transportation if your RV becomes uninhabitable due to a covered loss.

Why Is CINCO The Best Choice For RV Insurance In Texas?

Excellent Customer Service

Get Free Quotes

Multiple Convenient Locations Near You

Get Discounts

Affordable Premiums

HOW IT WORKS

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Find the insurance options that best fit your needs with our tailored coverage solutions.

Connect

Contact us to connect with our auto insurance team and get answers to all your insurance questions.

Compare

Compare different insurance policies with us to find the best value and coverage for your needs.

Get A Free RV Quote In Texas

FIND CINCO AUTO INSURANCE NEAR YOU IN TEXAS

Cinco Auto Insurance Office Front

307 W Centerville Rd Suite C, Garland, TX 75041

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Cinco Auto Insurance Office Front

2750 W Northwest Hwy Ste 190, Dallas, TX 75220

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Cinco Auto Insurance Office Front

2210 S Beckley Ave, Dallas, TX 75224

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Cinco Auto Insurance Office Front

10335 Ferguson Rd, Dallas, TX 75228

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Cinco Auto Insurance Office Front

2513 S Hampton Rd, Dallas, TX 75224

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Cinco Auto Insurance Office Front

1440 S Buckner Blvd, Dallas, TX 75217

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Cinco Auto Insurance Office Front

9208 E R L Thornton Fwy #207b, Dallas, TX 75228

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WHY CUSTOMERS LOVE CINCO AUTO INSURANCE?

Luis Ortuno

Highly recommend! Completed my full coverage paperwork over the phone with Edward. Affordable prices and no waiting, unlike other agencies.

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Wendy Castillo

Thank you, Edward! I got exactly what I needed within my budget. Quick, easy, and hassle-free service. Happy customer!

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Jimmey McCullough

Helpful and friendly staff with excellent customer service. Will definitely recommend to family and friends for great insurance support.

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Audrey Hare

Best customer service! Edward was fantastic, answered all my concerns, and made the process easy. Valentina and Edward were great!

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Katrina Hughes

Edward provided great service, found an affordable quote, and made the process quick and simple. Highly recommend this insurance agency!

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Daniel Alvarado

Nataly made the sign-up process easy and provided excellent service. I highly recommend this place for insurance needs.

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Maria Martinez

Evelyn gave me a fantastic insurance quote quickly. Great customer service and fast results. I definitely recommend!

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Jocelyn Adams

Edward was patient and made sure I received great service throughout the process. Really appreciate his help!

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Tamekia Owens

Very friendly and fast service. Highly recommended for anyone looking for quality and efficient insurance support.

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Myrna Garcia

Edward helped me find a great price for my auto insurance. He was patient and offered fantastic coverage options.

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Cynthia D. Khaled

Edward provided excellent customer service and answered all my questions. Highly recommend this company for your insurance needs.

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Luis Morales

Big thanks to Edward for providing outstanding customer service and affordable options. Definitely go see him!

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Eduardo Ruiz

Nataly helped us find great insurance rates with excellent service. Highly recommend for low prices and great care.

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Reyna Arroyo

Samantha provided a great quote and helpful service. Will definitely recommend her to family and friends for insurance needs.

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Monica Herrera

Best customer service in town with low prices. Extremely kind and generous staff. Highly recommend this place!

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Claire Small

Amanda found me a fantastic insurance quote and was professional, kind, and diligent. I didn’t hesitate to take it!

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Abril Hernandez

Edward did an amazing job finding me the best price. Great service and excellent customer care.

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Christina Saldana

Eduardo quickly connected me with Amanda, who made the process easy and stress-free. Highly recommend them both!

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Cooking with Gala

Edward provided friendly and helpful customer service. The process was quick and the prices were great. Highly recommend!

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Ednandez

Keyla made my insurance switch smooth and easy. Very nice and helpful! I recommend her to everyone.

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Ryan Anderson

Elsa was amazing and helped me find great insurance prices. Highly recommend her for anyone seeking affordable coverage.

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John

Edward was a huge help! Transparent, welcoming, and highly recommended for insurance services. Great company overall.

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John

Edward was a huge help! Transparent, welcoming, and highly recommended for insurance services. Great company overall.

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