Get Affordable RV Insurance Rates in Texas
OUR TOP INSURANCE COMPANIES
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.
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?
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
Explore
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
WHY CUSTOMERS LOVE CINCO AUTO INSURANCE?
Cashauna Burks
Edward was nice, he put up with me. Keep him, he will help you and negotiate and listen. Good rate
Google Review
Gonzalez Prestige
Very fast and reliable service I had misplace my paperwork and they found it in less than a minute thank you guys keep on the good work
Google Review
Tihesha Wise
Best quote I had in the past 3 days lowest quote for real! Quick sign up and rep was super patient and kind while he reviewed everything I really appreciate this.
Google Review
Samuel Uribe
I strongly recommend this place they gave me the best deals and worked with me.. Ana is the rite person to go to she will definitely help you.
Google Review
GoddesSina Qadesh
I am very satisfied!! Very reasonable price and was done in minutes. I definitely recommend.
Google Review
Nelly Merced
Jenireth was such an amazing help with setting me up with a car insurance. Very affordable prices and great customer service when calling.
Google Review
Terrance Wilson
Amanda was very helpful with getting insurance. She searched multiple companies to get me the best rate possible. Great customer service!.
Google Review
Marcela Contreras
Great service overall, agents were super helpful. All of our questions were answered and I have to say I do ask a lot of questions. Also, prices are accessible. Win-win. 😊
Google Review
Will
Amy is a really sweet lady. She helped me and insured me quick easy and smooth. Great customer service.
Google Review
Mike J
Yolanda was wonderful, well mannered, respectful, very professional and clear in regards to getting my policy. I give her a 10!!!.
Google Review
Luis Gallegos
Got my business insurance quick and easy and the right price. yolanda did a great job. If yall need insurance give her a call. You wont find better deal 👍👍🙏🙏
Google Review
Johnny Garcia
Yolanda has been the biggest help to find me the best insurance. Excellent customer service. She really cares about her clients.
Google Review
Luis Pantoja
Karina was absolutely GREAT!! GREAT!! customer services all around. Highly recommended 💯
Google Review
Crisantos Anselmo
Karina was so amazing 👏 she honestly deserves a raise!!! Made everything fast and easy! Super consistent with follow ups!!
Google Review
Dilaa Ruiz lo
Evelyn was very nice! She helped us find and get an affordable price for insurance. Recommend her if you’re looking for a fast and easy experience!
Google Review
Gran Love
The service was wonderful, Veronica explained it to me very calm and broke it down to help me understand everything. I appreciate the patience and kindness.
Google Review
Diana Ontiveros
Thank you to aime! Great customer service! Super attentive, great rates! Definitely will be recommending to my family and friends
Google Review
Sandra Aguallo
Veronica was very helpful and got me the lowest price out there ! 100% recommend going to her for the lowest rates!.
Google Review
Angel ADB
I had a great experience with Oscar! He provided excellent help and service, giving me a very competitive quote on my vehicle. Highly recommend!
Google Review
Linda.Lucas2974 Lucas
Best service I have ever had from insurance companies. Thank you Aime for your service and help I’m sorry but she is the best. She went above and beyond to help us!
Google Review
Linda.Lucas2974 Lucas
Best service I have ever had from insurance companies. Thank you Aime for your service and help I’m sorry but she is the best. She went above and beyond to help us!
Google Review