The mild climate, cultural opportunities, Texas Hill Country scenery, and proximity to some of the nation’s best recreational vehicle parks make this city a favorite with motorhome owners. Local RV parks have even been highly rated by expert guides like Woodall’s Magazine. If you live in the area, be sure to research Austin, TX RV insurance so you can find the right coverage at the right price.
An independent agent in the Trusted Choice® network can help you find the right policy for your vehicle. These local agents will answer your questions and compare a variety of Austin motorhome insurance quotes to help you find the best prices. Contact one of these agents right away for custom plans, personal service, and competitive rate quotes.
Local Motorhome Coverage Cost Estimates
- Texas required liability insurance minimums: $25,000 property damage coverage, $60,000 bodily injury coverage per accident, $30,000 bodily injury coverage per person
- Estimated yearly RV insurance premiums : $800 - $2000
- Estimated cost of Class A motorhome insurance: $1,000 - $1,300
- Estimated cost of Class C RV insurance: $800 - $3,000
- Estimated cost of trailer or 5th wheel RV: $170 - $1,000
- Insurance from an RV rental company: $15 - $75/day
Owners of motorized vehicles have to satisfy Texas minimum liability insurance requirements. Failure to comply can result in fines and other penalties. If your RV is not motorized, but is simply towed by another vehicle, you may be able to extend that vehicle’s coverage to include the trailer.
Generally, your rates for insurance coverage will depend on many unique factors. These include the type of RV or trailer you own, your driving record, and how you use your motorhome. For example, weekend campers may pay less than local residents who enjoy a full time RV lifestyle. Likewise, towed trailers will usually be less costly to cover than fully motorized vehicles.
Types of Recreational Vehicles
Your coverage choices and Austin RV insurance price will depend on the type of RV you own. If you are still in the market for a new RV, you may want to compare insurance quotes before you decide which type to buy.
- Class A motorhomes: These are the largest RVs. These vehicles have almost every amenity a home does, including living quarters, toilets, and kitchens.
- Class B motorhomes: These are camper vans or conversion vans.
- Truck campers: These sit on the back of a truck. They sometimes come in fifth-wheel varieties.
- Trailer campers: These are campers towed by your vehicle.
In addition, an insurer might consider the way you use your motorhome as they craft a policy for you. Consider the following usage types and how they might apply to your lifestyle:
- Recreational and occasional RV usage: This simply refers to the way an RV is used. In general, this means the owner still lives in a fixed location and uses the RV sometimes for recreation.
- Full time RV use: Many folks are turning to their recreational vehicle for full time use and have no fixed address.
- Commercial RV use: This applies to RVs that are rented out to the public.
Motorhome Policy Discounts
It's a good idea to ask about discounts you may qualify for on your Austin RV insurance. These may be similar to discounts offered on other types of vehicle policies. These are some common examples:
- Discounts for good driving history
- Multiple policy discount
- Discounts for vehicle safety systems
- Discounted rates for automatic debits or payment in advance
What Does Austin RV Insurance Cover?
As with any sort of vehicle, you may be offered a package of basic coverage.
- Liability: This may have to meet or exceed state minimum vehicle liability insurance.
- Collision: This insures your property if the vehicle is damaged in an accident.
- Comprehensive: This covers your property from non-accident damages like storms, thefts, or vandalism. Flash Flood Alley residents may be interested to note that only comprehensive insurance will cover floods.
- Contents: This insures the things you keep inside your RV. This coverage may be more important in a motorhome than a traditional vehicle because it is likely to contain more of your personal belongings.
- Roadside assistance: Your RV can break down just like a car can. You may choose to add an option to provide you with roadside assistance like towing and tire changes in case you ever have a problem.
In addition to basic coverage, you can also ask your agent about some options that will give you extra benefits if you need them.
Many Texans travel outside of the Lone Star State. Because of this state’s proximity to Mexico, RV owners might even take their campers across the border. Ask your agent how well you are insured when you cross a state or national border.
Compare Austin Motorhome Insurance Quotes
RV insurance might seem complicated, but it does not have to be difficult to find the right coverage at the right price for you. A local agent in the Trusted Choice network can help you select the best policy options and then compare rates from multiple companies. Get in touch with one of these member agents right away for more assistance with Austin RV insurance.