The cost of RV insurance in Texas can vary based on several factors. These include the type, size, and value of your RV, how often you use it, your driving history, and the level of coverage you choose. On average, RV insurance in Texas can range from $500 to $1,500 per year for a standard policy. However, more luxurious motorhomes with extensive coverage can cost upwards of $2,000 to $3,000 annually.
Factors Affecting RV Insurance Costs in Texas:
- RV Type:
- Towable trailers (like fifth wheels) typically cost less to insure.
- Motorhomes (Class A, B, or C) tend to be pricier due to higher repair costs and increased risk.
- Coverage Options:
- Basic liability will cost less but offers limited protection.
- Adding comprehensive and collision coverage or roadside assistance will increase the premium.
- Usage:
- Full-time RV users often pay more since their RV doubles as their home.
- Location:
- Texas-specific risks, such as hurricanes or hailstorms, may impact rates.
- Driving Record:
- A clean record can save you money on premiums.
For the most accurate estimate, it’s best to compare quotes from insurance providers like Progressive, Geico, or State Farm. Many of them offer free tools online to calculate your coverage costs.