Texas RV insurance

Texas is known for its independent spirit, making it a perfect match for RVers looking to explore everything the Lone Star State has to offer. From Hill Country to West Texas and beyond, Progressive is here to help you find the affordable protection you need for you and your motorhome or travel trailer. Find out everything you need to know about RV insurance in Texas, including legal requirements, discounts, coverages, and cost information.

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Does Texas require RV insurance?

If you drive a motorhome, RV liability coverage is required by Texas law and can pay for damage or injuries you cause on the road. If you need more coverage than the state minimum, you can increase your liability limits to protect your assets. Here are the coverages and minimum limits required by Texas law:

CoverageWhat it coversAmount
Bodily injury liability coverage (BI)What it coversInjuries you cause to others while driving your motorhomeAmount$30,000 per person
$60,000 per accident
Property damage liability coverage (PD)What it coversDamage you cause to another vehicle or property while driving your motorhomeAmount$25,000 per accident

The state of Texas also mandates uninsured/underinsured motorist bodily injury (UM/UIM BI), uninsured motorist property damage (UM PD), and personal injury protection (PIP) coverages, but you may reject or lower these coverages with the submission of a signed form.

Does Texas require camper insurance?

Texas law requires that you carry auto liability coverage for the vehicle pulling your camper, but the state doesn't require travel trailer insurance. It's important to note that your auto liability coverage won't cover damage to your camper, also known as a travel trailer. If you want to protect your travel trailer against damage, there are coverage options available. Learn more about travel trailer insurance.

Comprehensive and collision coverage

If you're financing or leasing your motorhome or travel trailer, lenders typically require RV comprehensive and collision coverage. But even if your RV is paid in full, comprehensive and collision can be valuable safeguards against damage to what may be one of your most prized assets. These coverages may cover up to the actual cash value of your RV if your motorhome or trailer is damaged, stolen, or totaled.

Comprehensive covers events out of your control, including RV theft, vandalism, fire, hitting an animal, and weather-related issues. Collision covers your RV if you collide with another vehicle, tree, fence, guardrail, or any object.

How much is RV insurance in Texas?

The average premium for a 12-month Texas RV insurance policy at Progressive for 2023 was $1,360.21 for a motorhome and $1,063.21 for a travel trailer. Progressive offers RV liability-only policies starting at just $125/year,* but your cost for RV insurance depends on many factors, such as:

  • Type and model: The more expensive your RV is to repair or replace, the more you pay to insure it. Larger, newer RVs often cost more than smaller, used RVs; motorhomes typically cost more than travel trailers or pop-ups.
  • Claims history: Your history of filing insurance claims may affect your rate.
  • Driving record: Violations can increase the price of your policy.
  • Location: Your ZIP code can influence the cost of RV insurance.

Texas residents can bundle and save with Progressive. Earn a multi-policy discount when you combine RV insurance with auto, homeowners, renters, boat, or motorcycle.

What's the best RV insurance in Texas?

Whether you're in Houston, San Antonio, Dallas, or anywhere else in Texas, the best RV insurance is an affordable policy with customized coverage. As a leader in RV insurance, Progressive provides affordable RV insurance in Texas without sacrificing the protection you need to cover your motorhome or travel trailer.

Looking for the cheapest RV insurance in Texas? See some of Progressive's RV insurance discounts:

  • Multi-policy discount
  • Advance quote discount
  • Association discount
  • EFT discount
  • Responsible driver discount

More RV coverages available in Texas

Get additional protection for your motorhome or travel trailer by adding the following optional coverages to your Progressive RV policy:

  • Total loss replacement: Covers the cost of a new motorhome or travel trailer if yours is totaled, provided the vehicle is less than five years old. After that point, the coverage pays the amount specified on your policy. If you have a new, never titled RV, you may be eligible for total loss replacement.
  • Roadside assistance: Covers the cost of a tow in case of dead battery, flat tire, or other break downs.
  • Replacement cost/personal effects: Covers personal items inside your motorhome or travel trailer, up to a specified amount, such as your smart phone, camping equipment, or television.
  • Emergency expense: Pays up to $2,000 for hotel and travel costs if your RV breaks down more than 50 miles from home. The minimum coverage amount is $750. If you have a full-timer's policy, emergency expense coverage may pay up to $7,500.
  • Vacation liability: If you're on vacation and someone is hurt in or around your motorhome or travel trailer, you may be covered up to a specified amount.
  • Pet injury: Covers vet bills up to $1,000, with no deductible, if your dog or cat is hurt in an RV accident.
  • Pest damage protection: Covers repairs up to a specified amount if a wild animal damages your RV.**
  • Roof Protection Plus®: May pay to repair or replace the damaged roof of your motorhome, even if the damage resulted from normal wear and tear.**

Find out additional information about our RV insurance coverages.

What if I live in my RV full time?

If your RV is your permanent residence, you may need additional coverage that a recreational RV policy doesn't offer. However, a full-time RV insurance policy may offer protection when your RV is your primary home with the following coverages:

  • Personal liability: Liability coverage on a full-timers policy can protect against liability claims if you're responsible for someone else's injuries or damages, even when your RV is parked
  • Medical payments: If someone hurts themselves in or around your RV, medical payments coverage may pay for their medical bills
  • Loss assessment: This coverage can pay for fees or charges from your RV association, up to $5,000

Fast facts for Texas RVers

  1. You must show proof of insurance to register an RV in Texas.
  2. In Texas, the cost to register an RV is determined by the weight of the vehicle.
  3. Looking for RV destinations in Texas? Cruise America offers its list of the 10 best RV-friendly road trip ideas in Texas.

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