So now that we understand the difference between auto and RV coverage, let’s take a look at the specifics of what you get under an RV policy. Essentially, RV insurance acts as a hybrid between car and home insurance, offering additional protection for home and living essentials through specialized coverage plans. Depending on the policy you choose, it may include:
RV insurance isn’t the same thing as auto insurance, though many providers give you the option to bundle the two. But RVs have specialized concerns. To start, they can carry many more people than cars, and they cost more to repair. In addition to basic coverage, RV insurance can also offer more extensive protection, with coverage for personal belongings, emergency expenses for lodging, and higher damage rates.

Jonathan and Ashley Longnecker, full-time RVers and bloggers of TinyShinyHome.com, sold their new and oversized 5th-wheel trailer for a much smaller, compact vintage Airstream. Although a family of six, their original RV was very heavy, long, and tall, which made it more difficult to travel long distances without worrying about parking, turning, and hitting low overpasses. The family decided they’d sacrifice the extra space in order to travel lighter and with greater peace of mind. 

A-MAX Auto Insurance offers Texans affordable auto insurance with a package of primary coverages, which together makes up a standard auto insurance policy. Each of these auto insurance policies has its own separate premium. There are also other add-on auto insurance policies for additional premium costs. In addition to car insurance, we also offer motorcycle insurance, insurance for other vehicles like trailers and RVs, and Mexico tourist insurance.
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The coverage options that Good Sam’s Full Time RV Insurance provides include but are not limited to: personal liability, which is similar to vacation liability and pays for injuries that happen around the RV or on the customer’s property; medical payments to others, which covers the costs of medical expenses incurred by those who are injured while visiting the RV and/or the property around it; personal belongings coverage, which provides up to $3,000 of full replacement cost coverage at no extra cost; and an emergency expense allowance, which covers the costs of food and lodging if the customer is ever involved in a covered claim more than 100 miles from their home.

A-MAX is a Texas born and based company helping other Texans save money on automotive insurance. We provide low-cost car insurance, truck insurance, & insurance for all of the vehicles you own in over 17 Texas cities and growing. Since 2002 we've diligently worked to help our fellow Texans find lower cost auto insurance based on their own unique situation. It's your money; we think you should keep more of it for the same auto, car, truck, or SUV insurance. At A-MAX Auto Insurance, we offer low-cost Texas liability auto insurance, towing and roadside assistance, uninsured & underinsured motorist, comprehensive & collision, rental reimbursement, personal injury protection, and medical payments coverage.
Note that USAA ranked in the first or second spot in almost all cities, but we've excluded them from this table because the company only serves military and affiliated members. Below is also a deeper dive by the largest cities of the most affordable insurers by age and marital status to give drivers a further idea of the going rates for auto insurance. We've excluded USAA from the city specific tables as well.

The amount of insurance your RV requires will mainly depend on the type of motorhome or towable you own, how often you use it, and whether you plan to reside in it for six or more months out of the year. There are two types of recreational vehicles, the towable trailer and the motorhome, which falls into three categories: Class A, B or C motorhomes. Class A motorhomes are the largest and tend to be the most expensive. They often include luxury features, customized amenities, and permanent attachments that may require additional protection. Class B vehicles are the smallest type of RV, also known as “camper vans,” and are generally much cheaper to insure than larger motorhomes. Class C vehicles are a hybrid of Class A and B.
RV insurance can be very different from car insurance depending on the type of RV or motorhome you have and how much you use it. Whether you have a camper trailer for weekend getaways and day trips; a large RV for extended vacations; or a motor home that you use as your primary residence, The Hartford has RV insurance solutions that you can customize to meet your needs.
National General’s list of discounts is varied enough to provide every type of customer with a chance to lower their premiums and/or deductibles, but Baby Boomers are particularly well positioned to capitalize on them. For example, the company allows customers to bundle RV and auto policies under its One Convenient Policy program. National General also offers homeowners discounts that are easy for them to qualify for, as Boomers are more affluent than other generations on average and thus more likely to own a house and additional vehicles.
Bodily Injury (BI) Liability provides important protection if you injure someone and/or if an injury in an accident results in death while operating your car. This form of auto insurance is important and something you want to keep at a consistent level, even as your car gets older and declines in value. In the event of a serious accident, you want enough insurance (higher limits) to protect assets that may become subject to a lawsuit.
Which companies have the cheapest auto insurance rates in Austin, Texas? We suggest 30 year old drivers in Austin compare quotes starting at Texas Farm Bureau, Progressive, and GEICO. Auto insurance in Austin can cost drivers $2,191 a year, which is about 6% less than average in the Lone Star state. These three companies, however, have car insurance rates 44% less than the Austin average.

A-MAX Auto Insurance offers Texans affordable auto insurance with a package of primary coverages, which together makes up a standard auto insurance policy. Each of these auto insurance policies has its own separate premium. There are also other add-on auto insurance policies for additional premium costs. In addition to car insurance, we also offer motorcycle insurance, insurance for other vehicles like trailers and RVs, and Mexico tourist insurance.
Know when to cut coverage. Don’t strip away coverage just for the sake of cheaper insurance. You’ll need full coverage car insurance to satisfy the terms of an auto loan, and you’ll want it as long as your car would be a financial burden to replace. But for older cars, you can drop comprehensive and collision coverage, which only pay out up to your car’s current value, minus the deductible.

National General’s mechanical breakdown service provides coverage for up to one hour of labor at the site of a breakdown. Vehicles will be towed to the nearest RV repair facility without dollar or mileage limits. Additionally, once their RV has been repaired after a claim, the company re-inspects it upon request in order to ensure it is in top condition.
We take pride in giving you the specialized RV insurance coverages that ordinary auto insurance doesn’t provide. We understand the RV lifestyle, and have designed features and benefits to give you security, flexibility and affordability. And if you do need to make a claim, we have exceptional RV protections like Optional Full Replacement Cost Coverage1 and a staff of knowledgeable RV claims professionals to ensure your complete satisfaction. 

State Farm boasts a solid score in J.D. Power’s Customer Claims Satisfaction rating among our top picks (three out of five) and sits above industry average. That means that once you do file a claim, you can expect a smooth experience. If a positive customer experience is especially important to you, State Farm is likely to deliver superior service.

There is no denying GEICO is the fastest and cheapest option for Dallasites. At GEICO, you can start and buy a quote in less than 20 minutes and have a cheap rate. The main issue with GEICO will be if you need to file a claim as it doesn't get great marks on the J.D. Power survey for customer service. GEICO also tends to raise rates more than other competitors when you have an accident on your record.
One of Progressive’s add-on coverages includes a “disappearing deductible” option. This means that each year you don’t file a claim, Progressive will drop your rate by 25%. With this method, the company boasts that you could eventually have a $0 deductible. But it only stays this way as long as you haven’t filed a claim — if you do, your deductible will go right back up. Safeco also incentivizes safe driving with low deductibles. Safeco will reduce your collision deductible by $100 each year you don’t have a claim, but this incentive caps at $500.
If you’re drawn to the minimalist and tiny home movement, or simply enjoy traveling for a living, you’re probably interested in buying an RV. Travel trailers are still the most popular and common RVs, with many families opting for the larger, bus-sized motorhomes. Whichever you decide, it’s beneficial to analyze your family’s individual needs and weigh the pros and cons. 
Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies. Not all Nationwide affiliated companies are mutual companies, and not all Nationwide members are insured by a mutual company. Subject to underwriting guidelines, review, and approval. Products and discounts not available to all persons in all states. Nationwide Investment Services Corporation, member FINRA. Home Office: One Nationwide Plaza, Columbus, OH. Nationwide, the Nationwide N and Eagle, and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. © 2019 Nationwide Mutual Insurance Company.
1 In Texas, the Auto Program is underwritten by Southern County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company.
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Data was obtained from the Texas Department of Insurance for a thirty year old single male driver across 78 cities. He owns his car and uses it primarily for work purposes, averaging about 12,000 miles annually. Insurance policies include Texas’s minimum auto insurance liability requirements: $30,000 for bodily injury liability per person (up to $60,000 per accident), and $25,000 of property damage (30/60/25 coverage) liability insurance, 50/100/50, as well as 100/300/100. Car insurance costs are based on a 2011 Toyota Camry four-door sedan, with 2.5 liter/4 cylinder engine.

State Farm boasts a solid score in J.D. Power’s Customer Claims Satisfaction rating among our top picks (three out of five) and sits above industry average. That means that once you do file a claim, you can expect a smooth experience. If a positive customer experience is especially important to you, State Farm is likely to deliver superior service.
If you’re drawn to the minimalist and tiny home movement, or simply enjoy traveling for a living, you’re probably interested in buying an RV. Travel trailers are still the most popular and common RVs, with many families opting for the larger, bus-sized motorhomes. Whichever you decide, it’s beneficial to analyze your family’s individual needs and weigh the pros and cons. 
I always chuckled when someone said I saved blah blah blah on my car insurance. Then my car insurance went up by $269 for a 6 month period…so I called Standard Insurance. They were so nice and once the call was done I had saved $1400 on my car and homeowners insurance. I am now a believer and a Standard Insurance customer! I couldn’t be happier. Thanks Standard Insurance!

NerdWallet compared quotes from these insurers in ZIP codes across the country. Rates are for policies that include liability, collision, comprehensive, and uninsured/underinsured motorist coverages, as well as any other coverage required in each state. Our “good driver” profile is a 40-year-old with no moving violations and credit in the “good” tier.
So now that we understand the difference between auto and RV coverage, let’s take a look at the specifics of what you get under an RV policy. Essentially, RV insurance acts as a hybrid between car and home insurance, offering additional protection for home and living essentials through specialized coverage plans. Depending on the policy you choose, it may include:
Nationwide's insurance professionals can quickly design a car insurance quote that meets your precise needs, even for those on a budget. Rather than going with the cheapest car insurance quote, make sure the company you choose provides flexible coverage and billing options. For instance, Nationwide allows members to pay monthly, quarterly or semi-annually online, through the mail or over the phone. It’s important to keep long-term flexibility in mind when deciding on an insurance carrier, not just go with the cheapest car insurance option.
Safe Auto Group Agency, Inc and/or its affiliates (“Safe Auto”) is located and operated exclusively in the United States of America. Safe Auto does not offer goods and/or services in any language of an European county, does not deal in any European currencies, and does not underwrite risks for or issue policies to individuals or companies located in the European Union.

Usually, when people think of RVs, the first thing that comes to mind are the typical campervans packed with small appliances and elevated roofs, or the spacious and luxurious Class A motorhomes that cruise America’s Interstate Highways. While these are amongst the most popular RV models, RVs come in many shapes and sizes, and some are even designed just to store belongings, with no sleeping quarters or mini fridges in sight. However, RVs oftentimes include amenities such as cooking equipment and storage space. They can be self-motorized or towed behind a vehicle.

Note that USAA ranked in the first or second spot in almost all cities, but we've excluded them from this table because the company only serves military and affiliated members. Below is also a deeper dive by the largest cities of the most affordable insurers by age and marital status to give drivers a further idea of the going rates for auto insurance. We've excluded USAA from the city specific tables as well.
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The numbers we cite above are reflective of a 30 year old male driver who has a clean driving record and is single. Your own rates will change based on your own driving history and profile. The best way to determine who will give you the most affordable auto insurance is by comparison shopping. To start looking at car insurance quotes, put your zip code in one of the two boxes up top.
RVInsurance.com is partnered with twenty carriers known in the industry for their strong and consistent financial performance. Nationwide, the Foremost Insurance Group, National General, and Safeco Insurance are some of these carriers, to name a few. They share similar A-or-higher ratings with at least one of the large financial strength rating agencies.
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