Pricing

In addition to the purchase price, camper van owners face costs like specialized insurance ($800-1500/year), higher maintenance expenses, campground fees ($25-75/night), propane ($20-40/month), and mobile internet ($100-300/month). They should also budget for toll roads, unexpected repairs, and full-timers might need mail forwarding, storage units, and laundromats.

Options include RV loans (7-20 year terms), personal loans (shorter terms, higher rates), home equity loans (lower rates if you own property), manufacturer financing, and credit unions (often better rates than banks). For DIY conversions, consider separate financing for the van and conversion costs. Pre-approval strengthens your negotiating position.

DIY camper van conversions range from $5,000 to $60,000. Budget builds, costing $5,000-$15,000, use basic materials, while mid-range projects average $15,000-$30,000, with improved systems. High-end conversions, $30,000-$60,000, include quality components. Major expenses are electrical, insulation, kitchen, bathroom, and furniture, each costing a few thousand dollars depending on the quality and complexity of the setup.

Specialized RV insurance from companies like Progressive, Good Sam, or National General offers the most comprehensive coverage for camper vans. Look for policies that include full replacement cost for custom builds, personal property coverage, roadside assistance, and full-timer coverage if living in your van. Always disclose conversions to avoid claim denials.

Always get a professional mechanical inspection before purchase. Check for water damage and rust thoroughly, especially around windows and roof seams. Test all systems (electrical, plumbing, appliances) during inspection. Review maintenance records and verify mileage. For conversions, request build documentation and component warranties. Consider hiring an RV inspector for professional assessment.

Beyond purchase price, budget for specialized insurance ($1,000-3,000/year), higher maintenance costs (30-50% more than regular vehicles), campground fees ($25-75/night), propane refills, mobile internet ($100-300/month), storage when not in use ($50-200/month), and unexpected repairs. Depreciation can be significant, especially for newer models.

A basic DIY conversion costs $5,000-15,000 beyond the van purchase. Mid-range builds with quality components average $15,000-30,000. High-end conversions with premium materials and complex systems can exceed $50,000. Major cost factors include electrical systems, insulation, kitchen components, bathroom facilities, and custom cabinetry.

When traveling internationally in a camper van, secure vehicle insurance meeting each country's minimum requirements and comprehensive travel insurance with emergency medical evacuation. Consider supplemental roadside assistance with international coverage. Verify your belongings are covered, and know some countries require insurance at the border. Keep insurance documentation in multiple languages, both digitally and physically.