Alabama RV insurance

Alabama offers RVers a variety of experiences, including beach vacations, state park camping, and national sporting events. From Gulf Shores to Oak Mountain to Talladega Superspeedway, Alabamans can find affordable protection for their motorhomes or travel trailers with Progressive. Find out everything you need to know about RV insurance in Alabama, including legal requirements, discounts, coverages, and cost information.

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Is RV insurance required in Alabama?

If you drive a motorhome, RV liability coverage is required by Alabama 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.

Coverage	What it covers	Amount
Bodily injury liability (BI)	What it coversInjuries you cause to others while driving your motorhome	Amount$25,000 per person $50,000 per accident
Property damage liability (PD)	What it coversDamage you cause to another vehicle or property while driving your motorhome	Amount$25,000 per accident

The state of Alabama also mandates uninsured/underinsured motorist bodily injury coverage, but you may reject or lower these coverages with the submission of a signed form.

Is insurance required on a travel trailer in Alabama?

Alabama law requires that you carry auto liability coverage for the vehicle pulling your travel trailer. It's important to note that your auto liability coverage won't cover damage to your 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

RV comprehensive and collision coverages are optional if you own your RV outright. But we understand the value that many motorhome or travel trailer owners place on their home away from home. It may be worthwhile to add comprehensive and collision coverage if you want to protect your RV against damage. These coverages may cover up to the actual cash value of your RV if it's damaged, totaled or stolen. If you're financing or leasing your RV, your lender likely requires comprehensive and collision coverages.

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 does it cost to insure an RV in Alabama?

The average premium for a 12-month Alabama RV insurance policy at Progressive for 2023 was $1,090.38 for a motorhome and $744.64 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; and 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.

Alabama RVers 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 Alabama?

Whether you're in Huntsville, Birmingham, Montgomery, or any other city in Alabama, the best RV insurance is an affordable policy with customized coverage. A leader in RV insurance, Progressive provides affordable RV insurance in Alabama without sacrificing the protection you need to cover your motorhome or travel trailer.

Looking for cheap RV insurance in Alabama? See some of Progressive's RV insurance discounts:

Multi-policy discount
Advance quote discount
Original owner discount
Paid in full discount
Transfer discount

More RV coverages available in Alabama

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 Alabama RVers

According to RV Share, Alabama has a trailer length limit of 28.5 feet, motorhome length limit of 45 feet, width limit of 8.5 feet, and a height limit of 13.5 feet.
Alabama doesn't require a special license to operate an RV outside of a standard Class D drivers license.
North Alabama offers a delightful change of pace for RVers who prefer forests and lakes to the beach. Check out this itinerary for a perfect RV trip through North Alabama.