What are Alabama's RV insurance requirements?
Like other states, Alabama requires liability coverage for all motor vehicles, so RVs that move independently (motorhomes) need to meet Alabama’s minimum insurance requirements:
- $25,000 in bodily injury per person
- $50,000 in total bodily injury per accident
- $25,000 in property damage per accident
RVs that are pulled – travel and utility trailers, pop-ups, etc. – don't need to meet these coverage minimums because they are protected by the liability coverage for the vehicle that is towing them. You still need RV insurance to protect against physical damage to your travel trailer. Comprehensive and collision can pay to repair or replace your travel trailer if it’s stolen or damaged in an accident, regardless of fault.
RV insurance with Progressive can cost as little as $125/year.* Learn more about insuring your motorhome or travel trailer with an online quote.
What's included in an Alabama RV insurance policy?
Bodily injury and property damage liability coverage
Bodily injury and property damage (abbreviated BI/PD) are required under Alabama law. Bodily injury pays for injuries you cause to another party and property damage may pay for the damage you cause to someone’s else’s property. Choosing higher limits than the state requires can protect your assets if you need more liability coverage than the minimum limit.
Comprehensive and collision coverage
Comprehensive and collision can financially protect your vehicle against damage from an accident, regardless of fault. These coverages are optional under Alabama law, but many lenders require you to carry them.
Comprehensive coverage protects you from repair costs when your RV is damaged by a force you can't control. That includes fire, vandalism, severe weather, theft, glass breakage, and collisions with animals. Comprehensive coverage applies even if you're not operating the vehicle when the damage occurs, so you may be protected even if you live in the RV and don't drive it often.
Collision coverage can pay for damage to the RV from a collision with an object, including a sign, an object in the road, or another vehicle.
What if I live in my RV full-time?
If your RV is your primary residence, you may need more protection than what you can get with a recreational RV insurance policy in Alabama. Often called "full-time RV insurance" policies, insurance policies for permanent RV residents include these extra protections:
- Personal liability: The BI/PD coverage required by law only protects you while the RV is operational. A full-time policy with personal liability coverage can pay for damages you cause while the vehicle is parked.
- Medical payments: If someone injures themselves in your RV or in the area where it's parked, medical payments coverage may pay for their medical bills.
- Loss assessment: Can pay for repair costs to the area where your RV is parked (for example, if your association requires members to share costs for clean up after a storm).
Other RV coverages available in Alabama
We offer lots of other specialized RV coverages, including:
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.
Roadside assistance can pay to tow you to the nearest repair shop if your RV becomes inoperable on or near the roadway.
Replacement cost/personal effects extends insurance coverage, up to a specified limit, to the personal property in your RV, including cell phones, laptops, and more.
Emergency expense coverage may pay for accommodation and transportation if your RV is disabled in a covered event more than 50 miles from home.
Pet coverage protects your pets with up to $1,000 for veterinary expenses if they're injured in a covered event.
Pest damage protection can help pay to repair damage caused by wild animals like birds, mice, or raccoons.**
Roof Protection Plus® can pay to replace or repair your motorhome's roof, even if the damage is considered normal wear and tear.**
Discover all of our RV insurance coverages.
How much is RV insurance in Alabama?
Insurance rates for RVs are determined from several factors. Your personal price for Alabama RV insurance may be affected by:
- Type and model: The more expensive your RV is to fix or replace, the more you'll usually pay to insure it. Larger, newer RVs typically cost more, and motorhomes typically cost more than travel trailers and pop-ups.
- Claims history: Your history of making insurance claims can affect your rates.
- Use: The more time you spend in the RV and the more you drive it, the more coverages you may need which can result in a higher cost for your RV policy.
Learn more about how RV insurance rates are calculated.
RV insurance doesn't cover delamination, so be sure to inspect your RV frequently. Proper maintenance like resealing seams can help you prevent delamination. Learn more about RV insurance and delamination.
How can I get lower rates for RV insurance in Alabama?
Available discounts vary from state to state, but we offer a variety of discounts such as:
- Multi-policy: The more Progressive policies you have, the more you can save by bundling them.
- Accident-free: If you haven't had accidents or violations in the last three years, you'll earn a discount.
- Claim-free renewal: Earn a discount if you have no at-fault claims when you renew.
- Continuous insurance: Get a discount for already being insured when you start a policy with us.
See more discounts on RV insurance.
How to get RV insurance in Alabama
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