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: