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  • Writer's picturejoseph retcho

Moped or Scooter Insurance?


moped parked in front of house

If you ride a moped or scooter, you may not be required by law to insure your ride. However, depending on your state's laws, you may be required to carry insurance on these two-wheeled vehicles.


If you finance or lease one of these vehicles, the finance company will almost always require insurance to protect its investment. Also, if you spent a lot of money on the bike, you might want to protect your investment by insuring it.


When riding your moped or scooter, you should always ride responsibly. You'll want to be covered in the event of an accident or other mishap. Here are some insights into the differences between these two-wheeled motorized vehicles and the possible coverages.


Insurance for Mopeds and Scooters

Some standard auto insurance coverages may be available for your moped or scooter. Check with your local independent agent for information on the following common coverages:

  • Liability. If you are found to be at fault for causing damage as a result of an accident while riding your scooter or moped, liability coverage may cover those costs up to the limit you choose. Liability coverage applies to damage to another's property and bodily injury to others due to the accident. Medical bills and lost wages are two examples of damages that may be covered by liability insurance.

  • Collision. Collision coverage assists in covering the costs of repairing your scooter if it collides with another vehicle or a fixed object. The actual cash value of your scooter or moped, less the deductible amount you selected when you purchased the policy, is typically the maximum collision coverage payout.

  • Comprehensive. Comprehensive coverage assists in covering the costs of non-collision-related events such as theft, storm damage, or vandalism. If your scooter is stolen or vandalized, both will typically be covered by your comprehensive insurance, up to the limits of your policy, and minus your deductible.

  • Medical expenses. Medical payments may cover medical expenses incurred by you or a passenger as a result of an accident involving your scooter or moped, up to the limits of your policy. It makes no difference whether the accident was your fault. The extent of coverage varies by state.

  • Uninsured or underinsured Motorist. This coverage can help pay for damages such as medical costs incurred as a result of an accident caused by someone who does not have insurance or has insufficient insurance coverage. It may be offered as a combined coverage in some states, while it may be offered as two separate coverages (one for uninsured and one for underinsured motorists) in others.


How Much Does Moped or Scooter Insurance Cost?


The cost of insuring your moped or scooter depends on several factors. Certain coverages may be required in your state. A minimum requirement may include basic liability and medical payments. However, as previously stated, only lenders will typically require you to obtain collision and/or comprehensive coverage.


Premiums vary between insurance companies that offer these policies. If you live in a state where insurance is optional, you should weigh the cost of insurance against the potential financial consequences of an accident in which your vehicle is damaged or injuries occur.


What Is the Difference Between Motorcycles, Scooters, and Mopeds?

A scooter is a two-wheeled vehicle that can be classified as a moped or a motorcycle based on three key factors. A moped is a two-wheeled vehicle that meets all three of the following criteria:

  • Engine capacity of 50 cc or less.

  • Maximum brake horsepower is two.

  • On a flat surface, it cannot exceed 30 miles per hour.


A motorcycle, on the other hand, is a two-wheeler with a manual gearshift, an engine displacement greater than 100 cc, and the ability to travel faster than 30 mph on a flat surface. Motorcycles typically have engine sizes that allow them to be operated on both local and highway roads.


More Information on Motorcycle Insurance

We can help you find the coverage you need to protect your two-wheeled vehicle, no matter which one you choose. Find out more about motorcycle insurance.

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