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Do You Need To Carry Scooter or Moped Insurance?

motorscooter insurance

Despite how different they look from standard motorcycles, scramblers, or dirt bikes, motor scooters, or mopeds, as they are sometimes called, are in the same vehicle class as those bikes. This means that if you drive a scooter or a moped, you will have to carry the right auto insurance policy coverage and motorcycle license.

However, while liability coverage is the only insurance requirement when it comes to getting your scooter or moped insured, like with car insurance, several insurers recommend those with motorcycles, mopeds, or scooters have full scooter or moped insurance coverage. A motorbike can easily sustain more damage than a car after a collision or an accident. The good news is that mopeds and scooters are less costly to insure with basic coverage or comprehensive coverage than a car is.

Who Drives a Moped or Scooter?

People buy motor scooters and mopeds for the same reason they would buy a motorcycle or ATVs: they want to ride the roads more freely during the summertime.

That’s why motorcycle, scooter, and moped purchases are often seasonal things, with most sales taking place when the weather is warm. Gas prices also play a role in when people buy a scooter or moped. While prices for fuel rise, more people turn to motorbikes, scooters, or mopeds for fuel-efficiency.

How is a Scooter or Moped Different From a Motorcycle?

Motorcycles are generally more powerful than motor scooters or mopeds. Scooters and mopeds generally have engine sizes between 50 cubic centimeters, or cc, and 250 cc. It’s the design and transmissions of this type of two-wheeled vehicle which set scooters and mopeds apart. This makes riding and handling a scooter or a moped much easier.

People often think of a motor scooter or moped as being less riskier than a motorcycle -and it is since these types of scooters are more suited for beginner riders than any other type of motorcycle. But, insurance companies see scooters, mopeds, and motorcycles as one and the same when it comes to risk and levels of coverage. That’s the reason why mopeds and scooters need to be insured as well as any other type of motorbike.

How Much Scooter or Moped Insurance Do You Need?

Every state requires a different amount of vehicle insurance from the drivers using their roads -in cars, motorbikes, ATVs, scooters, or mopeds. They usually require liability insurance which covers property damage and personal injuries you cause to another driver and their vehicles. To find out if what kind of insurance is required for your specific scooter and what coverage options are right for you, speak with an insurance agent in your area.

As previously mentioned, it’s best to carry full scooter or moped insurance coverage to insure both yourself and your scooter or moped since you are more prone to property damage and medical injuries on such a vehicle during a collision or an accident. That’s why it’s so important not to keep your scooter or moped uninsured.

If you decide to have comprehensive coverage for your motorcycle, it will pay for covered losses that arise from events other than collisions, like theft, vandalism, or fire.

Uninsured/underinsured motorist protection, which in most states is an additional choice of coverage, pays for harm to a rider and their vehicle brought on by another party with insufficient insurance.

If you have an accident and damage your moped or scooter, collision coverage will pay for the repairs.

In the event that you are hurt in a scooter accident, medical payments coverage assists in paying your medical bills.

When it comes to registration and getting a motorbike license, you’ll have to take motorbike certification classes and have your scooter or moped registered with plates.

Again, scooter or moped insurance is cheaper than car insurance, so you can find some really low rates when comparing quotes for your scooter insurance policy premium from different insurers.

Shopping for scooter or moped insurance? Insurance Navy can help you out finding the best moped insurance coverage at the best price!

Don’t let high annual premiums stop you from driving insured. Contact Insurance Navy today for your free motorcycle insurance quote and see for yourself how cheap scooter insurance coverage can really be. Call us at 888-949-6289 or use our mobile app to request a quote. Agents are also available to help you in person at one of our many storefronts.

Updated: December 2023

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