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Compare scooter insurance
Find the right type of coverage for your two-wheeled ride.
Each state has its own set of rules and requirements for scooter and moped insurance. Find the best deal on scooter insurance no matter what bike you’re riding.
Compare scooter insurance
What's in this guide?
- Compare scooter insurance
- Do I need scooter insurance?
- How much does scooter insurance cost?
- How can I get cheap scooter insurance?
- What factors affect my scooter insurance rates?
- What kind of scooter coverage do I need?
- What scooter add-on coverage should I consider?
- Do different kinds of scooters have different insurance requirements?
- What should I watch out for?
- Bottom line
- Common questions about scooter insurance
Do I need scooter insurance?
It depends on your particular set of wheels and where you live. A scooter is generally classified as a two-wheeled vehicle with a low-powered engine ranging from 50cc to 500cc. If your vehicle has an engine smaller than 50cc — or top speeds below 30 mph — it’s likely classified as a moped. Requirements for scooter and moped insurance vary by state and the insurance company.
Some states don’t require coverage for mopeds or scooters with smaller engines. In these states, you’ll want to consider if you can comfortably cover the costs of an accident on your own to determine if you need coverage.
How much does scooter insurance cost?
Scooter insurance is generally one of the cheapest forms of insurance available, with lower-powered scooters being cheaper to insure because they’re limited in where they can go. Basic coverage for scooters can be as cheap as $75 a year.
How can I get cheap scooter insurance?
Here are a few ways to rack up discounts on your scooter insurance:
- Bundling. Insure your home, car and scooter with one company.
- Responsible driver. No claims or violations on your driving record for the past three years.
- Safety course. Complete a state-approved rider safety course.
- Motorcycle endorsement. Have a motorcycle license or endorsement.
- Safety gear. Use helmets and other safety gear.
- Anti-theft. Install anti-theft measures for your scooter.
What factors affect my scooter insurance rates?
As with car insurance, scooter and motorcycle insurance requirements vary. The year, make and model can affect your coverage, as can several driving factors.
- Size of your engine. Scooters with smaller engines can’t drive as fast, lowering your chances of an accident.
- Security systems. Antitheft measures can lessen the chance of your bike being stolen.
- Mileage. Usage-based insurance let you only pay for the miles you ride, ideal for weekend riders instead of commuters.
- Your riding history. The longer you’ve been riding without accidents and claims, the lower your premiums may be.
- Safety in your area. If you live in an area with a high crime rate or with frequent accidents, expect more expensive coverage.
- The value of your scooter. Newer, more expensive scooters usually cost more to insure because they cost more to replace.
What kind of scooter coverage do I need?
Many insurance providers cover scooters under standard motorcycle policies, often at a lower rate. Standard scooter insurance coverage typically includes basic liability coverage for bodily injury and property damage to others, which covers medical bills and repair costs for someone else if you cause an accident.
In addition to basic liability coverage, there are additional coverage types available for increased coverage:
- Comprehensive and collision. Repair or replace your scooter if it’s damaged or stolen.
- Contents and belongings. Replace items like laptops or phones that fall off your scooter during a ride.
- Underinsured motorist. Protects you and passengers from injuries or damage caused by a driver without enough insurance.
- Medical payments. Offsets medical bills if you or your passenger are injured, since scooterists are at a higher risk of injury.
- Trip interruption. Trip interruption coverage pays for food, lodging and alternative transportation if your scooter breaks down.
What scooter add-on coverage should I consider?
If this is your first time owning and insuring a scooter, consider a few factors that you might not think about if you’re used to driving a car. Some add-on coverage may include:
- Helmet. Replace your helmet after an accident, since it won’t be safe to wear again.
- Personal items and gear. Covers the cost to replace stolen or damaged gear.
- Rental car. Coverage for a rental car if your scooter is stolen or damaged.
- Windshield and glass damage. Covers damage to the windshield and side mirrors.
- Total loss. If your scooter gets totaled, you can buy a new scooter of the current model year.
Do different kinds of scooters have different insurance requirements?
Your coverage will vary depending on the type of your scooter as well as its engine capacity.
- Moped. Mopeds have engines smaller than 50cc, and the lower the power, the cheaper your insurance rates.
- Vintage or antique. If your classic bike is at least 25 years old, consider agreed value coverage to protect you from a total loss.
- Custom. Customized bikes are typically covered up to a certain amount, or you can increase your coverage amount.
- Sport, high performance or street bikes. Built for speed, these bikes might need additional coverage and higher limits.
- Trike. These three-wheeled scooters are usually included in standard scooter policies.
What should I watch out for?
When you buy your policy, make sure you fully understand your coverage exclusions to avoid unexpected fees or voiding your policy.
For example, if a theft happens at your house and the scooter isn’t in the garage, you might not be covered or you might void your garage discount.
You also may not be covered for anything but liability when borrowing someone else’s scooter, so your friend would be responsible for repairs on their own scooter if you got in an accident.
Your new scooter may turn into your favorite mode of getting around town. Make sure you’re covered with the right insurance if you’re involved in an accident. Our insurance comparison tool is a great place to start your research.
Common questions about scooter insurance
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