How to get the right type of coverage for your two-wheeled commuter.
Riding a scooter can be a fun, cost-effective way to get to your destination. But chances are, like any vehicle, they need to be properly insured. Knowing the ins and outs of this niche type of policy is key to getting the coverage you need.
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 provider. Some states don’t require coverage for mopeds or scooters with smaller engines. Consider the consequences and costs of an accident when deciding whether or not to purchase scooter insurance.
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 typically includes basic liability coverage for bodily injury and property damage to others, which covers medical bills and repair costs if you cause an accident.
In addition to basic liability coverage, there are additional coverage types available for increased coverage:
- Comprehensive and collision. This optional coverage helps pay to repair or replace your scooter if it’s damaged or stolen.
- Carried contents and belongings. Lose something during a ride? This optional coverage will help replace items, like laptops or phones, that fall off your scooter during a ride.
- Uninsured or underinsured motorist coverage. This optional coverage will protect you if you or any of your passengers suffer injuries or property damage caused by a driver without insurance.
- Medical payments coverage. Scooterists are at a higher risk of injury or accident than car or truck drivers. This optional coverage can help offset medical bills if you or your passenger are injured in an accident, regardless of who’s at fault.
- Trip interruption coverage. If your scooter breaks down during a long road trip, trip interruption coverage pays for food, lodging and alternative transportation while your scooter is in the shop.
What scooter add-on coverage should I consider?
If this is your first time owning and insuring a scooter, there are a few factors to consider that you might not think about if you’re used to driving a car. Some add-on coverage may include:
- Helmet coverage. Once your helmet is “used” in an accident, it’s not safe to continue wearing it. Helmet coverage can help cover costs for a new one.
- 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 coverage. If your scooter gets totaled, total loss coverage pays the retail price of the current model year version of your scooter.
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, generally falling in the lower end of the purchase price and insurance cost spectrum.
- Vintage and antique. If your classic bike is 25 years or older, you can add on agreed value coverage to protect you from a total loss.
- Customized. Customizations up to a certain amount are covered on most plans, and you can add on customization coverage to protect damages past that amount.
- Sport and high performance. Commonly referred to as “street bikes,” these bikes are built for speed. They’re covered under most motorcycle plans and you can opt in for additional coverage and higher limits.
- Trike. These three-wheeled scooters are usually included in standard scooter policies.
How can I get cheap scooter insurance?
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.
Here are a few ways to rack up additional discounts on your scooter insurance:
- Bundling discount. Insure your home, car and scooter with one company.
- Responsible driver discount. No claims or violations on your driving record for the past three years.
- Safety course discount. Complete a state-approved rider safety course.
- Motorcycle endorsement discount. Have a motorcycle license or endorsement.
- Safety gear discount. Use helmets and other safety gear.
- Anti-theft discount. 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 are naturally restricted as to how fast they can go and what roads/highways they can take, which can lower your chances of an accident.
- Security systems. Antitheft measures can lessen the chances of your bike being stolen.
- Weekly mileage. Usage- or mileage-based insurance options allow you to only pay for coverage for the miles you ride. This is a good option if you plan to use your scooter as more of a weekend hobby than an everyday commute.
- Your riding history. Keep your premiums low by maintaining a clean driving record. The longer you’ve been riding, the lower your premiums may be.
- Safety in your area. If you live in an area with a high crime rate or with frequent scooter accidents, your coverage will likely be more expensive.
- The value of your scooter. Newer, more expensive scooters are usually more expensive to insure.
How do I buy scooter insurance?
Scooter insurance is widely available and is sometimes even included in a standard motorcycle policy. The cost of your premium is typically determined by the size of your engine. Most major carriers offer scooter insurance with a range of coverage options. Research different quotes online before choosing a provider to get the best value.
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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 is responsible for repairs on their own scooter.
Your new scooter may quickly become your favorite mode of transportation for 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.