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Do You Need Insurance for Mopeds and Scooters?

Depending on the laws of your state, you may be required to carry insurance for your two-wheeled vehicle — especially if you are leasing it. Additionally, having insurance helps protect your investment in case an accident happens. Most states classify scooters as motorcycles if the engine is larger than 50ccs, the only exception is Nebraska which may classify it as a scooter if it has pedals.

Even if your state does not require insurance, it's still a good idea in case your scooter is totaled. You may not be able to pay for out-of-pocket expenses, or cover other people's injuries or damaged property.

How Much Does It Cost to Insure a Moped or a Scooter?

Insuring a moped will cost $75 to $250 per year. Many factors have to be considered when determining the cost of insuring your moped or scooter. Your state may require certain coverages, most require basic liability and medical payments. If you are financing, your lender may also require comprehensive and/or collision coverage. Premiums will vary by the insurance carrier, but when shopping around, it's good to consider the cost of monthly premiums versus how much you would have to pay out of pocket if an accident or non-collision event occurs.

What Does Moped and Scooter Insurance Cover?

Moped and scooter insurance can offer the following protections:

Collision Protection

Collision coverage protects your moped/scooter after an accident no matter the circumstances; for example, if you have a fixed-object collision or hit another vehicle. Generally, the maximum payout is the cash value of your vehicle, minus any deductible. Collision coverage doesn't always include uninsured/under-insured coverage. Consider adding UM/UIM to your coverage to protect you against uninsured drivers.

Bodily Injury and Property Damage Liability (Bi/PD)

If you are at fault for an accident, liability coverage reimburses affected motorists for any costs associated with the collision up to the limit you select. This includes property damage, medical costs and legal expenses if you are sued following the accident.

OEM Endorsement

This optional coverage helps make sure your moped/scooter is repaired with parts from the original equipment manufacturer (OEM), if available.

Comprehensive Coverage

This protects your moped/scooter from non-collision events like wind, fire, theft, water, vandalism and storm damage — minus your deductible and up to the limits of your policy.

Uninsured/Underinsured Motorists

This optional coverage helps protect you if you were hit by an uninsured or underinsured driver. For example, if it's a hit-and-run accident or the other driver doesn't have any insurance — you would not have to pay out-of-pocket.

Carried Contents Coverage

Coverage for any belongings that are stolen or damaged while driving your moped/scooter.

Coverage Limits on Moped and Scooter Insurance

Just like motorcycle insurance, the limits for moped and scooter insurance depend on how much you want to pay. Typically, liability coverage is standard and you can get comprehensive, an OEM rider, uninsured/underinsured coverage and collision as optional coverage. You can get as much coverage as you want — if you're willing to pay higher premiums.

Insuring a moped will cost $75 to $250 per year.

It might sound more cost-efficient to get the bare minimum, but consider what you would have to pay out-of-pocket if you get in an accident or your moped/scooter gets stolen. Coverage requirements vary by state — it's recommended that you get liability, comprehensive, and collision coverage. For basic motorcycle insurance, the minimum liability limits are $30,000 for each person, $60,000 per accident and $25,000 for property damage.

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Which States Require Moped & Scooter Insurance?

Each state has its own definition of mopeds and scooters. States like Georgia don't differentiate between motorcycles and scooters; generally, if your two-wheeled vehicle has an engine that's 50cc or greater, it's typically considered a motorcycle and requires insurance and registration. In states like Montana and Florida, if you are financing your scooter, you are required to have motorcycle insurance. Below is a list of states that require scooter or moped insurance:

State

Requires Insurance for Scooters

Requires Insurance for Mopeds

Alabama

Yes

Yes

Alaska 

Yes

Yes

Arizona

Yes

Yes

Arkansas

Yes

No

California

Yes

Yes

Colorado

Yes

Yes

Connecticut

Yes

No

Delaware

Yes

No

District of Columbia

Yes

Yes

Florida

No

No

Georgia

Yes

No

Hawaii

Yes

No

Idaho

Yes

No

Illinois

Yes

Yes

Indiana

Yes

No

Iowa

Yes

Yes

Kansas

Yes

No

Kentucky

Yes

No

Louisiana

Yes

Yes

Maine

Yes

Yes

Maryland

Yes

Yes

Massachusetts

Yes

No

Michigan

Yes

No

Minnesota

Yes

Yes

Mississippi

Yes

Yes

Missouri

Yes

No

Montana

No

No

Nebraska

Yes

No

Nevada

Yes

No

New Hampshire

No

No

New Jersey

Yes

Yes

New Mexico

Yes

No

New York

Yes

Yes

North Carolina

Yes

No

North Dakota

Yes

Yes

Ohio

Yes

No

Oklahoma

Yes

Yes

Oregon

Yes

Yes

Pennsylvania

Yes

Yes

Rhode Island

Yes

Yes

South Carolina

Yes

No

South Dakota

Yes

Yes

Tennessee

Yes

No

Texas

Yes

Yes

Utah

Yes

Yes

Vermont

Yes

Yes

Virginia

Yes

No

Washington

No

No

West Virginia

Yes

Yes

Wisconsin

Yes

Yes

Wyoming

Yes

No

Just like motorcycle insurance, the limits for moped and scooter insurance depend on how much you want to pay.

What's the Difference Between a Moped, Scooter and Motorcycle?

It's easy to see why people use the terms moped, scooter and motorcycle interchangeably; they are each smaller than a car, get better gas mileage and require little maintenance. However, there are a few key differences that set these motorbikes apart.

Moped

Scooter

Motorcycle

Only 25 states require insurance

Most states require insurance

Nearly all states require insurance (46 plus D.C.)

Engine is smaller than 50 cubic centimeters

Engine is between 50cc and 250cc

Engine is over 250cc

Use pedals along with a motor

Mix of automatic and manual transmissions

Manual gearshift

Not capable of exceeding 30 miles per hour 

Can reach speeds of 60 or 70 mph

Can reach speeds of 160 mph and more

Cannot be driven on the highway

May or may not be permitted to drive on the highway

Can be driven on the highway

FAQs

Do you need insurance if you're renting a moped or scooter?

Laws will vary from state to state, but most rental companies offer moped or scooter rental insurance if it's required by the state.

Will motorcycle insurance cover a moped or a scooter?

It depends on your insurance company. Some motorcycle policies provide coverage for mopeds and scooters while other insurance carriers have specific policies. Coverage may also vary from state to state.

Do you need insurance to register a moped?

Requiring insurance to register a moped depends on the state. Not all states require registration or insurance.

Insuring Your Scooter or Moped

Mopeds and scooters have become an increasingly popular way to travel within the city. They require less gas and maintenance, and their smaller frames make it easier to navigate through traffic and find parking spaces. Many states require motorcycle insurance, but regardless insurance can protect you from unexpected events.

SmartFinancial can help you zip along without fear of financial ruin if you hit debris, get hit by an uninsured motorist or even have your personal belongings stolen from your scooter/moped. Simply enter your zip code below and fill out a brief questionnaire to get free motorcycle insurance quotes in your area.

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