Scooter Insurance
Affordable coverage for scooters and mopeds.
Typical cost: $100 – $500 per year
Scooter Insurance
Scooter insurance varies significantly based on engine size. Small scooters (under 50cc) may not require insurance in some states, while larger scooters (150cc+) need full motorcycle insurance. Urban use and theft risk are key considerations.
Coverage Requirements
Requirements vary by state and engine size. Scooters 50cc and under may be classified as mopeds with minimal requirements. Larger scooters are classified as motorcycles requiring liability coverage at minimum.
What's covered
Liability Coverage
Required for larger scooters in most states.
Collision Coverage
Covers damage to your scooter in accidents.
Comprehensive
Important for urban parking—covers theft and vandalism.
Medical Payments
Covers your injuries regardless of fault.
Uninsured Motorist
Protection from hit-and-run and uninsured drivers.
Tips
- • Check your state requirements based on engine displacement
- • Comprehensive is essential for urban theft protection
- • Use a quality lock in addition to insurance
- • Consider combining with renter's insurance for savings
- • Small scooters may be added to some homeowners policies
Other motorcycle insurance types
Sport Bike Insurance
Coverage for high-performance sport motorcycles.
Cruiser Insurance
Insurance for cruiser-style motorcycles.
Touring Bike Insurance
Coverage for touring motorcycles and long-distance riding.
Off-Road Bike Insurance
Protection for dirt bikes and off-road motorcycles.
Vintage Motorcycle Insurance
Specialized coverage for classic and vintage bikes.
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