Scooter and Moped Insurance

Scooters and mopeds have become more popular in recent years because of the increasing costs of gasoline and diesel fuel. Many commuters are tired of spending hundreds per month to get to work and have taken to riding economical and fuel-efficient mopeds or scooters. But because moped and scooter riders are largely unprotected, the rates of injury, even at low speeds, are greater than for standard vehicle drivers. That's why it's so important to have the right coverage to protect you in case of an accident.

A local independent insurance agent can help you get equipped with the right scooter or moped insurance. They'll get you matched to the ideal policy for your specific vehicle. But first, here's a closer look at moped and scooter insurance.

Is Moped or Scooter Insurance Required?

Scooter or moped insurance may be required, depending on the laws in place in your state. If coverage is required, the availability and cost will vary by jurisdiction. In most states, motorcycle liability insurance is required by law if the bike's engine is 50cc or greater. Further, your lender may require you to carry insurance for your scooter or moped if you finance your bike.

Is Scooter or Moped Insurance the Same as Motorcycle Insurance?

Scooter or moped insurance is not exactly the same as motorcycle insurance. The fundamental difference is that scooters don't have the horsepower or speed capacity motorcycles do. Moreover, scooters aren't typically allowed to operate on expressways, where vehicle speeds can exceed 65 mph. However, you can often find motorcycle insurance policies designed to cover scooters or mopeds. An independent insurance agent can help find the right kind of policy for your scooter or moped and ensure you don't end up with too much coverage.

What Does Scooter or Moped Insurance Cover?

Scooter or moped insurance policies can be customized based on your desires. However, at minimum, you might be legally required to carry liability insurance for your scooter or moped. Here are some of the most common coverage options for scooters and mopeds:

• Liability insurance: This is typically broken into bodily injury liability coverage and property damage liability coverage. This insurance can reimburse riders for lawsuit expenses related to third-party claims of bodily injury or personal property damage caused by them or their bike.
• Collision insurance: Pays for damage to your scooter or moped from a collision with another object, regardless of fault. 
• Comprehensive insurance: Pays for damage to your scooter or moped due to a non-collision event such as a flood or theft. 
• Medical payments insurance: This can pay for the cost of medical treatment for injuries to you or your passengers after a collision, regardless of fault.
• Roadside assistance coverage: This can pay for the cost of professional services, such as a tow truck, if your scooter or moped breaks down on the side of the road.
• Trip interruption coverage: This can pay for expenses such as food, lodging, lost deposits, and transportation if your scooter or moped breaks down a certain distance away from your home, such as 100 miles.
• Uninsured/underinsured motorist insurance: This can reimburse you for expenses after a collision if the other driver or rider doesn't carry enough insurance of their own to cover their portion of the damages.

A local independent insurance agent can help you assemble a solid scooter or moped insurance policy that includes every type of coverage you need.

How Much Is Scooter or Moped Insurance?

The cost of moped or scooter insurance can depend on your driving record and other factors. It also varies from one location to another. If you live in a high-risk area for scooter or moped thefts and collisions, or if you have a record of traffic violations, you'll likely pay more for scooter or moped insurance than if you live in a small town and have a clean driving record. However, because the speed and risks of scooter and moped operation are lower than the risks of riding a motorcycle, the cost of their insurance is also typically lower.

You can find liability-only scooter or moped insurance policies for as little as $75 per year. If you add more types of coverage to your policy, your premiums will increase. An independent insurance agent can help you find affordable scooter or moped insurance in your area.

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An Independent Insurance Agent Can Help You Find Scooter or Moped Insurance

Getting moped or scooter insurance can be easy since most major insurance companies carry this coverage. However, an independent insurance agent can help simplify this process by shopping and comparing quotes and policies from multiple carriers in your area. They'll ultimately get you matched to the policy that offers the best blend of coverage and cost. And down the road, your agent can help file insurance claims for you and update your coverage as necessary.