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Mopeds and scooters can make getting around easier. With small engines and compact frames, you can get around town without consuming gas or struggling to find a good parking spot.
But for all the convenience of a moped or scooter, it can come at an additional cost – you may need to purchase insurance.
What is a moped or scooter?
Mopeds and scooters are small two-wheeled vehicles powered by gasoline engines.
- Mopeds generally have an engine of less than 50 cubic centimeters (50 cc) and are not intended for highway travel. The maximum speed usually does not exceed 30 mph.
- Scooters often have larger engines that exceed 50cc (sometimes up to 250cc) and the more powerful ones can reach speeds of up to 75mph. But even then, you may not be able to drive your scooter on a highway, depending on the engine size and minimum horsepower in your state.
Mopeds and scooters should not be confused with the electric scooters commonly seen on the streets and sidewalks of many American cities. Electric scooters are usually battery powered, do not require a driver’s license, and often cannot exceed 15-20 hours. Since electric scooters generally require users to stand, they may be excluded from moped, scooter and motorcycle insurance.
Do i need moped or scooter insurance?
Most states require you to have automobile liability insurance in order to operate your moped or scooter on public roads if it has an engine displacement of 50cc or more or can reach a top speed of 30mph or more. If your moped is less than 50cc or can’t reach 30mph, you probably won’t be required to purchase insurance.
An auto insurance policy is not appropriate for a moped or scooter. Some insurers cover mopeds and scooters as part of their motorcycle insurance policies. Other insurers offer separate policies for mopeds or scooters. If you are renting or financing a moped or scooter, the lender or leasing company will likely require you to insure it.
What does the moped and scooter insurance cover?
Typically, moped and scooter insurance has similar types of coverage to motorcycle and auto insurance, including:
- Civil liability for bodily injury and material damage. This covers property damage and personal injury you cause to others.
- Collision and multi-risk insurance. These are two distinct types of coverage that are often sold together. Collision coverage pays for repairs if you damage your moped or scooter in an accident. Comprehensive insurance covers problems such as theft, vandalism, floods, fires and collisions with animals. If you have a lease or loan, your leasing company or lender will likely ask you to purchase these types of coverage.
- Contents transported and personal effects. This covers your belongings that are damaged, stolen or lost while you are riding the moped or scooter.
- Medical payments. If you have an accident, this covers medical and funeral expenses for you and your passengers, regardless of who was at fault.
- Uninsured or underinsured motorists. It pays for your medical bills, lost income, and other expenses if someone hits you and they don’t have liability insurance or have inadequate coverage.
Discounts on insurance for mopeds and scooters
When you insure a moped or scooter, you can benefit from a discount such as:
- Multi-policy discount. Bundled insurance consists of taking out two or more policies with the same insurance company and receiving a discount. You may be able to bundle moped or scooter coverage with another type of insurance, such as auto, home, RV, or boat insurance.
- Multi-vehicle discount. When you insure more than one vehicle, such as a car, motorcycle, moped, ATV, or snowmobile, you may get a discount. You could also get a multi-vehicle discount if you insure at least two mopeds or scooters.
- Security discount. If you take an approved safety course for mopeds or scooters, you may be eligible for a discount.
- Storage shed. Some companies give discounts if you keep the moped or scooter in a garage.
How much does moped and scooter insurance cost?
Moped and scooter insurance is relatively inexpensive compared to auto insurance. For example, Progressive’s scooter insurance costs just $ 79 per year for basic liability insurance. The cost of your moped and scooter insurance depends on factors such as:
- Scooter or moped model and displacement
- Where you live
- Your age and driving record
- Years of driving experience
- Cover you choose