Mopeds and scooters have gained popularity in recent years, and the requirements around scooter insurance are starting to catch up. Unfortunately, these requirements vary widely by state and insurance provider, which makes it difficult to know what coverage you need.
But we’ll help clear up any doubts and ensure you know exactly what coverage you need (or don’t) to ride your scooter wherever the road takes you.
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Most states require scooters and mopeds to have some form of insurance, and that generally defaults to motorcycle insurance. Specific insurance policies for scooters are rare, although that may change in the coming years.
It’s important to note that some states have different definitions for scooters, which can add to the confusion. For example, New York has three different classifications for scooters, but only two of the classes require insurance.
The good news is, insurance for scooters is typically more affordable than a motorcycle or car insurance. This is because scooters usually can’t go as fast as other vehicles, limiting their risk. So you’ll get to sidestep traffic on your scooter and save money on insurance—it’s a win-win!
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Getting insurance for a scooter or moped is easier than you might think. You can easily get online quotes by entering your scooter’s make and model information, just like you would for car insurance. If for whatever reason, you can’t enter your scooter’s information, you may need to call the insurance provider, but you should still be able to get coverage.
Short on time? Let ConsumerCoverage do the work for you and get you to access to free quotes.
Insurance coverage for a scooter or moped isn’t as universal and fleshed out as car insurance, but it’s getting there. When figuring out coverage, it’s most important that you check your state’s requirements for your specific type of scooter, since this can still vary widely across state lines.
Remember that just because a scooter is less risky compared to a car or motorcycle, that doesn’t mean you should forego insurance. Having coverage in place before you need it is key so that you can hit the road with confidence. Getting coverage is easier than ever: just click here for access to free quotes that fit your needs, and get back to enjoying the open road.
Lauren Lewthwaite Lauren Lewthwaite has been freelance writing for almost five years writing content that ranges from health to insurance and everything in between. Lauren is also a trained translator in French and English and is a dog-mom to an adorable Australian Shepherd.
