How Much is Moped/Scooter Insurance?

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So, you’ve learned that your scooter or moped will require an insurance policy. Now you’re wondering how much it’ll cost you. 

Whether you ride a Vespa or a Honda Ruckus, getting the right insurance policy that meets your state’s requirements, your needs, and your budget is important. 

Fortunately, mopeds and scooters are relatively cheap to insure. We’ll go over the average costs of moped and scooter insurance and break down the factors that affect the rates of your premiums. 

Average Cost of Scooter & Moped Insurance

If you can ride your moped or scooter on public roads, the chances are pretty good that you’ll need to carry an active insurance policy. 

First, you’ll need to get your definitions of scooters vs. mopeds straight.

A scooter is generally considered to be a 2-wheel vehicle with an engine size of 50cc or greater and a top speed of at least 30 to 35 mph. 

For registration, license, and insurance requirements, a scooter is basically the same as a motorcycle. 

A moped is typically defined as a 2-wheel vehicle with an engine size of less than 50cc and a top speed of less than 30 mph. 

The laws for mopeds get a little tricker. Some states only require a standard driver’s license, while others may require a moped permit. Some states don’t require license plates, while others require moped registration. And some states require moped insurance, while others don’t. 

If your scooter or moped requires insurance, it will generally be covered by a motorcycle insurance policy. 

On average, you can get insurance for your scooter or moped for as little as $100 to $300 per year for minimum liability coverage. 

If you want full coverage for your scooter or moped, you can expect to pay anywhere from $300 to $1,200 per year on average. 

Type of Scooter InsuranceAverage Monthly CostAverage Annual Cost
Minimum Coverage$8 to $30 per month$100 to $360 per year
Full Coverage$25 to $100 per month$300 to $1,200 per year

Your scooter policy will typically be cheaper than the cost of a motorcycle insurance policy, but rates can vary pretty widely depending on a number of factors.  

On average, a scooter insurance policy will be anywhere from a few hundred to a couple thousand dollars cheaper than a motorcycle insurance policy per year. 

Factors that Determine the Cost of Your Scooter Policy

The total cost of your scooter insurance premiums will depend on a variety of factors, including:

  • The year, make, model of your scooter. 
  • The engine size and top speed of your scooter. 
  • Your age. 
  • Where you live. 
  • How often you ride. 
  • Whether you ride for a commute or for pleasure. 
  • Number of years of riding experience. 
  • Your driving record, accident history, and insurance claims history. 
  • The type of coverage you want. 
  • The deductibles you choose. 
  • Any motorcycle insurance discounts you may qualify for. 

For example, if you’re under 25 years old, you can expect to pay a lot more for your scooter insurance policy. 

However, if you’re over 25, but have a history of traffic violations and accident claims, your policy is also going to be a little more expensive. 

Fortunately, you can save money on scooter/moped insurance if you qualify for certain discounts. Some popular ones include:

  • Paying your premiums in full. 
  • Taking a motorcycle safety course. 
  • Bundling different insurance policies with the same provider. 
  • Insuring multiple motorcycles with the same provider. 

Another great way to get the cheapest scooter insurance is to compare quotes from a few different providers

Pretty much every insurance company that offers motorcycle coverage will be able to create a policy for your street-legal scooter or moped. 

You can compare quotes online in just a few minutes, you’ll simply need to provide:

  • Your scooter/moped VIN and information. 
  • Your personal details. 

Learn more about how to get an insurance quote for your scooter or moped.