How Much Is Moped Insurance: What It Covers And How Much It Cost?

In this article, we are to talk about How Much Is Moped Insurance? If you’re searching for an enjoyable and cost-effective means of transportation within the city, you might be contemplating the purchase of a moped.

Mopeds, compact, lightweight vehicles propelled by pedaling or a small gasoline engine, offer the advantages of easy parking, fuel efficiency, and environmental friendliness.

However, before checking on your moped adventures, there’s a crucial consideration to ponder: insurance.

Moped insurance isn’t just a legal obligation in the majority of states; it also serves as a prudent measure to safeguard both yourself and your vehicle in scenarios involving accidents, theft, or damage.

Nevertheless, many individuals find themselves uncertain about the cost of moped insurance, the factors influencing its price, and the necessary coverage.

To address these queries, we’ve crafted a comprehensive guide designed to answer all your inquiries about moped insurance, assisting you in identifying the optimal policy that suits your requirements and financial constraints.

Delve into the details to thoroughly understand everything pertaining to moped insurance.

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Nevertheless, many individuals find themselves uncertain about the cost of moped insurance, the factors influencing its price, and the necessary coverage.

Moped and scooter insurance cost

The expense associated with insurance for mopeds and scooters can vary significantly, contingent upon several factors, though it generally proves to be more economical than motorcycle insurance.

Here’s a breakdown of the elements influencing the cost and some approximate figures:

Factors affecting cost:

  • Coverage type: Basic liability (mandatory in most states) tends to be the most economical, whereas comprehensive and collision coverage incur higher costs.
  • Your profile: Age (younger riders often pay more), driving/riding history (favorable records result in discounts), location (urban areas typically have higher costs), engine size (larger engines generally lead to higher costs).
  • Moped/scooter details: Make, model, year, purchase price, mileage.
  • Company selection: Different insurance providers offer varied rates and discounts.

Rough estimates:

  • Basic liability: Costs may be as low as $4-$6 per month ($48-$72 per year); Progressive provides quotes starting at $75 per year.
  • Comprehensive & collision: Expenses can range from $50-$200 per month ($600-$2400 per year), depending on the aforementioned factors.

Tips for securing the best deal:

  • Compare quotes from multiple insurers: Don’t limit yourself to your current car insurance company; explore those specializing in mopeds and scooters.
  • Inquire about discounts: Check for offerings such as good student, safety course completion, multi-vehicle, etc.
  • Contemplate pay-per-mile insurance: Some companies provide plans based on your usage, which can be more cost-effective if you use your moped/scooter infrequently.

Moped Insurance Requirements By State

Moped and scooter insurance regulations vary from state to state, so it’s important to be aware of your specific requirements.

In some states, liability insurance is mandatory for mopeds or scooters with an engine size of 50cc or larger or a top speed of 30 mph or more.

On the other hand, certain states don’t necessitate insurance for these vehicles, irrespective of their specifications.

To find out the insurance requirements in your state, visit your state’s Department of Motor Vehicles (DMV) website or utilize this online resource.

Beyond meeting state obligations, you might consider enhancing your coverage with options like collision, comprehensive, medical payments, or uninsured/underinsured motorist coverage.

These additional coverages can assist in covering expenses related to vehicle repair or replacement, medical bills, or damages caused by an at-fault driver lacking sufficient insurance.

Explore and compare various moped and scooter insurance policies and rates online or through an agent for the best fit.

Moped And Scooter Insurance Coverage

Moped and scooter insurance coverages closely resemble those found in motorcycle insurance, protecting against various risks and liabilities while on the road.

Consider the following common coverages for your moped or scooter:

  1. Liability coverage: This fundamental coverage, required in many states, pays for bodily injuries and property damage caused to others in an accident. However, it doesn’t cover your injuries or damages.
  2. Collision coverage: This covers the repair or replacement of your moped or scooter in case of damage resulting from a collision with another vehicle or object, regardless of fault. A deductible may apply before the coverage takes effect.
  3. Comprehensive coverage: Encompassing damage caused by incidents other than collisions, such as fire, theft, vandalism, or animal collisions, this coverage handles the repair or replacement of your moped or scooter. Similar to collision coverage, a deductible may be required.
  4. Medical payments coverage: This covers medical expenses for you and your passengers in the event of an accident, regardless of fault. It assists with deductibles, copays, and other out-of-pocket costs.
  5. Uninsured/underinsured motorist coverage: Offering protection in cases where you’re hit by an uninsured or inadequately insured driver, this coverage handles medical expenses and property damage for you and your passengers. It can also apply to hit-and-run accidents.
  6. Roadside assistance coverage: This covers the expenses associated with towing, battery jump-starts, flat tire changes, fuel delivery, and other emergency services if your moped or scooter breaks down on the road, providing a time and cost-saving solution in case of mechanical issues.

Moped And Scooter Insurance Discounts

Bundle Discount: By combining your moped or scooter insurance with your car, home, or renters insurance, you can enjoy savings on your premiums.

Multi-Vehicle Savings: Insuring more than one moped, scooter, or motorcycle with the same insurance provider can qualify you for a discounted rate.

Safety Course Savings: Completion of a state-approved safety course for mopeds or scooters can earn you a discount on your insurance.

Safe Driver Benefits: Maintaining a clean driving record without accidents or violations makes you eligible for a more affordable insurance policy.

Upfront Payment Discount: Opting to pay your annual premium in a single lump sum allows you to avoid monthly fees and secure a discount.

Anti-Theft Device Savings: Installing an alarm, GPS tracker, or other anti-theft device on your moped or scooter not only reduces the risk of theft but also lowers your insurance costs.

How To File Claims With Moped And Scooter Insurance

In the event of an incident involving injuries, property damage, or criminal activity, contact the police and secure a copy of the police report for your records.

If the incident involves another driver, exchange information with them, including their name, contact details, insurance information, and license plate number.

Document the scene by taking photos of your vehicle, any injuries, or damages.

Gather evidence and identify witnesses who can support your claim.

Initiate a moped or scooter insurance claim by calling your insurance company’s claims number, which can be found on the company’s website or in your insurance policy documents.

Provide details about the incident during this call.

Follow your insurance company’s instructions on submitting necessary documents, such as the police report, photos, receipts, or estimates. You might also need to take your vehicle to an approved repair shop or obtain an appraisal from an adjuster.

Wait for your claim to be processed and approved.

Your insurance company will assess the details of your claim, determine the compensation amount, and check for any deductibles or exclusions affecting your payout.

Receive your payment or reimbursement from your insurance company.

Depending on your policy and claim type, you may receive a check, direct deposit, or a credited account. Be aware of any deductibles or co-payments that may apply before receiving your funds.

Moped And Scooter Insurance Pros And Cons


Moped and scooter insurance serves as a crucial shield against a spectrum of road-related risks, encompassing accidents, theft, damage, and legal entanglements.

It acts as a financial safeguard, aiding in covering the costs of vehicle repair, medical bills, and damages incurred due to another driver’s fault with inadequate insurance.

Moreover, opting for moped and scooter insurance can be a cost-effective choice compared to car or motorcycle insurance.

The inherent characteristics of mopeds and scooters, such as smaller engines and lower speeds, contribute to reduced potential for damage.

Capitalize on various insurance discounts, including multi-policy, multi-vehicle, safety course, safe driver, pay-in-full, or anti-theft device discounts, to further trim down costs.

Ease of acquisition is another advantage, as moped and scooter insurance typically involves less stringent licensing and registration requirements in many states.

Depending on state rules, you might not need a driver’s license, a motorcycle endorsement, or a title to ride your moped or scooter.


Despite the advantages, moped and scooter insurance may become a mandatory requirement in certain states, particularly if your vehicle boasts an engine size of 50cc or larger or can achieve a top speed of 30 mph or more.

Operating your moped or scooter without the necessary insurance coverage may result in fines, penalties, or legal repercussions.

In some states, moped and scooter insurance options might be limited.

Certain insurance companies may exclude specific coverages like collision, comprehensive, or uninsured/underinsured motorist.

To secure the best policy, you may need to explore different insurers and compare quotes.

Moreover, the protection provided by moped and scooter insurance might be insufficient in severe accidents, leaving you and your passengers vulnerable.

Additionally, the heightened risk of theft, vandalism, or damage to these vehicles may pose challenges, given their relatively easier susceptibility compared to cars or motorcycles.

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