Scooter Insurance - Moped Coverage

If you own a scooter or moped, you’re probably aware of how practical and cost-effective it is compared to a car. Plus, there’s nothing quite like the feeling of freedom you get when you’re coasting down the road on your new set of wheels!

However, it’s important to understand that owning one of these vehicles comes with its own set of financial responsibilities, including getting insurance. The laws regarding insurance coverage vary by state, so it’s a good idea to brush up on your state’s requirements.

Whether you’re an experienced rider or a new one, scooter and moped insurance is a smart choice.

What is the Difference Between Mopeds and Scooters?

When it comes to getting around town conveniently, efficiently, and affordably, mopeds and scooters can both be fantastic options. Understanding the difference between the two can be a bit of a challenge, but it’s essential when it comes to finding the right insurance policy to meet your needs.

A moped is a type of scooter that has a smaller engine. More specifically, it has an engine displacement of 50 cc or less and a maximum of two brake horsepower, making it perfect for in-town commuting.

Another key difference is that a moped is not capable of reaching speeds that exceed 30 miles per hour on a flat surface.

Scooters generally have engine sizes that range from 50 to 250 cc, making them more powerful than mopeds. They are also designed to operate faster than 30 mph on a flat surface, making them better suited for longer trips. Scooters offer more varieties to choose from and are customizable.

Do I Need to Get Insurance for a Scooter?

The first factor that determines whether you need insurance or not is where you live. In the United States, the laws regarding insurance for scooters can vary depending on the state you live in.

Some states don’t require insurance for motorized scooters, while others do. Checking your state’s laws is the first step to take. Here in California, riding a moped or a scooter requires insurance coverage.

Financing a scooter or a moped can be another reason to consider insurance. If you’ve taken out a loan to purchase your scooter or moped, the finance company will often require insurance. This is because they want to protect their investment in case of an accident or theft.

In general, it’s just a smart idea to get insurance for your scooter. Accidents can happen, even if you’re a skilled rider. If you get into an accident or if someone steals your scooter, insurance can help you recover some of your losses.

Plus, having insurance can give you peace of mind and allow you to enjoy your ride without worrying too much about the “what-ifs.” It does not cost much to take out a scooter or moped insurance policy, so do yourself a favor and invest in one of these policies to avoid unnecessary worrying.

What Does Scooter or Moped Insurance Cover?

Accidents can happen wherever and whenever – often when you’re least expecting them to happen.

There are all kinds of different scooter and moped insurance policies, each with its own set of coverages and limitations. Here’s a basic overview of what you might find in a basic policy.


Liability coverage is the minimum insurance coverage required in most states. It provides coverage for damages or injuries you are liable for if you cause an accident while riding your scooter or moped.

This coverage does not cover your medical expenses or damages to your vehicle. However, if your actions result in property damage, bodily injury, or death to others. In that case, liability insurance covers the damages that you owe to them. This coverage is essential to protect yourself and others, because liability claims can be financially devastating.


Collision covers damages to your scooter or moped if you are involved in an accident with another vehicle or object. This coverage doesn’t cover damages if your scooter or moped is hit while parked or if you hit an animal, in most cases.

If you cause an accident or if another driver hits you, collision coverage will pay for the damages to your vehicle up to the policy limit.


Comprehensive coverage takes care of damages to your scooter or moped caused by events like fire, theft, natural disasters, or vandalism. This coverage provides protection against incidents that are beyond your control.

For example, if your scooter or moped is stolen, comprehensive coverage will pay for its replacement. Keep in mind, though, that the value of the scooter or moped will determine the amount of compensation you receive.

Medical Payments

Medical payments coverage is an optional coverage that covers medical expenses for yourself and your passenger(s) if you are injured in an accident while riding your scooter or moped, regardless of who is at fault.

Uninsured/Underinsured Motorists

Uninsured/underinsured motorist coverage is an optional coverage that protects you if you are involved in an accident with another driver who does not have insurance or has insufficient insurance to cover your damages.

How Much is Scooter Insurance?

The cost of scooter insurance varies based on your individual coverage needs, including the type of coverage you want, your age, the deductible amount, the type of scooter you have, and your driving history.

Typically, the more coverage you need, the more you have to pay for insurance. Before selecting a plan, it is essential to assess your coverage needs and determine what’s important for you.

In general, scooter and moped insurance shouldn’t cost you an arm and a leg. Rates vary by provider, but if you’re in the market for a new policy, be sure to touch base with IIS Insurance (Incorporated Insurance Services).

We have more than 15 years of experience working with scooter and moped drivers just like you – and we want to help you find the best insurance policy possible so you can get back out on the open road in no time.

When you come to IIS Insurance, we’ll help you plan out your scooter and moped insurance so you can make clear, practical decisions about your future – and do so without breaking the bank.

Give us a call today to get a quote for your scooter insurance policy. At the end of the day, peace of mind is priceless, and scooter insurance provides that to you.