Do You Need Insurance for Scooters?

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Even if your state doesn't require scooter insurance, buy it for protection.
Even if your state doesn't require scooter insurance, buy it for protection. (Image: Hemera Technologies/AbleStock.com/Getty Images)

Purchasing scooter insurance is more than just a cautionary safety measure to help with accident-related medical bills. Whether your pricey Vespa, Honda, Yamaha, Lambretta or another brand of scooter is your main method of transportation—or you want to take your mobility scooter out for a spin—it's important to get the insurance lay of the land before you start your engines. Some states even require insurance. Your former driving record and years of scooter driving may earn discounts, so ask about them.

Mobility Scooter Insurance

In most areas, mobility scooter insurance is not required, but if you drive a mobility scooter outside your home, you need coverage to protect you from liability claims that can result from a traffic accident or property damage, according to Two Wheel Coverage. Call a specialist in mobility scooter insurance (ask the person who sold your scooter for a recommendation) or you may be faced with paying a higher premium because full-size scooter coverage is the only type of policy your agent sells.

Moped Scooter Insurance

Many major insurance companies offer coverage just for today’s moped rider, but like standard scooters and motorcycles, rates are determined by your area’s cost of living, your lifestyle, driving history and the amount and type of coverage you need. Don’t seek quotes until you contact your Department of Motor Vehicles to find out if moped coverage is required or optional in your state. If it’s not required, you still need it to protect yourself by buying some.

Standard Scooter Insurance

Most states require scooter drivers to get insurance. Contact the DMV and ask if your state mandates it. You can also visit DMV.org, a non-governmental website and click on the link that takes you to your state’s DMV site. In most instances, scooter insurance is determined by the size of your vehicle. Some states classify scooters with engines smaller than 50cc as mopeds while others lump scooters in the 50cc+ engine category with motorcycles, requiring you to purchase insurance at higher rates. You can hold down the cost by adding scooter coverage to your current insurance policy mix so the same company discounts your rates.

Scooter Insurance Options and Deals

It’s true that bundling insurance plans with a single carrier earns extra discounts, but your car, homeowners, health and other policies may be with an insurance carrier that doesn’t sell scooter insurance, forcing you to go elsewhere. Mix scooter coverages (collision, liability and medical) to get a better overall rate than you would by buying just one type, but if price is the determinant, this may not be negotiable. Install anti-theft devices, drive short distances and assume a decent deductible and you’ll hold the line on premiums. As always, take the time to compare rates and always ask about discounts.

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