Do mopeds & scooters need insurance?

Whether zipping off to class, commuting to work, or just taking a spin to relax, a moped or scooter is a fun, fuel-efficient way to get around. But before you hit the road, there’s one more essential item to add to your gear checklist: motorcycle insurance. Let’s explore how this customizable coverage can help protect your moped or scooter so you can enjoy the ride with confidence.

What’s the difference between a moped and scooter?

While mopeds and scooters are often mentioned together, they’re not quite the same. Understanding the difference can help you choose the right coverage.

Mopeds

Mopeds are low-power motorcycles, typically with engine displacement of 50 cubic centimeters or less. Mopeds originally had pedals so they could be foot or engine powered, but today most mopeds feature a step-through frame and automatic transmission.

While some states allow younger riders, insurance coverage usually requires a valid driver’s license.

Scooters

Scooters look like mopeds but pack more power. With engines over 50cc, scooters are legally considered motorcycles. They offer the same easy step-through design and automatic transmission but can reach higher speeds than mopeds.

Wondering which ride fits your style? At American Family Insurance, we cover a wide range of mopeds and scooters, including popular models like the Honda Ruckus 50, Yamaha Zuma 50, Vespa Primavera 150, and more.

Is insurance required for mopeds or scooters?

The answer depends on where you live. State laws vary, but generally, if your two-wheeled ride has an engine of at least 50cc or can reach speeds of 30 mph or more, motorcycle insurance is required.

If you lease or finance your moped or scooter, your lender will likely need you to have insurance until it’s paid off. Even if your state doesn’t mandate coverage, having insurance can protect you from costly repairs, liability claims, and the unexpected.

Not sure what’s required in your state? Your American Family Insurance agent is ready to help you navigate your options and find the coverage that fits your needs.

How much does moped & scooter insurance cost?

Just like auto insurance, the cost of coverage depends on several factors—like your ride’s value and age, your driving record, and your location.

For a personalized quote, reach out to your American Family agent. You'll find peace of mind and confidence for the road with the right coverage in place.

What are the benefits of moped & scooter insurance?

A standard policy offers financial security and peace of mind by protecting you from unexpected losses due to accidents or theft. It helps pay for repairs or replacement of your ride and provides liability protection if you injure someone or damage their property.

After a covered loss, you’ll pay your deductible, if applicable, and your insurance assists with the rest, up to your policy’s limit.

Types of scooter & moped coverage

The kind of scooter and moped insurance you carry can make a big difference when the unexpected happens. At American Family, we offer:

Collision: Helps pay for repair or replacement of your ride after a covered crash.

Comprehensive: Financially assists with repair or replacement of your bike if damaged in a non-collision event, such as theft, fire, storm, and more.

Liability: Protects your finances if you’re responsible for injuries or property damage.

Safety riding apparel protection: Covers your riding gear, like helmets and boots, if damaged and in need of repair or replacement due to a covered loss.

Accident forgiveness: Keeps your rates steady after your first accident if you qualify.*

Find the right coverage for your ride

At American Family Insurance, we offer a range of protection for motorcycles, mopeds, and scooters. Connect with your agent to explore coverage options to keep you and your ride adventure ready.

This article is for informational purposes only and based on information that is widely available. This information does not, and is not intended to, constitute legal or financial advice. You should contact a professional for advice specific to your situation.

This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.

*Accident Forgiveness coverage can be purchased or earned. Products, eligibility and availability vary based on the way you purchase insurance and by state. Exclusions may apply. Refer to your policy or talk to your agent for details.