Is Scooter Insurance Required?

Is Scooter Insurance Required?

What does the word “scooter” mean? Although it may differ depending on who you ask, the law has a defined term that is crucial to understand when determining whether you require insurance coverage for your scooter.

Main points

  • Whether you are operating a moped, a motorcycle, or another kind of scooter, you must have insurance.
  • Generally speaking, you must buy insurance if your scooter has an engine larger than 50 cubic centimeters.
  • The majority of national insurance companies offer coverage for motorcycles, and you can frequently combine your scooter and auto insurance policies to save money.

What Qualifies as a Moped?

Your scooter is probably considered a moped if it has an engine that is less than 50 cubic centimeters and is only capable of traveling at a top speed of 40 mph.

Mopeds are typically not designed to travel at high speeds on highways.

In some states, like Nebraska, the presence of pedals in addition to a motor is what distinguishes mopeds from other vehicles.

It’s important to check the regulations of the state where you reside because other states may have different definitions.

What Qualifies as a “Scooter”?

For insurance purposes, scooters and mopeds may occasionally be categorized similarly, but there are some distinctions.

More powerful motors—up to 250 cubic centimeters—can be found in scooters. Additionally, they have a higher top speed of 60 or 70 miles per hour. Scooters may or may not be allowed to travel at higher speeds on highways. 

It’s crucial to confirm the local advice in your area once more.

What Qualifies as a “Motorcycle”?

The design of the motorcycle is one of the key features that sets it apart from scooters and mopeds.

The powerful engine of a motorcycle, which may be 1,000 cubic centimeters or more, is located in the front, between the rider’s knees, in contrast to the other two.

Of course, motorcycles are legal to drive on highways and can travel at speeds of up to 160 mph.

Do I require insurance for my motorcycle, scooter, or moped?

Generally speaking, you must buy insurance if your scooter has an engine larger than 50 cubic centimeters. Your scooter is a motorcycle in the eyes of the law. 

Nebraska is the only state that doesn’t follow this definition of a motorcycle: If it has pedals, it is considered a scooter rather than a motorcycle. 

To drive your scooter on public roads, you must have motorcycle insurance in almost all states. Some exceptions are Florida and Montana. 

You will undoubtedly need motorcycle insurance if you owe money to buy your scooter, even in Florida and Montana. Make sure you are safeguarding the asset whenever you are using someone else’s money.

Even if you paid for your scooter, insurance might still be something you want to think about. First off, if you don’t have insurance and your scooter is totaled, you won’t be compensated for the damage. More importantly, if you damage someone else’s person or property without having insurance, you will be responsible for paying the full cost.

Where Can I Buy Insurance for Scooters?

Finding the best policy for you and your scooter shouldn’t be too difficult because motorcycle insurance policies frequently include coverage for scooters.

The majority of national insurance companies offer coverage for motorcycles, and you can frequently combine your scooter and auto insurance policies to save money.

What Sorts of Scooter Insurance Coverage Are There?

Bodily injury protection, or the “BI” half of bodily injury and property damage liability (BI/PD) coverage, is a standard feature of the majority of insurance options in addition to property damage liability protection.

After you have paid your deductible, you can opt to purchase comprehensive collision coverage, which will pay for the cost of repairing or replacing a damaged or stolen vehicle.

In case they are damaged or stolen while you are scooting around town, you can choose to purchase coverage for your carried contents and belongings as well.

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