Moped and scooter insurance: Do you need it?

Do you need motor scooter insurance?

In most states, you are legally required to carry at least liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. for a motor scooter. The specific requirement depends on your scooter's engine size and your state's insurance laws, with some states exempting scooters with engines smaller than 50cc or top speeds below 30 mph.

Even if the law doesn't require you to insure your scooter, you should consider it to cover injuries and damage to others if you cause an accident. To protect your investment, buy full coverage insurance, which includes not only liability but also collision and comprehensive coverageComprehensive coverage helps pay for damage to your car caused by events other than a collision, such as theft, fire, vandalism, or natural disasters. It is subject to a deductible., paying for repairs or replacement of the scooter after an accident, theft, or other damage.

Taranda says most scooter policies written for Allstate are full coverage policies.

Because scooters are less expensive than cars and motorcycles, relatively cheap insurance is available. If you already insure a car or a home, adding a scooter may qualify you fora multi-policy discount. To find the best price, get motor scooter insurance quotes from at least three insurers, including companies that specialize in motorcycle and scooter coverage, such as Allstate, and compare the same coverage levels across each quote to ensure an accurate comparison.

How much is motor scooter insurance?

Motor scooter insurance costs range from $75 to $200 annually, but may cost more or less depending on driver age and driving record, the type of motor scooter, coverage, and state moped insurance requirements.

Coverage type	Estimated annual cost	Covers
State minimum	Lower end of the range	Minimum liability and any other coverages required by law
Liability only, higher limits	Lower to mid range	Chosen liability limits and any other coverage required by law
Full coverage	Mid to upper range	Liability, all coverage required by law, comprehensive and collision

FAQ: Moped and scooter insurance

Do you need insurance for a moped?

Yes, in most states, you are required to carry at least liability insurance for a moped to cover damages or injuries you cause to others. Some states exempt mopeds with engines smaller than 50cc or top speeds below 30 mph from the insurance requirement, so check your state's specific rules. Even where insurance is not legally required, carrying liability coverage protects you from out-of-pocket costs if you cause an accident.

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