insure your scooter or moped today for as low as $75/year*
Mopeds and scooters are small, lightweight vehicles powered by pedals or a small gasoline engine, and you’ll want to insure yours the same way you would a motorcycle. Whether you use your bike for a casual ride or for a daily commute, Progressive makes getting moped insurance as simple as possible. in fact, we’ll insure just about any type and size of engine from 50cc to 500cc. simply quote scooter or moped insurance online and you can get coverage immediately.
Common types of scooters and mopeds we insure include:
- honda forza, rampage and metropolitan
- yamaha zuma
- suzuki burgman
- vintage and classic models
- please note that vehicles you can stand on with a platform for your feet are not classed as scooters or mopeds and cannot be insured by progressives
- if you don’t know your vehicle identification number, make sure you know the year, make and model to get the most accurate quote
- Completing a motorcycle safety course could lower your insurance rate
- make sure to add all possible drivers of your moped to your quote
do you need insurance for a scooter or moped?
The law requires civil liability insurance if the engine is 50 cc or more. That means you’ll be protected up to your policy limits if you cause damage or injure someone while driving. If you’re financing your bike, your lender may require you to have physical damage coverage.
Some states may not require scooter or moped insurance for engines less than 50 cc or top speeds less than 30 mph. make sure you know the specifications of your bike and check with your state to find out what is required.
how much does moped and scooter insurance cost?
At progressive, you can get affordable scooter and moped insurance starting at just $75 a year.* Rates depend on many factors, including your age, driving and riding history, location, and type of scooter. quote online and see how our discounts can help reduce the cost of your scooter and moped insurance.
what are the benefits of a scooter or moped?
With a smaller engine and less weight to carry, riding a scooter or moped allows for greater fuel efficiency compared to a larger motorcycle or car. You won’t just save on gas: a parking permit for a scooter or moped generally costs less than one for a car. plus, the compact size can be particularly beneficial when finding a parking spot and navigating through crowded areas on a college campus or in a big city.
what are the differences between a scooter and a moped?
Scooters and mopeds are similar, but there are a few differences worth noting. Mopeds have pedals and are known for looking like a bicycle, while scooters are generally of a step-through design with a platform to rest the operator’s feet on. both are two-wheelers, but scooters are considered more powerful. mopeds typically have smaller engines and therefore less power capacity (49cc and below). scooters have larger engines (50cc up to 150cc) and can reach higher speeds.
tips for quoting scooter and moped insurance
insurance coverage for scooters and mopeds
progressive protects you and your scooter or moped with the same coverage we offer for motorcycle insurance. These are some of the important coverages:
bodily injury and property damage liability (bi/pd)
Automatically included in your scooter or moped insurance policy, liability pays for injuries you cause to others plus damage to cars, motorcycles, vehicles, and property (signs, fences, etc.).
integral and collision
protects your scooter or moped from physical damage. Comprehensive covers theft, vandalism, hitting an animal, and other incidents beyond your control. collision pays to repair/replace your bike if it is damaged in an accident with another vehicle or object, even if you are at fault.
Contents and belongings transported
protection for any personal items in the event of a covered loss, including your phone.
see more motorcycle insurance coverage for your scooter or moped.