A scooter is classified as a two-wheeled vehicle with much smaller wheels and a low-powered gasoline (or electric) engine that powers the rear wheel. Scooters usually have a step-through frame design.
At Progressive, getting insurance for scooters is easy. We’ll insure almost any type and engine size from 50 cc scooters all the way up to 500cc+ scooters. Just get a scooter insurance quote online and as long as your scooter is legal on the road, we’ll most likely insure it. Common types of scooters we insure include:
- Vintage and classic scooters
- Honda Reflex
- Yamaha Razz
- All Vespas
We do not offer scooter insurance for mobility chairs that are only used on sidewalks or around your home.
How much is scooter insurance?
At Progressive, you can get cheap scooter insurance starting at just $75 a year. Plus, you’ll get the opportunity to add plenty of discounts. Just get a quote online, and we’ll automatically apply discounts to lower your scooter insurance cost.
Do you need insurance for a scooter? (Simple answer is yes.)
Scooter insurance is required if you’re going to take your scooter on the road, specifically liability insurance is required. We offer many other coverages that are optional if you want to add more protection.
Common scooter insurance coverages our riders love
We insure scooters under our motorcycle insurance policies. That means that you’ll get the same coverages if you were insuring a motorcycle. In fact, if you were to compare scooter insurance coverages and our motorcycle coverages, they’d be exactly the same. But, the average scooter insurance cost is usually a little bit lower.
Here are some of the most common scooter coverages. See all the coverages you can get for your scooter.
Bodily injury & property damage liability (BI/PD)
This is the cornerstone of any vehicle insurance policy and is automatically included with your Progressive scooter insurance. Also if you take your scooter on the road, this coverage is required. This pays for damages you would cause, including damages to other vehicles, property (fences, signs, etc.) and injuries to other drivers/their passengers. This coverage can also pay for legal expenses if you are sued because of an accident.
Comprehensive & collision
One of the most common coverages for both motorcycles and scooters. This is an optional coverage and pays to repair or replace your scooter if it’s damaged or stolen. Also you pick a deductible (the portion of the claim you pay). For example, if you have $1,000 in damages and a $500 deductible, you pay $500, and we’ll pay the rest. Typically the higher your deductible is, the lower your scooter insurance costs.
Carried contents and belongings
This is another popular scooter coverage, as many of our riders casually cruise around town. With open seating, belongings can easily fall off, and this coverage protects you from that. We’ll cover the belongings you carry on your scooter if they’re lost, stolen or damaged. This can include anything that could fall off, even your cell phone.
You can add up to $3,000 of carried contents coverage.