Scooter and Moped Insurance
Get scooter or moped insurance for as low as $75/year for a liability policy.*
Mopeds and scooters are small, lightweight vehicles powered by pedaling or a small gasoline engine, and you'll want to insure yours the same way you would a motorcycle. Whether you use your bike to cruise casually or for a daily commute, Progressive makes getting moped insurance as simple as possible. In fact, we'll insure almost any type and engine size from 50cc all the way up to 500cc. Just quote scooter or moped insurance online and you can get coverage immediately.
Common types of scooters and mopeds we insure include: Vespas, Honda Forza, Ruckus and Metropolitan, Yamaha Zuma, Suzuki Burgman and vintage and classic models.
Do you need scooter or moped insurance?
Motorcycle liability insurance is required by law in most states if the engine is 50cc or greater. That means you'll be protected up to your policy's limits if you cause damages or injure someone while riding. If you're financing your bike, your lender may require you to carry physical damage coverage. Some states may not require scooter or moped insurance for engines less than 50cc or top speeds below 30 mph.
Make sure you know your bike's specifications and check with your state to find out what's mandated. Learn more about if you need scooter or moped insurance and your state’s motorcycle insurance requirements.
How much is insurance for scooters and moped?
At Progressive, you can get cheap scooter liability insurance as well as moped liability 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 motorcycle insurance discounts can help lower your scooter and moped insurance cost.
Scooter and moped insurance coverages
At Progressive, we'll protect you and your scooter or moped with the same coverages we offer for motorcycle insurance. Here are a few 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 damages to cars, motorcycles, vehicles, and property (signs, fences, etc.).
Comprehensive and collision
Protect your scooter or moped from physical damage. Comprehensive motorcycle insurance covers scooter or moped theft, vandalism, hitting an animal, and other incidents beyond your control. Motorcycle collision coverage pays to repair/replace your bike if damaged in an accident with another vehicle or object, even if you're at fault.
Protection for any personal belongings in the event of a covered loss, including your phone.
Tips for quoting scooter and moped insurance
- Keep in mind, vehicles you can stand on with a platform for your feet are not classified as scooters or mopeds and cannot be insured by Progressive
- If you don't know your vehicle identification number, (VIN) make sure you know the year, make, and model in order to get the most accurate quote
- Completing a motorcycle safety course could lower your insurance rate
- Make sure to add all possible riders of your moped to your quote