Best Scooter and Moped Insurance in 2024 (Top 10 Companies Ranked)
The best scooter and moped insurance are offered by Progressive, Geico, and Allstate, known for their competitive rates and comprehensive coverage with rates starting at $32 monthly. These companies provide the best protection and customer service for scooter and moped owners.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Jul 4, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Full Coverage for Scooter and Moped
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage for Scooter and Moped
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage for Scooter and Moped
A.M. Best Rating
Complaint Level
Pros & Cons
The top pick overall for the best scooter and moped insurance is Progressive, with Geico and Allstate offering competitive rates. Progressive leads with rates starting at $32 monthly, making it the best choice for comprehensive coverage and affordability. Discover more information on our “Compare Car Insurance by Coverage Type“.
Geico follows closely with rates beginning at $80, praised for its extensive discounts and reliable service. Allstate, starting at $85, is known for its robust policy options and excellent customer support. These providers excel in balancing cost, coverage options, and customer satisfaction.
Our Top 10 Company Picks: Best Scooter and Moped Insurance
Company | Rank | Safe Driver Discount | A.M. Best | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | 20% | A+ | Competitive Rates | Progressive | |
#2 | 23% | A++ | Cost Savings | Geico | |
#3 | 18% | A+ | Local Agents | Allstate | |
#4 | 15% | A+ | Vanishing Deductible | Nationwide | |
#5 | 22% | A++ | Student Savings | State Farm | |
#6 | 17% | A | Loyalty Rewards | Liberty Mutual | |
#7 | 21% | A | Customer Service | American Family | |
#8 | 18% | A | Safety Discounts | Farmers | |
#9 | 19% | A | Teens | AAA | |
#10 | 16% | A | Online Tools | Safeco |
Understanding state requirements and comparing these top insurers will ensure you get the best protection for your scooter or moped. Get the right car insurance at the best price — enter your ZIP code above to shop for coverage from the top insurers.
- Progressive is the best scooter and moped insurance, rates start at $32 annually
- Comprehensive coverage is crucial for protecting against theft and accidents
- Ensure your policy meets state-specific moped insurance requirements
#1 – Progressive: Top Overall Pick
Pros
- Competitive Rates: Progressive offers some of the most competitive rates in the market.
- Safe Driver Discount: Progressive provides a significant 20% discount for safe drivers.
- Flexible Coverage: Progressive car insurance review highlight offering a wide range of coverage options to suit different needs.
Cons
- Customer Service: Progressive’s customer service can be inconsistent according to some reviews.
- Claim Processing: Some customers report slow claim processing times with Progressive.
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#2 – Geico: Best for Cost Savings
Pros
- Cost Savings: Geico offers some of the lowest premiums in the industry.
- Safe Driver Discount: Geico provides a substantial 23% discount for safe drivers.
- A++ Rating: Geico car insurance review boast an A++ rating from A.M. Best, indicating superior financial strength.
Cons
- Limited Local Agents: Geico primarily operates online, which might be inconvenient for those who prefer in-person interactions.
- Coverage Options: Geico’s coverage options may be less comprehensive compared to some competitors.
#3 – Allstate: Best for Local Agents
Pros
- Local Agents: Allstate has a strong network of local agents for personalized service.
- Safe Driver Discount: Allstate offers an 18% discount for safe drivers.
- A+ Rating: Allstate car insurance review maintain a solid A+ rating from A.M. Best.
Cons
- Premium Costs: Allstate’s premiums can be higher compared to some other insurers.
- Policy Changes: Some customers find making policy changes through local agents can be time-consuming.
#4 – Nationwide: Best for Vanishing Deductible
Pros
- Vanishing Deductible: Nationwide offers a unique vanishing deductible program, rewarding safe driving.
- A+ Rating: Nationwide has an A+ rating from A.M. Best, indicating strong financial health.
- Safe Driver Discount: Nationwide provides a 15% discount for safe drivers. Discover more Nationwide car insurance discounts for more savings.
Cons
- Limited Discount Options: Nationwide’s range of discounts is not as extensive as some competitors.
- Premiums: The base premiums can be on the higher side despite discounts.
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#5 – State Farm: Best for Student Savings
Pros
- Student Savings: State Farm offers significant discounts for students.
- Safe Driver Discount: State Farm provides a 22% discount for safe drivers.
- A++ Rating: State Farm car insurance review highlight their A++ rating from A.M. Best, showcasing excellent financial strength.
Cons
- Limited Multi-Policy Discount: The multi-policy discount is not as competitive as other insurers.
- Premium Costs: Even with discounts, State Farm’s premiums might still be higher for some coverage levels.
#6 – Liberty Mutual: Best for Loyalty Rewards
Pros
- Loyalty Rewards: Liberty Mutual rewards long-term customers with various discounts.
- Safe Driver Discount: Liberty Mutual car insurance review offers a 17% discount for safe drivers.
- Diverse Coverage: Liberty Mutual provides a wide array of coverage options.
Cons
- Customer Service: Some customers report mixed experiences with Liberty Mutual’s customer service.
- Premium Rates: Premium rates can be higher compared to some competitors.
#7 – American Family: Best for Customer Service
Pros
- Customer Service: American Family is known for its excellent customer service.
- Safe Driver Discount: American Family offers a 21% discount for safe drivers.
- A Rating: American Family car insurance review hold a solid A rating from A.M. Best.
Cons
- Availability: American Family’s coverage is not available in all states.
- Limited Online Tools: The online tools and resources offered may not be as robust as other insurers.
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#8 – Farmers: Best for Safety Discounts
Pros
- Safety Discounts: Farmers provides substantial discounts for various safety features and practices.
- Safe Driver Discount: Farmers offers an 18% discount for safe drivers.
- A Rating: Farmers car insurance review has a strong A rating from A.M. Best.
Cons
- Premium Costs: Premiums with Farmers can be relatively high.
- Customer Service: Some customers report issues with Farmers’ customer service responsiveness.
#9 – AAA: Best for Teens
Pros
- Teen Discounts: AAA offers significant discounts tailored for teen drivers.
- Safe Driver Discount: AAA provides a 19% discount for safe drivers.
- A Rating: AAA car insurance review accentuate their solid A rating from A.M. Best.
Cons
- Availability: AAA’s insurance coverage might not be available in all regions.
- Premiums: Premiums can be higher for certain demographics despite discounts.
#10 – Safeco: Best for Online Tools
Pros
- Online Tools: Safeco provides comprehensive online tools and resources for policy management.
- Safe Driver Discount: Safeco offers a 16% discount for safe drivers. Explore more Safeco car insurance discount for savings,
- A Rating: Safeco has a solid A rating from A.M. Best.
Cons
- Customer Service: Some customers report mixed experiences with Safeco’s customer service.
- Limited Discounts: The range of discounts offered by Safeco may not be as extensive as other insurers.
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Understanding the Cost of Scooter and Moped Insurance
When comparing car insurance monthly rates for scooters and mopeds, it’s evident that the cost varies significantly depending on the coverage level and the insurance provider. For minimum coverage, the lowest monthly rate is offered by Safeco at $27, followed closely by Geico at $30 and State Farm at $33. On the higher end for minimum coverage, Liberty Mutual offers the most expensive option at $68 per month.
Auto Insurance Monthly Rates for Scooter and Moped by Coverage Level
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
AAA | $32 | $86 |
Allstate | $61 | $160 |
American Family | $44 | $117 |
Farmers | $53 | $139 |
Geico | $30 | $80 |
Liberty Mutual | $68 | $174 |
Nationwide | $44 | $115 |
Progressive | $39 | $105 |
Safeco | $27 | $71 |
State Farm | $33 | $86 |
However, when opting for full coverage, the rates understandably increase across the board. Geico remains one of the most affordable options, offering full coverage at $80 per month, followed closely by State Farm at $86. On the higher end for full coverage, Liberty Mutual is again the most expensive option, with a monthly rate of $174.
These variations in rates emphasize the importance of shopping around and comparing quotes from different insurance providers. While Geico consistently offers some of the lowest rates, other factors such as customer service, coverage options, and individual circumstances should also be considered when choosing an insurance provider.
It’s also worth noting that while minimum coverage may seem more affordable, it may not provide sufficient protection in the event of an accident or theft. Therefore, it’s essential to weigh the cost of insurance against the level of coverage provided to ensure adequate protection for your scooter or moped.
Exploring the Concept of Scooter and Moped
While the definition of a moped may vary among drivers, in terms of motor vehicle and traffic law, it is legally defined as a bicycle with a helper motor. Although the size of the helper motor can vary, the definition of a moped is clear.
Minibikes, miniature motorcycles, and small scooters are separate vehicles with different insurance needs. Explore more information on “Does car insurance cover motorcycles?“.
Requirements for Driving a Scooter and Moped
The California Department of Motor Vehicles requires anyone that is legally able to ride a moped on the road to receive a motorcycle license. If you only purchased a moped or scooter so that you can ride it on sidewalks instead of the street, you probably won’t need to get some type of license and insurance.
The engine size and speed of your moped or scooter determine its licensing requirements and where you can ride it. Those with engines of 50cc or larger are classified as motorcycles. While smaller, mopeds and scooters can still cause significant damage. Insurance companies will require proof of your ability to safely navigate and operate your moped or scooter. For more knowledge, compare moped rates as well as scooters.
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State Variations in Scooter and Moped Insurance Requirements
How the individual states regulate mopeds and scooters is usually determined by engine size or the top speed of the vehicle. With that said, mopeds and scooters with motors up to 50cc are usually fairly inexpensive to insure. They are considered motor vehicles in every state and are subject to the same driving rules and restrictions as other vehicles on the road.
Liability, property damage, and bodily injury minimums will vary according to how the moped is classified. Extra protections such as collision and comprehensive or fire and theft coverage will be optional.
Some drivers attempt to bypass insurance regulations by only operating a moped or scooter on the sidewalk. Unfortunately, what many of them don’t realize is that, in most cases, if a moped or scooter engine is 5hp or greater, it’s considered a motor vehicle and cannot be legally operated on sidewalks anyway. In such cases, drivers are not only in violation of insurance regulations but also motor vehicle safety laws.
Using Your Scooter and Moped Exclusively on Private Property: What You Need to Know
From the standpoint of motor vehicle law, mopeds and scooters only need to be registered and insured if the owners plan to drive them on public roads. One other important thing to note regarding car insurance for mopeds and scooters is the fact that, regardless of whether or not it’s required in your state, it’s always a good idea to have coverage.
Mopeds and scooters can be as dangerous as motorcycles. Accidents involving them can result in serious injury, property damage, or even death. Operating one without insurance is risky. Car insurance companies face challenges insuring mopeds and scooters due to their hybrid nature, being both bicycle and motorcycle. They require insurance that accounts for all their unique properties.
Discover more insights on our “Can a car be parked on a public road with no insurance?“.
How to Obtain Online Insurance for Scooter and Moped
Getting a quote for scooter or moped insurance is a straightforward process that can often be completed online in just a few minutes. Here’s how:
- Visit insurance company websites. Go to the websites of insurance companies that offer scooter and moped coverage.
- Fill out the form. Look for the section related to getting a quote for motorcycle or scooter insurance. You’ll typically need to provide information about your vehicle, yourself, and the coverage options you’re interested in.
- Review your options. Once you’ve filled out the necessary information, the website will generate a quote for you based on the details you provided.
- Compare quotes. Compare the quotes you receive from different insurance companies to find the best coverage at the most affordable price.
- Purchase your policy. Once you’ve found the right coverage at the right price, you can usually purchase your policy directly through the insurance company’s website.
By following these simple steps, you can quickly and easily obtain an online quote for scooter or moped insurance, ensuring that you have the coverage you need to protect yourself and your vehicle. Make sure to have all necessary information on hand, such as your scooter’s make and/or model, and VIN, as well as your personal driving history.
This will help you get the most accurate quote possible. Additionally, consider adjusting coverage options to see how different levels of protection affect your premium. Finally, don’t hesitate to reach out to insurance agents if you have any questions or need further assistance during the process.
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Case Studies: Importance of Scooter and Moped Insurance
Understanding the importance of scooter and moped insurance is vital for protecting yourself and your vehicle. Here are some real-life case studies highlighting the significance of having proper insurance coverage.
- Case Study 1 – Sarah’s Accident: Sarah, a college student, was riding her scooter to campus when she was hit by a distracted driver. Thanks to her comprehensive scooter insurance, Sarah’s medical bills and scooter repair costs were fully covered.
- Case Study 2 – Jack’s Theft Experience: Jack woke up one morning to find his moped missing from his apartment parking lot. Fortunately, Jack had opted for comprehensive coverage, and his insurance company reimbursed him for the stolen moped.
- Case Study 3 – Tina’s Unexpected Expenses: Tina, an urban commuter, relied on her scooter to navigate the city. When her scooter broke down unexpectedly, she was relieved to find out that her insurance policy covered towing expenses and repair costs, ensuring she was back on the road quickly.
- Case Study 4 – Mark’s Legal Protection: Mark was involved in a minor accident while riding his scooter. Despite being at fault, Mark’s insurance provided legal representation, covering his legal fees and helping him navigate the claims process.
These case studies demonstrate the importance of having adequate insurance coverage for your scooter or moped. From accidents to theft and unexpected repairs, insurance provides the financial protection you need to ride with confidence and peace of mind. Check out the “Common Ways Cars Are Stolen“.
Progressive offers the best scooter and moped insurance with rates starting at $32 annually, providing comprehensive coverage and affordability.
Kristen Gryglik Licensed Insurance Agent
Remember, investing in the right insurance policy today can save you from significant expenses and stress in the future. It’s an essential aspect of responsible scooter or moped ownership.
Bottom Line: Scooter and Moped Insurance
Obtaining the right insurance for your scooter or moped is essential for ensuring your safety and financial protection. By following the steps to get an online quote, you can easily compare options and find the best coverage at an affordable price. Remember to have all necessary information ready and consider different coverage levels to tailor the policy to your needs.
With the right insurance in place, you can ride confidently, knowing you are well-protected against potential risks and expenses. Stop overpaying for car insurance. Our free quote comparison tool allows you to shop for quotes from the top providers near you by entering your ZIP code below.
Frequently Asked Questions
What is a moped?
A moped is a bicycle with a motor.
Do I need a special license for a moped?
Licensing requirements vary by state. Some may require a motorcycle license.
Delve more details on our “Can you get car insurance with an expired license?“.
Do I need insurance for my moped?
Most states consider mopeds as motor vehicles, so insurance is usually required.
See if you’re getting the best deal on car insurance by entering your ZIP code below.
How do I get insurance for my moped?
Contact your car insurance provider for a moped endorsement.
What if I only ride my moped on private property?
Insurance may not be required, but it’s still a good idea to have coverage. Know more insights on “What is considered good car insurance coverage?“.
Our free online comparison tool below allows you to compare cheap car insurance quotes instantly — just enter your ZIP code to get started.
How to get insured on a moped?
If you’re 16 or older and have finished the CBT, you can ride a moped up to 50cc with L plates for up to two years on a provisional moped license, even if you don’t have a car license. During this period, you can obtain motorbike insurance and possibly accumulate a couple of years’ worth of no-claims discounts.
Which is better moped or scooter?
A motor scooter features a step-through frame and smaller wheels similar to a moped, but it is equipped with a more powerful engine, typically ranging from 50cc to 250cc. These vehicles generally have automatic transmissions and are outfitted with lights, turn signals, and horns. Scooters provide excellent mobility, boasting higher top speeds and efficient fuel consumption.
How many cc is a moped?
50 ccA moped is considered to be a two-wheeled vehicle that has pedals, a motor which is less than 50 cc (3.1 cu in) and a top speed of 30 km/h (19 mph). Compare four-wheel drive vs. two-wheel drive insurance rates for more insights.
What is insurance on a moped?
Moped insurance provides coverage for damages caused to another individual or their vehicle, but does not cover damage to your own moped. It is the basic level of insurance necessary to legally operate a moped on roads.
Which is faster moped or scooter?
Most scooters typically feature engine capacities ranging from 50cc to 250cc, making them significantly more powerful than mopeds and capable of achieving higher top speeds.
Can someone steal my moped?
Thieves can steal a moped, scooter, or motorcycle in just a few seconds, particularly if the vehicle lacks adequate security. Expand your knowledge on how to get more savings by having anti-theft insurance discounts.
Is a Vespa a moped or scooter?
Vespa is a prestigious Italian brand of scooters and mopeds produced by Piaggio. The name Vespa translates to “wasp” in Italian. Initially, Vespa started as a single model motor scooter produced by Piaggio & Co. in 1946 and has since developed into a renowned brand.
Is a 50cc a moped or scooter?
Essentially, if you have a platform to rest your feet on while riding, you’re on a scooter. Legally, if the engine is under 50cc, it’s classified as a moped. Typically, scooters are more costly than mopeds due to their greater power, larger engine size, advanced features, quicker acceleration, and higher top speed.
What is the difference between moped and motorcycle?
Mopeds are generally much smaller and lighter compared to standard motorcycles. Typically, a moped has an engine size of less than 50cc and often comes with pedals to provide additional power through human effort. On the other hand, motorcycles are more substantial and heavier, prioritizing comfort and rideability.
Check out our “Compare Motorcycle vs. Car Insurance Rates“.
What is a moped in a car accident?
A moped accident refers to an incident resulting from the operation, upkeep, or utilization of a moped, excluding any involvement of a motor vehicle.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.