Motorcycle Insurance for Scooters & Mopeds
Find the Right Scooter and Moped Insurance with Roamly
Coverage Options for Mopeds, Scooters, and Maxi-Scooters, From Carriers Who Know the Road
Why Choose Roamly for Scooter and Moped Insurance?
- Multiple Carriers, One Quote: For scooter and moped coverage, Roamly compares policies from a panel of carriers, so you're not limited to one company's option.
- Help With the Rules: Whether your ride counts as a moped, scooter, or motorcycle depends on your state, and we'll help you figure out what coverage you need.
- Theft Protection Options: Comprehensive coverage from carriers we work with may help replace a scooter that's stolen or vandalized while it's parked.
- Belongings Options: Some carriers we work with may cover personal items like your phone or bag after a covered loss.
- Licensed Agents Who Ride: Our licensed agents ride too, and they'll help you compare coverage in plain language.
At Roamly, we're not just insurance agents — we're riders who know a scooter is often someone's everyday ride. It's parked on the street, ridden in city traffic, and used for errands and commutes, and we'll help you find a policy that fits how you ride.
How Much Does Scooter and Moped Insurance Cost?
Scooters and mopeds are often among the less expensive two-wheelers to insure, since premiums tend to be lower for smaller engines and lower-value bikes. As of October 2026, Progressive advertises liability-only scooter and moped coverage starting at about $75 a year, before state fees and taxes (not available in D.C.). Full coverage costs more, especially for larger scooters in big cities: in one New York City quote example for a Vespa GTS 300, a basic policy cost about $312 a year, while a policy with full coverage cost about $1,975 a year. Your price depends on your scooter's engine size and value, your age and riding record, where you live and park, and the coverage you choose.
- Quotes From Multiple Carriers: Compare options side by side instead of taking one company's price.
- Personalized Quotes: Based on your scooter, your riding, and where you keep it.
- Discounts You May Qualify For: Carriers we work with may offer savings for a rider safety course, garaging your scooter, or bundling with other policies.
Average Cost Range (as of October 2026):
- Basic Liability Policies: From about $75 per year (Progressive's advertised starting price for liability on one scooter or moped; not available in D.C.).
- Basic Coverage, Larger Scooter in a Big City: About $312 per year for a Vespa GTS 300 in one New York City quote example.
- Full Coverage, Larger Scooter in a Big City: About $1,975 per year for the same scooter and rider.
Coverage Type | Liability-Only Policy | Full Coverage Policy |
|---|---|---|
Liability for damage or injuries you cause | ✓ | ✓ |
Damage to your scooter (collision, theft, vandalism) | Not included | ✓ |
Personal belongings, like your phone | Not included | Varies by carrier |
Medical payments and uninsured motorist | Varies by state | Varies by state |
Stand-up electric scooters | Typically not eligible | Typically not eligible |
Features to Look for When Shopping for Scooter and Moped Coverage with Roamly
- The Right Classification: Make sure your ride is quoted correctly as a moped, scooter, or motorcycle, since engine size and top speed can change both the rules and the price.
- Liability That Meets Your State's Rules: Check whether your state requires liability coverage for your moped or scooter, and choose limits that protect you beyond the minimum.
- Comprehensive Coverage for Theft: If your scooter is parked on the street or outside work, look for coverage that protects against theft and vandalism.
- Personal Belongings Coverage: Ask whether the policy covers items like your phone, helmet, or bag after a covered loss.
- Medical Payments and Uninsured Motorist Coverage: In city traffic, look for options that help with your own medical bills and protect you if the other driver doesn't have enough insurance.
Ready to Protect Your Scooter?
Get a Quote on Scooter and Moped Insurance That Fits How You Ride
Whether it's a daily commute across town or a weekend ride to the beach, Roamly works with carriers who understand scooters and mopeds. We'll help you find coverage so you can focus on the ride.
Why Roamly?
Tailored coverage
We know a cruiser isn't a sport bike. Roamly helps you find the coverage that fits with how you ride, from dirt trails to open roads.
Custom parts protection
Most insurers offer minimal coverage for custom parts. Our partners provide up to $20,000 in coverage for your aftermarket mods and custom work.
Track day coverage
Most insurers don’t cover organized track events, riding schools, and time trials. Push your limits. We’ll make sure you’re covered.
It depends on your state and your ride. Many states require liability insurance for scooters and for mopeds above certain engine-size or speed limits, while others don't require insurance for qualifying mopeds. Larger scooters are often treated like motorcycles. Check your state's rules before you ride.
Mopeds typically have an engine of 50cc or smaller and a top speed of around 30 mph, while scooters usually have larger engines and can go faster. Each state sets its own legal definitions, using engine size, top speed, or horsepower, so the same ride can be classified differently from one state to the next.
Usually not. Car insurance policies generally don't extend to mopeds or scooters, so you'll typically need a motorcycle policy, a separate scooter and moped policy, or an add-on to your auto policy if your carrier offers one. A homeowners policy typically won't cover a moped or scooter on public roads.
As of October 2026, Progressive advertises liability-only scooter and moped coverage starting at about $75 a year, before state fees and taxes (not available in D.C.). Full coverage on a larger scooter costs more, especially in a big city: one New York City quote example for a Vespa GTS 300 ran about $1,975 a year. Comparing carriers is the best way to see your actual price.
Stand-up electric scooters are typically not eligible for scooter or moped insurance. E-bikes are treated as bicycles in most states. A homeowners or renters policy may cover an e-bike as personal property, but limits and liability coverage are often restricted, so many riders look at a separate e-bike policy. A seated electric moped may be insurable, depending on how your state and the carrier classify it.
Liability-only policies don't cover damage to or theft of your own scooter. Policies also typically exclude wear and tear and normal maintenance, and aftermarket parts or accessories may not be fully covered unless the policy includes them. Roamly can help you compare optional coverages that may fill some of these gaps.
Still have questions?
Call us at 877.725.1245
Buy Insurance for a Scooter or Moped
Find the Right Scooter and Moped Insurance with Roamly
* Roamly is an insurance agency, not a carrier. Coverage, limits, and availability vary by carrier and by state, and are subject to underwriting approval.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Roamly license numbers. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Liberty Mutual Insurance Company, Foremost Insurance Company, National General Insurance, and others.
© 2026 Roamly All rights reserved.