Best Scooter and Moped Insurance in 2024 (Top 10 Companies Ranked)

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

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.

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#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.

#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.

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#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.

#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.

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#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.

#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.

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#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.

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

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?“.

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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.

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?“.

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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:

1. Visit insurance company websites. Go to the websites of insurance companies that offer scooter and moped coverage.
2. 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.
3. 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.
4. Compare quotes. Compare the quotes you receive from different insurance companies to find the best coverage at the most affordable price.
5. 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.

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“.

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.

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