Do I need car insurance for a scooter?
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UPDATED: Mar 13, 2020
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Scooters (or small motorized bicycles) are becoming a much more popular mode of transportation as gas prices continue to rise. Many people who only have to travel short distances to work are investing in scooters to take them to and from their jobs. Many scooter models have onboard storage so you can even take your scooter to the grocery store or to run errands. Scooters are easy to handle for most people; even older drivers generally do not have a problem riding a scooter. Best of all, scooters are not designed to go very fast, so the chances of a one-vehicle crash with significant damages is small. Of course, if you collide with a car, the damages can be significant, so it is important to consider this fact when you are thinking about insuring your scooter.
State Insurance Requirements for Scooters
One thing that makes insuring a scooter a bit confusing is that many states have not defined the requirements for a scooter in terms of insurance coverage, or even where scooters are allowed to travel. Some states forbid them on highways but allow them on city streets. Other states have no regulations at all regarding where scooters can be operated. Some states require that scooters carry minimum insurance coverage which is clearly defined; other states have yet to comment on how well-insure your scooter must be. This is confusing and can cause scooter riders to have either more or less insurance coverage than needed.
Some people feel that insuring scooters is optional. However, any motorized vehicle you take on the road should have liability insurance at a minimum. This protects you in the event that you have an accident, hit a pedestrian, or cause some other type of damage for which you could be liable. It is also a good idea to have collision insurance to pay for damage to your scooter and comprehensive insurance in case your scooter is stolen or damaged by something other than an accident with a car. You may even want to invest in uninsured motorist coverage to pay for damages caused to your scooter by uninsured drivers. Medical coverage is also available in some states and pays for your medical expenses when you have a scooter-related accident.
How much is insurance for a scooter?
You should expect to pay insurance premiums for your scooter which are in line with the size of your engine and the value of the scooter. Anything larger than 50 cc’s is considered a motorcycle, and motorcycle insurance requirements will apply. However, you should expect to pay more for a scooter with a 35-cc engine than one with a 20-cc engine.
You can save money on your scooter insurance just as you do on your car insurance, by taking advantage of discounts available to you for various actions or devices. Anti-theft devices, for example, will significantly lower your comprehensive premium by making it more difficult for your scooter to be stolen. You may also qualify for a discount with certain classes; motorcycle operation classes, for example, may actually give you a discount on your scooter insurance, since scooters are much easier to operate than motorcycles and pose far less risk of damage to the rider.
Another thing that will affect your scooter insurance rate is your experience as a scooter driver and your driving record. Although it is unusual at this point for scooter riders to receive “speeding tickets,” other types of infractions which are recorded by your state’s DMV could have the effect of raising your rates. Insurance companies consider risk when calculating premiums, and the more risk you pose to yourself and others on the road through your driving habits, the more you will pay for insurance. The amount you drive your scooter per week will also have an effect on your premiums; the more you drive, the more you are exposed to possible accidents.
Some factors are beyond your control when your scooter insurance premiums are calculated. For example, the number of scooter-related accidents is usually higher in an urban area; if you live in a place like this, you will pay more for your scooter insurance. Your age and gender may also play a role in the calculation of premiums, depending on how much of a risk your age or gender group is perceived as being.
You can find low rates on scooter insurance by entering your ZIP code above. You will receive quotes from several companies anxious to work with you to provide you the best scooter coverage available at the lowest price!