Do scooters require insurance?

Scooter insurance may include liability, collision, comprehensive coverage, depending on the policy you select. Coverage requirements vary by state. But having a reliable scooter insurance policy is recommended for your protection in the event of unexpected damages.

Scooter insurance coverages

Bodily injury liability

If you cause an accident and someone is injured, this coverage can help pay their medical bills and loss of income. Many states require liability coverage.

Property damage liability

If you cause an accident, this coverage helps pay for damages to another person’s vehicle or property. Many states require liability coverage.


Regardless of who’s at fault, collision pays for damage to your scooter or moped if you hit another vehicle or object, another vehicle hits you, or your vehicle rolls over. This coverage may be required if you lease or finance your scooter and includes up to $2,000 for safety apparel.


Also known as “other than collision,” this coverage can help pay for damage to your scooter from vandalism, theft & weather events. This coverage also protects custom parts and equipment.

Uninsured motorist

Helps protect you and your scooter from uninsured drivers and hit-and-run accidents. Each state has its own uninsured motorist laws. Coverage is subject to policy coverage provisions and limits.

Underinsured motorist

Helps protect you from drivers who do not have enough insurance to cover the costs of an accident. Coverage is subject to policy coverage provisions and limits.

Medical payments

Also known as Personal Injury Protection (PIP), med pay can help cover medical costs for you and your passengers in the event of an accident, regardless of who’s at fault.

OEM endorsement

This coverage helps ensure that your scooter is repaired with new parts from the original equipment manufacturer (OEM), whenever available. If an OEM part is not available, we’ll issue payment based on the fair market value of the new OEM part. Available for vehicles less than 10 years old.

Roadside Assistance

Get 24/7 emergency help if you need a tow, tire change, or jumpstart for your scooter.

Learn more about Roadside Assistance »

On Your Side® Review

Make sure your insurance keeps up with your life and you get all the discounts you deserve.

More about On Your Side® Reviews »

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.