Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Scooters are becoming a popular form of transportation. They are economical and can be more environmentally friendly than other gas motor vehicles. However, they can also be more dangerous.

Be sure you have appropriate scooter insurance by entering your zip code for free insurance quotes now.

All scooters are two wheeled, power assisted bikes. Some scooters are all electric while others have a small gas engine. State laws on insurance requirements for scooters vary state by state.

Some states require motor vehicle insurance for scooters just like any other motorcycle or car. Other states may not even require you to carry a valid driver’s license for a scooter.

If your state requires scooter insurance it will most likely be for liability. If so, they will also tell you how much liability insurance you must buy. This is just the minimum amount of coverage that is required, but you can buy additional insurance to give yourself more protection. You can increase the liability coverage limits and you can buy optional insurance products as well.

Whether you are required to carry scooter insurance or not, it is a good idea to have financial protection. Anything can happen with a scooter, from it getting stolen to you getting injured or causing an accident while you are operating it. Insurance should always be considered whether it is required by law or not.

Personal Protection with Scooter Insurance

When you ride a scooter you should also wear a helmet and appropriate clothing. The same holds true whether you are on a bicycle or a motorcycle. When you are on a scooter you can easily be thrown if you are struck by someone else or if you simply skid and fall off. A helmet can help protect you from serious head injuries.

Your head is not the only body part at risk from a fall on a scooter. You can break bones or get cut deep enough to require stitches. Medical protection on your scooter insurance will help you cover the costs of any doctor or hospital expenses that result from an injury on your scooter.

With scooter insurance you also have financial protection for your scooter the same as you would with auto insurance. If you buy collision insurance you will have coverage for your scooter even if you are at fault for the accident.

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If your scooter is damaged in an accident that is not your fault but caused by a driver who does not have insurance, uninsured motorist coverage will pay for your damages. The same holds true if you have underinsured motorist coverage and the damage to your scooter exceeds the cost of the benefits that are provided by the other party.

Scooters are vulnerable to non-collision incidents as well. If your scooter gets stolen, vandalized, or damaged in a non-accident related event, comprehensive insurance will pay you benefits based on the coverage in your policy.

Any customization you do to your scooter can be covered with optional insurance. You can also add roadside assistance and towing and labor to most scooter insurance policies to avoid being stranded somewhere without your ride.

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Protecting Others with Your Scooter Insurance

Liability insurance is valuable for anyone who drives a car, a motorcycle, or a scooter. If you cause an accident that results in bodily injury or property damage, liability insurance will pay for the other party’s expenses.

You can also get liability scooter insurance for your guest passenger in case you don’t always ride alone. This is a good idea even if you primarily ride solo since you never know when you may have a passenger with you.

Saving Money on Your Scooter Insurance

It can be easy to save money on your scooter insurance. If you have a car or a home that you can insure with the same insurance company you will be able to save money with a multiple policy discount. You can also benefit from a multiple policy discount if you own a condo or have renters insurance.

One of the best ways to reduce your scooter insurance premium is to take a scooter safety course. Passing the course can save you as much as 5% on your insurance costs and it provides you with safety instruction as well.

State laws vary on if you need scooter insurance or not. If your state calls for it then you will have to buy at least enough coverage to satisfy the minimum insurance requirements. If your state does not call for it, then at least consider buying enough insurance to give you the financial protection you need. Enter your zip code now and get free scooter insurance quotes with no obligation to buy.