Scooter Insurance (2021 Guide)

Last updated 04. January 2021


Scooter insurance is one of the most overlooked parts of owning a moped. People often think that you need to pay for the moped itself, gas, repairs, and that’s about it. In truth, you need moped insurance in almost any state or country to be allowed to drive it by law.

Even in those that you don’t need it, it’s still highly recommended. We went through all sorts of customer feedback and contacted several companies to find the best coverage with the most affordable payment plans. By the end of this article, you’ll see why scooter insurance Is completely worth the small investment.

The Best Scooter Insurance Companies

Before we jump into the most affordable plans, you have to know which companies you can shop through. Since scooters are so popular these days, almost any automotive insurance company offers its own policy for mopeds.

However, some are far too expensive, while others don’t cover enough. Let’s take a look at the best scooter insurance companies around today.

1. Allstate Scooter Insurance

Allstate Insurance

Allstate has some of the best automotive coverage available, so it’s no surprise that their scooter insurance is on the same level. They offer a towing package, rental coverage, replacements and repairs to parts, and property liability payments. They also have medical coverage for accidents as well as a few other optional payment plans.

2. Geico Moped Insurance

Geico Insurance

Geico is popular for its low prices that combine with some of the best coverage on the market. Their moped insurance policies let you feel secure knowing that they’ll replace almost anything or help to pay for the costs in case of an emergency. Moped insurance shouldn’t cost so much that it stresses you out. If you want to save money while getting top-tier coverage, contact Geico.

3. Nationwide Scooter Insurance

Nationwide scooter insurance is as easy as it gets if you’ve never purchased moped insurance before. All you have to do is enter your zip code, make, and model for a quick estimate. Of course, they need further personal information if you actually want to go through with it, but it’s nice to get a ballpark expectation of what you might be paying if you choose their scooter insurance plans.

4. Progressive Scooter Insurance

Progressive scooter insurance is the middle option for people who want to combine an affordable price with top-notch coverage. They’re great for growing families, singles, and everyone in between. Choose from a package, save money on multiple scooters per plan, or insure a single moped. You can get a free quote right from their website without making any phone calls or taking unwanted steps.

5. Rider Scooter and Moped Insurance

Rider Insurance focuses primarily on moped/scooter and motorcycle insurance. This specific niche allows them to save you money by combining payment plans. Add more vehicles onto a single plan to reduce the rate or enjoy their low-priced policies on a single-vehicle. They have all sorts of social media accounts on Facebook, YouTube, Twitter, and more to see new deals and upcoming promotions.

Why Should You Choose to Get Scooter Insurance?

Scooter insurance might seem like just another bill but has the potential to save you tons of money in the long run. Aside from the fact that many places require it, you can also benefit from the fact that you can save money on repairs and accidents.

If you’ve ever been in a car accident, then you know how much money insurance can save you. All of the companies listed have numerous tiers and payment plans, so choose whichever fits your preferences the most.

Another reason that you should consider buying scooter insurance is that it can keep your family safe. If you have a loved one who also drives another scooter or even the same one as you, you can have it insured to save them money in case of an accident.

Unlike car insurance, scooter insurance can be incredibly cheap. This is because scooters themselves are generally cheaper, as are the repair costs. Insurance companies know this, so they don’t charge too much for monthly payment plans or bulk pricing.

Discounts for Scooter Insurance

While a discount isn’t guaranteed until you contact the insurance company and secure the deal, there are a few stock discounts shared across most scooter insurance brands. For example, some of them offer a price reduction if you’re a new customer or someone transferring from another company.

You might also get an AARP discount, a veteran’s discount, or a safe driver discount. Almost all of the companies on the list above come with a long-term agreement that can help reduce the price after 48 to 60 months of continuous payments.

The bottom line is that all of the five scooter insurance brands above are well worth looking into. Get your quotes, find out the coverage as it applies to your specific scooter, and choose that one. Finally, stick with it! The longer you’re with them, the more discounts you’ll get. Good luck!

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By Jason

Passionate writer, Scooter Dad, Father of two, Super active, Tough Mudder conqueror reviewing the some of the top sports related products me and my sons use and love. If you have any suggestions for improvement of MPS, please ping me a message.

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