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Affordable scooter and moped insurance coverage

Much like motorcycles, scooters and mopeds have inherent risks. With the right safety apparel, driving habits, and insurance coverage, you can ride your scooter or moped with confidence.

We’ve been insuring two-wheeled rides since 1966, and that experience has shaped our coverage options detailed below. With our money-saving scooter and moped insurance discounts, you can have affordable coverage in case something happens to you or your scooter or moped. Get a quote today and let’s ride—together.

Scooter/moped insurance coverages


If you hit something—like another vehicle, a curb, or debris on the road—collision coverage helps you pay the repair bill for your vehicle. You choose your deductible amount.


Two-wheeled rides are easier to steal than four-wheeled vehicles. Protect your scooter or moped against theft with comprehensive coverage. Comprehensive also covers vandalism, fire, and weather-related incidents.

Bodily injury

Bodily injury liability coverage helps you if you cause an accident where someone gets hurt—or worse—by paying for the victim’s lost wages, medical bills, and other expenses.

Medical expense

Medical bills can be expensive. This coverage helps pay medical bills if you’re hurt while riding.

Personal injury protection

Personal injury protection helps cover medical costs for you and any other eligible person regardless of who’s at fault. This coverage may be limited in some states, so inquire about the details before purchasing.

Property damage

If you jump the curb and take out a fence or mailbox, property damage coverage helps cover the costs to repair or replace someone else’s property. Reminder: This doesn’t cover damage to your own property.

Physical damage plus

When you have physical damage plus paired with your scooter and moped insurance, you’ll receive only genuine, original manufacturer replacement parts during the repair process.

Optional/special equipment

No matter what we ride, we like to make it our own. That might include optional or special equipment outfitted for your scooter or moped. Protect that investment with this coverage.

Underinsured motorist bodily injury (UIMBI)

If you’re in an accident and the other operator is at fault but doesn’t have enough insurance to cover the cost of your injuries, this coverage kicks in up to your policy limits.

Underinsured motorist property damage (UIMPD)

This coverage pays for damage to your scooter or moped that the other rider or driver’s insurance doesn’t cover—up to your policy limits.

Rental reimbursement

Rental reimbursement helps foot the bill when riding a substitute because your usual two-wheeler is in the shop for repairs.

Transport trailer

This is a great insurance coverage to have if you’re transporting your scooter or moped on vacation, or you have to trailer your vehicles to your riding location. If something happens in transit, this coverage helps pay for the damage to your trailer.

Roadside assistance

This insurance coverage is great to have when the unexpected happens, such as a dead battery, empty gas tank, flat tire, or even a lost ignition key. We’ll help you no matter the time of day.

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