Scooter Safety Tips

These two-wheeled machines are a great way to get around, and they're typically pretty easy on your wallet. Some scooters get nearly 100 miles per gallon, and they generally cost much less than motorcycles.

Woman riding her Allstate insured scooter

Scooters come in different sizes, from under 50 cubic centimeters (or cc) up to 250cc. Most states prohibit the smaller scooters from riding on highways, since 50cc scooters only reach a top speed of around 30-40 miles per hour. For contrast, motorcycles' engines range from 250cc up to 2,000cc.

Scooters may be fun and economical, but they're not equipped with the kind of safety features—things like protective air bags and seat belts—that come standard on cars, and they don't have the on-road stability of motorcycles. Even if you already know how to ride a scooter, do some homework to make sure you have a safe scooter ride. You can't be too careful, and you'll need to have the right level of scooter insurance, since it's mandatory.

The Skinny on Scooter Insurance

Carrying scooter insurance isn't optional: insurance is required in every state for any vehicle that is built for public road use. Scooters are essentially smaller motorcycles, and insurance companies may insure scooters under their motorcycle coverage. Scooter insurance is usually less expensive than motorcycle coverage.*

Here at Allstate, we insure scooters under our motorcycle insurance, which means our coverage also goes the extra mile to cover both you and your scooter, and you still enjoy a lower rate. Essentially, we cover your scooter from tail light to headlight. If the car parked in front of your scooter gets a little too close and damages your bike, we've got your back. Other Allstate coverage includes passenger liability, accident protection, and underinsured motorist protection (in case the other driver doesn't have any insurance).

And if you own more than one scooter, our multiple motorcycle discount can save you 10-35%. Allstate offers several discounts for scooter riders, too—everything from good rider discounts to multiple policy discounts, and more.

It only takes a few minutes to get your free, no-obligation quote and find out how Allstate can help you protect your scooter. You can also call us at 1-877-379-BIKE (1-877-379-2453), or find an agent near you to get info on scooter insurance that covers both you and your ride.

How States View Scooters

States view scooters differently—some states treat smaller scooters as bicycles with helper motors, while the larger scooters are seen as motorcycles. Some states also require scooter drivers to get special endorsements to their licenses before they can legally ride. So before you hit the road, contact your local DMV to learn the rules and regulations within your state.

More Scooter Safety Tips

Beyond getting the right insurance, here are some scooter safety tips to help you stay safe on your ride.

  • Scooters can be practically invisible to hurried drivers, so ride defensively and constantly scan the road. Some experts recommend checking the rearview mirror every 5-7 seconds. Be aware of your blind spots, and wear bright and/or reflective clothing.
  • Riding safe means wearing the right gear. For help picking out quality safety gear and other road essentials, check out our Tips for Buying the Right Gear article.
  • Scooters are more vulnerable than cars or motorcycles to the hazards of the road. A car can drive right over a pothole, for instance, that could present a big problem for a scooter.
  • Some insurance companies will offer discounts if you take a scooter safety course.

When you're riding a scooter, it's important to maintain a good rapport with other drivers on the road. If you find yourself in a situation with someone exhibiting signs of road rage, avert eye contact and pull over to escape further trouble. For more tips, check out our article on Dealing with an Aggressive Driver.

Scooter Insurance That Doesn't Break the Bank

We make it easy to get a free, no-obligation quote for your scooter. You can also call us at 1-877-379-BIKE (1-800-877-379-2453), or find an agent near you.

Published: August 2011

*Annual scooter and motorcycle premiums can vary based on coverage options selected. Scooter and motorcycle coverage are subject to terms, qualifications, and availability. Policy issuance is subject to qualifications. Scooter and motorcycle insurance are available through Allstate Insurance Company, Northbrook, IL.

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