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Do I Need Motorcycle Insurance for My Scooter?

Updated: September 2016

A scooter may offer great gas mileage, an alternative way to commute and a fun ride around town. You'll likely want to protect your ride, but how do you know whether scooter insurance is required? The answer depends on your state's laws and the type of vehicle you drive.

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That's because each state defines and regulates "scooters" a bit differently, often based on engine size. And scooters can have a wide range of engine sizes. For example, a small scooter may have a 50-cubic-centimeter (cc) engine, while a large scooter may be 650cc and above, according to the Motorcycle Safety Foundation.

In general, if your scooter's engine is 50cc or larger, your state may require you to insure it. To be sure, check with your local insurance agent.

Here is some helpful information to consider when it comes to buying scooter insurance.

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What Type of Insurance Policy and Coverage Do I Need?

Some insurance companies cover scooters under motorcycle insurance policies. Others write specific scooter insurance policies. Either way, it's smart to understand what coverages may be available to help protect you and your scooter. Here are some of the basics:

Liability coverage:
As with automobiles, drivers in most states are required to carry minimum amounts of liability coverage. There are two types of liability coverage:

  • Bodily injury liability:
    May help pay for damages if you cause an accident that injures someone else.
  • Property damage liability:
    May help pay for repairs if you cause an accident that damages someone else's property.

Learn more: What Type of Motorcycle Insurance Do I Need?

Collision coverage:
If you collide with another vehicle, or another object such as a fence, collision coverage may help pay to repair or replace your scooter.

Comprehensive coverage:
This coverage may help pay to repair or replace your scooter if it's damaged in an accident that's not a collision. Covered losses may include fire, vandalism or theft.

Read more: Collision and Comprehensive Coverage: Motorcycle Insurance That Protects Your Bike

Uninsured and underinsured motorist coverage:
If you're if you're hit by an uninsured or underinsured driver, this coverage may help. An uninsured driver has no insurance. An underinsured driver has liability limits that are not enough to cover all of your damages if you're injured in a crash they cause.

Learn more: What Is Uninsured and Underinsured Motorist Coverage?

Medical payments coverage and personal injury protection (not available in all states):
Medical payments coverage may help pay for your medical bills if you're injured in an accident on your scooter. Similarly, personal injury protection (PIP) may help pay for your medical bills after an accident. PIP may also help cover lost wages if you're unable to work after an accident.

Read more: Medical Payments Coverage and Personal Injury Protection for Motorcyclists

Finally, it's important to know that all insurance coverages have limits, which is the maximum amount your policy will pay after a covered loss. Additionally, some coverages may have a deductible, which is the amount you'll pay out of pocket before your insurance pays for a covered loss.

Read more: What Are Insurance Limits, Premiums and Deductibles?

Need help deciding what coverages might make sense for you and your scooter? Talk to a local agent for more information.

Related Resources:

This content is for informational purposes only and may not be applicable to all situations.

Coverage subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2018 Allstate Insurance Company, Northbrook, IL.
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