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Written by Laura Berry
Former Insurance Agent Laura Berry

Joshua is a copywriter at Obrella who for more than 10 years has been creating content about insurance, health care, and more. He helps companies explain complex insurance subjects in simple ways so that customers can make smart buying decisions. He spends way too much time binge-watching Netflix, loves the outdoors and has a cat who tolerates him.

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Reviewed by Joshua Adamson
Joshua Adamson

UPDATED: Jun 29, 2022

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Do I Need to Insure My Moped?

A moped is an expensive piece of equipment and sometimes the only means of transportation you have to get you from place to place. It’s important to insure your moped or scooter so you know you’re covered in case of an accident or other emergency.

Why Moped Insurance is Necessary

Mopeds might not be as large as a car, but they can do a good bit of damage. You can run your moped off the road and into a pole, accidentally hit another person or car, or another car can hit you. You need to be covered in order to pay for the damages and any medical bills you incur.

Many states require moped or scooter insurance for any vehicle you operate on the road. If your moped’s engine size reaches 50 cc or above your state might require you to purchase motorcycle insurance to cover it.

If you’re unsure what type of insurance you need to cover your moped, call and speak with an Obrella agent a call today and we’ll help you decide on the best coverage for your situation.

What coverage is available?

Most areas should offer the same type of coverage available in most motor vehicle policies.

Insurance will help you cover the cost of repairing damages or replacing your moped if you’re involved in an accident. It’s especially important to purchase liability coverage in case you injure another person on the road or damage their property.

You should also consider Medical Payments (MedPay) coverage. A moped is less safe than an automobile and leaves you open to serious injury if you’re in an accident. You’ll want to be covered in case you incur high medical costs after a wreck.

Bundling your scooter insurance with a normal car insurance policy can save you time and money. Holding all of your insurance policies under one provider makes it easier to keep track of your coverage and make sure you’re taken care of after an accident quickly.

To ensure you’re protected while driving, it’s important you have the moped insurance that provides you with all of the coverage you need. Call an agent today so he/she can help you find the policy that is perfect for you.

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