How much is moped and scooter insurance?

What factors affect moped and scooter insurance cost?

Insurance companies consider several components when determining your rate. The most common include:

Age

Rates are typically higher for new drivers and drivers under 25 years old.

Location

Minimum coverage requirements vary by state, and areas with a higher rate of accidents or theft may also have higher insurance rates.

Driving history

You may pay less for moped and scooter insurance if you have a clean driving record. Your rate may increase if your driving history includes traffic violations or accidents.

Type of moped or scooter

The make, model, age, and overall value of your vehicle are factored in when calculating your rate. The engine size is a factor, too: a 50cc scooter may have an insurance cost lower than that of a 150cc scooter.

Mileage

If you drive your scooter or moped daily, your rates will likely be higher than if you only drive it occasionally.

Amount of coverage

The cost of your moped or scooter insurance depends on the policy that you choose. If you require a policy with greater coverage, the cost of insurance will be higher. A less extensive policy will come with a lower rate.

You may need to purchase additional coverage such as comprehensive coverage and collision coverage if you're leasing or renting your moped or scooter, as lenders often want to provide extra security for their property.

How to get cheap moped and scooter insurance

There are several motorcycle insurance discounts you can take advantage of to lower your moped insurance costs with Progressive, such as:

• Advance quote discount
• Motorcycle license/endorsement discount
• Association discount
• Safety course discount
• Responsible driver discount
• Military discount
• Paid in full discount
• Prompt payment discount
• Automatic card payments discount

You may lower your moped and scooter insurance cost over time if you maintain a safe driving record.