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Moped Insurance

No matter what make or model of moped you own, you’ll need to insure it to ensure your investment is protected.

While this is not a segment of the motorcycle market that Harley-Davidson has branched into, we provide insurance for all makes and models across the United States.

Below is a sample of other common moped brands that we insure:

  • Sym
  • Piaggio
  • Peugeot
  • Kymco
  • Lexmoto

It’s simple to get a free online quote. Input your details, starting with your zip code, and get moped insurance for as little as $12.50 per month!

Need more information before starting a quote? We get it. With so many different insurance policies and coverages, it can take time to know where to begin.

Below, we will reveal key things you need about moped insurance so you can choose the best policy for you.

What is a moped?

A moped is a type of small motorcycle that typically doesn’t have as strict of licensing requirements as automobiles or full motorcycles. However, you likely still need insurance!

Most mopeds on the market today don’t have manual gears; they simply twist and go. They’re incredibly economical and convenient, an excellent choice for those seeking a little runaround in cities with a lot of traffic. 

However, mopeds aren’t allowed on major highways due to their engine size, with a maximum of 50cc. This means most mopeds will only reach between 28 and 30 miles per hour. 

Do you need to insure your moped?

In the United States, moped insurance requirements differ from state to state, so it’s vital to understand the moped insurance laws in your state.

In most states, you’ll be required to take out a liability insurance policy at a minimum if you have an engine of 50cc or greater.

However, some states require insurance for engines with top speeds below 30 mph or engines less than 50cc. Therefore, it’s critical to educate yourself on the requirements in your state.

Moped licensing and requirements

In some areas, a license or endorsement is needed to use a moped on the road. However, there are some states where you don’t need a special license at all to ride a moped.

The following states do not impose specific motorcycle licensing requirements for mopeds:

  • Virginiai
  • Pennsylvaniaii
  • Coloradoiii
  • Oregoniv
  • North Carolinav
  • Illinoisvi
  • Floridavii
  • Montanaviii
  • Maineix

Aside from the legalities, insurance for your moped is also imperative to protect you from the financial consequences of losses for you which you a liable if you’re involved in an unplanned incident.

Different types of moped insurance coverage

With Harley-Davidson Insurance, we have many different coverages available, ensuring you find the right plan for your moped. 

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Liability coverage

Liability coverage is recommended as the bare minimum you should opt for. If you are found responsible for damages to another individual or their property, you may be covered up to your liability policy limits.

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Collision coverage

Collision coverage provides coverage for the costs to repair damages to your moped if you hit - or are hit by - another object or vehicle.

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Comprehensive coverage

We typically recommend comprehensive insurance to protect your moped from damages not covered by collision - such as theft, fire, or vandalism.


Motorcycle helmet

Accessories insurance coverage

Our customers enjoy tinkering with their mopeds to make commuting more enjoyable. Those additional accessories you’ve added to your bike? Not to worry. We offer coverage for that.

How much will it cost to insure your moped?

While industry studies provide a broad range of average moped policy costs, these estimates vary widely based on your specific moped type and several other factors.

Factors influencing moped insurance cost

  • Coverage - Your decision on the various types of coverage will influence the cost. The more coverage you buy, the more expensive your insurance may be.
  • Where you live - Insurance costs may be higher in some states than others. 

Icon of a dollar sign with a circle around it   Learn more about our money-saving discounts on motorcycle insurance.

Tips when taking out insurance for your moped

How can you ensure you get the best quote and coverage? Here are some tips when getting insurance quotes for your moped.

  1. Add all possible riders to your quote - To get the most accurate quote, it’s vital to add any potential riders.
  2. Pay your insurance yearly if possible - While paying monthly may be more convenient, it’s often more expensive. This is because insurers may offer you a discount for paying for the year in full.
  3. Know the model, make, and year of your moped - To get an accurate quote, make sure you’ve got all this information ready.
  4. Consider completing a motorcycle safety course - Completing an approved safety course is an excellent way of lowering your premiums.
  5. Disclose any modifications or enhancements you’ve made to your moped - If you have modified your moped in any way, now is the time to disclose that information.

Why pick Harley-Davidson® Insurance for moped insurance?

There are several reasons why Harley-Davidson® Insurance makes sense:

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We provide various discounts

including multi-bike discounts and military/law enforcement discounts.


We write insurance in 48 states

We currently cannot provide moped insurance in Hawaii, Alaska, or Washington, D.C. Nevertheless, if you’re based in any of the other 48 states, you can still ride your moped in the three areas mentioned.

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We insure all types of motorcycles

We insure mopeds and other bikes, brands, and vintage motorcycles too.

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We have a broad range of coverage options

You can customize your insurance policy to meet your unique coverage needs.

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We provide motorcycle accident forgiveness

if you’re involved in an incident, your insurance rates won’t automatically increase.

FAQ about moped insurance

  • What makes a moped different from a scooter?

    Mopeds and scooters are similar in a lot of ways. However, scooters have a bigger engine size, typically ranging from 50cc to 250cc. This means they can attain higher top speeds, typically around 60 to 70 miles per hour.

  • What is needed to ride a moped in Texas?

    If you live in Texas, you must have a minor or valid driver’s license to ride legally.

    Nevertheless, unlike a motorcycle, you don’t need a particular class of license to ride a moped. You can use a standard driver’s license.

    The moped must also be registered if you want to use it on a public road.

  • Do I need insurance for a moped in New York?

    Yes, you will need to carry insurance for a moped in NY. You must also register your moped with the DMV and hold a motorcycle license.

  • Do I need insurance for a 50cc moped in California?

    To ride a moped in California, you must wear a helmet and be 16 years old.

    To register a moped, you don’t need insurance, but you need an ID card and special license plates, and you’ll need to pay a registration fee. 

    Despite this, you’re highly advised to take out an insurance policy to protect your investment and to cover you and others when riding.

What types of motorcycles are covered with Harley-Davidson insurance

Harley Davidson Bike Icon Touring

Touring bikes

Designed to provide a comfortable experience for riders on long-distance trips.

Learn more

Harley Davidson Bike Icon Scooter


Small, lightweight vehicles that are designed for short commutes.

Learn more

Harley Davidson Bike Icon Sport

Sport bikes

Commonly referred to as street bikes, these are designed for speed and agility.

Learn more










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