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Scooter Insurance

Harley-Davidson is a brand not known for its scooters. In fact, the only motor scooter ever produced by the company is the Harley-Davidson® Topper. 

Whether you’re lucky enough to have one of these rare scooters or a scooter from another brand, we can provide you with the scooter insurance you need. 

From 50cc all the way up to 500cc, Harley-Davidson® Insurance will insure just about any scooter, including custom, vintage, and rare scooters.

Some of the most common scooter brands on the market today include:

  • Suzuki
  • Yamaha
  • Honda
  • Vespa
  • Piaggio

Getting your free quote online is easy. All you need to do is enter a few details, and you can insure your scooter for as little as $12.50 per month.

Of course, we understand that you may need more information before progressing with your quote.

Below, we’ll tell you more about scooter insurance and what you need to consider choosing the perfect policy for your unique needs.

What is a scooter?

While many use the terms ‘scooter’ and ‘moped’ interchangeably, they’re not the same.

If there is a platform where you can rest your feet while on the move, you’re most likely riding a scooter. However, if the engine is below 50cc, it’s classified as a moped.

Consequently, scooters tend to cost more than mopeds because of the increased top speed, acceleration, sophistication, engine size, and power. Therefore, scooters are also usually more expensive to insure than mopeds.

Do you need to insure your scooter?

Different rules and regulations in the United States depend on your location. Because of this, it’s vital to understand the scooter insurance laws in your state. Nevertheless, you’ll find that most states require liability insurance coverage at a minimum for a scooter.

Two of the more lenient states are Montana and Florida, yet they still have some insurance requirements. For example, you need motorcycle insurance if you’ve taken out a loan to pay for some or all of your scooter.

No matter where you’re based in the US, we always advise that you take out an insurance plan. This will better protect you should something happen to your scooter.

Harley-Davidson Insurance will help you find the right insurance policy for your scooter type, budget, location, and corresponding state requirements.

Liability coverage is the minimum legal requirement in most states

Liability coverage is often the lowest possible protection when looking for the best scooter coverage. This policy may pay out if you’re involved in an incident, and you’ve caused damage to someone else or their vehicle.

It doesn’t cover incidents such as theft or vandalism. Moreover, your scooter repair costs aren’t usually covered either. It’s only about protecting the third party.

As a result, it is often recommended to add more coverage to become better insured.

Different kinds of scooter insurance coverage

At Harley-Davidson Insurance, we have many insurance coverages available. Here are some of the options you can add to your policy:

Bike Replacement Cost

Bike replacement cost

If your scooter is damaged, to the point of being deemed a total loss, Replacement Cost coverage may provide the total replacement value rather than the depreciation value.

Scooters that qualify for this coverage are those that have not been previously owned/titled/registered to anyone else, and are the current model year or one year older.

Motorcycle helmet

Accessories insurance coverage

Sometimes referred to as ‘Optional Equipment,’ this optional coverage may ensure the policyholder can fully repair or replace any damaged or stolen accessories without bearing the entire financial burden themselves.

This may include custom or additional parts and accessories added to the scooter beyond its original manufacturer's specifications.


Full cost optional equipment replacement

Suppose the optional equipment is also damaged or destroyed in the same event that causes the scooter to be a total loss. In that case, the policyholder may receive compensation to cover the cost of replacing the equipment.

Full Cost Optional Equipment Replacement coverage may protect any optional equipment that has been added to a scooter. This may include aftermarket exhaust systems, high-performance engine parts, or chrome accents.

How much will it cost to insure your electric scooter?

As mentioned, the cost of your insurance policy may differ based on engine size and several other factors.

Factors influencing scooter insurance cost

  • Your age - Your age typically goes hand in hand with your experience, and this is considered when compiling an insurance quote. 
  • Scooter type - This relates to the make and model of the scooter, whether you opt for a new or used scooter, and how powerful the engine is.

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

Tips when taking out scooter insurance

We’ve helped many people to find the perfect scooter insurance policy for their needs, so here are a few of our top tips to assist you:

  1. Add any other riders - Will anyone else be using your scooter? If so, you’ll need to disclose this while making your application.
  2. Pay yearly if possible - If you can afford to pay for your yearly insurance plan in one go, it makes sense. Most insurance providers offer discounts for those who pay per year instead of per month. 
  3. Have all your information ready - Before you begin your quote, get all the information about your scooter's make and model, the engine size, and so on. 
  4. Find out if you are eligible for any discounts - You may qualify for a discount, for example, if you’ve added safety features to your scooter or completed an approved scooter safety course.
  5. Be honest about any modifications or enhancements - If you’ve made any changes to your scooter, you must disclose these. Failure to do so could render your policy invalid.

Six benefits of Harley Davidson® Insurance for scooter insurance

If you’re wondering why Harley Davidson® Insurance is the right choice for you, here are six essential reasons:

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We have various discounts on offer

These include multi-bike discounts, law enforcement discounts, military discounts, and much more.


We write insurance in 48 states

The areas that we do not sell policies in are: Washington, D.C., Hawaii, and Alaska. Nevertheless, you may be covered if you reside in one of the other states but wish to ride your scooter in Washington, D.C., Hawaii, or Alaska.

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We have a vast range of coverage options

From liability insurance to comprehensive coverage, we offer it all.

Motorcycle icon

We provide motorcycle accident forgiveness

If you are involved in an incident, your insurance premiums will not automatically increase.

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We provide insurance for all types of scooters

Give us a call for a quote.

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We offer discounts for many of our scooter riders

If you’ve completed an approved safety course, such as the Motorcycle Safety Foundation (MSF) Class, we may be able to offer you a discount.

FAQ about scooter insurance

  • Is it cheaper to insure a scooter vs. a motorcycle?

    Various factors influence the cost of an insurance policy for a motorcycle and a scooter.

    That said, maintenance costs for a scooter, fuel expenses, and average insurance costs tend to be lower.

  • Should I buy a scooter or a motorcycle?

    This is a highly personal choice and will depend on your circumstances.

    Positives for scooter ownership include fuel efficiency, typically more affordable price points, and increased maneuverability.

    On the other hand, motorcycles tend to have larger engines and, therefore, higher top speeds. A motorcycle is also the better choice for long-distance rides.

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 Cruiser


A popular type of motorcycle known for its V-twin engine and full-view design.

Learn more

Harley Davidson Bike Icon Sport

Sport bikes

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

Learn more

All product names, logos, brands, and trademarks are property of their respective owners. All company, product, and service names are for identification purposes only. Use of any of the foregoing does not imply endorsement.
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