DO I NEED MOTORCYCLE INSURANCE FOR MY MOPED?

A moped is a small, lightweight motorized two-wheeler. Many states define a moped by a few key factors:

• How big is the engine (often 50cc or less)

• How fast it can go (often around 25–35 mph)

• The type of transmission it has

• Sometimes, whether it has petals or not

But, because definitions vary from state to state, it’s important to double-check how your state classifies your two-wheeler before assuming license, registration, and insurance rules apply.

It depends on the state you're based in (more on that in a minute). However, even though moped insurance is not a legal requirement in all states, it does come highly recommended.

Even if insurance isn’t required, liability and theft/damage coverage can still be a smart choice to limit out-of-pocket costs after an unplanned incident.

After all, you've spent money on your moped, so you'll want to protect your investment. Also, it's vital to ensure you're covered in any motor vehicle incident on public roads or mishaps involving bodily injury to another person or damage to someone else's property.

When moped insurance is usually required

• If your state requires liability coverage for mopeds or for your vehicle type

• If you need to register your moped, you have to have proof of insurance to do so

• If you financed your moped and your lender requires comprehensive and collision coverage

When insurance may not be required (but still worth considering)

• If your state doesn’t require coverage for mopeds as defined by local law

• If you only ride on private property (rules vary - confirm your local requirements)

Why riders still buy coverage even if it’s optional

• Liability exposure can be expensive, even at low speeds

• There’s still a risk of theft or vandalism while parked

• If you are involved in a mishap, medical costs can add up quickly

The key difference is often legal classification, not necessarily the look of the moped.

Lots of people assume that mopeds and scooters are basically the same thing, but that's just not true. Here are some of the main differences:

Mopeds usually have engines smaller than 50 cc. Scooters, on the other hand, have much bigger engines - often between 50 and 250 cc.

Mopeds can only go about 30-40 mph. Scooters, by contrast, can reach speeds of 60-70 mph. In some states, scooters are even allowed on highways - but mopeds aren't.

Scooters have a step-through design with a platform for your feet. Some mopeds have this style too, though some have pedals instead.

These are the three key differences between mopeds and scooters. However, definitions do differ from state to state. That’s why it’s vital to determine whether your state deems your vehicle to be a moped or scooter to ensure you get suitable motorcycle insurance coverage.

Motorcycles are generally way more powerful and designed for sustained high speeds. As a result, the licensing, registration, and insurance requirements are usually more strict for motorcycles than for mopeds.

So, what are the main differences between a moped and a motorcycle?

Motorcycles have a much larger engine displacement and are more powerful than mopeds. Mopeds are typically defined with engine size limits smaller than 50 cc. However, modern motorcycles range between 125 cc and 1,000 cc or more.

The maximum speed of a motorcycle far exceeds that of a moped. Motorcycles typically reach between 200 and 270 mph, whereas mopeds have a maximum speed between 30 and 40 mph.

Motorcycles come in all sorts of styles and designs, depending on your chosen type. A standard motorcycle will have a medium seat height, an upright, neutral rider position, and typically little to no fairing.

In most states, you have to be at least 14 or 16 years old to ride a moped - and you need a valid moped permit. Confirm your local minimum age, permit rules, and helmet requirements.

In most states, a license is required to drive a moped¹. Check the laws in your state to see if you need a motorcycle license or if a regular driver's license will do.

Below are some of the most common licensing scenarios:

• Driver’s license required, but not a motorcycle endorsement

• Moped permit or restricted license required (often needed for younger riders)

• Motorcycle endorsement required if the vehicle exceeds certain specs (speed/cc)

Yes, in most states (but not all), you need plates for a moped, and you'll need to register your new vehicle. Proof of insurance may be required to legally register your moped, depending on your state and the classification of your ride.

If you are unsure about the specific laws and regulations regarding mopeds in your area, it is always a good idea to check with your local DMV or other relevant regulatory agency to ensure that you are following all applicable laws.

Mopeds being street legal varies depending on where you live.

In many places, mopeds are good to go for city streets as long as they meet certain requirements - like having a low enough engine size and speed limit, being registered and insured.

Here are some common rules to keep in mind when it comes to driving your moped:

• Mopeds are often allowed on city streets, as long as the speed limit matches the vehicle's capabilities

• Mopeds are often restricted from limited-access highways and some higher-speed roads

• Your local ordinances may add even more restrictions

No, you don't need moped insurance in every state. However, taking out liability coverages is advisable to minimize your financial responsibility if an unplanned incident occurs. Check your state's requirements with regard to insurance while operating a moped.

Similar to motorcycle insurance policies, your premium may depend on several different factors, including:

• The moped’s value

• The make and model of the moped

• Where your moped is garaged or stored

• Your driving experience and riding history

• Your credit history, if it is an allowable rating factor in your state

Of course, the level of coverage plays a role as well. If you opt for basic liability insurance, it may be cheaper, however it may not provide the level of protection you desire in the event of an incident.

Comprehensive moped insurance, which may cover most incidents (theft, vandalism, fire, or weather damage), will likely be more expensive.

How to potentially lower your monthly premium cost:

• Choose a higher deductible for comp/collision (if you can afford it)

• See if your insurance company offers safety course discounts

• Store your moped safely and consider adding anti-theft devices

Here are some general tips to improve moped driver safety:

1. Wear a helmet: A helmet is the most important piece of safety equipment you can wear while riding a moped. Make sure it fits properly and is securely fastened.

2. Follow traffic laws: Mopeds are considered motor vehicles and must follow the same rules as cars and motorcycles. Follow traffic signals and signs and obey speed limits.

3. Be visible: Wear bright or reflective clothing and use lights and reflectors on your moped to ensure other drivers can see you.

4. Be aware of your surroundings: Look for potential hazards such as potholes, gravel, or other obstacles in the road. Be aware of other vehicles around you and anticipate their movements.

5. Practice defensive driving: Always assume that other drivers cannot see you or will not yield to you. Stay alert and be prepared to take evasive action if necessary.

6. Keep your moped in good condition: Regularly check your brakes, tires, lights, and other equipment to make sure they are functioning properly.

7. Take a safety course: Consider taking a moped safety course to improve your skills and knowledge of safe riding practices.

Following these tips can help reduce the risk of accidents and injuries while riding a moped.

Moped insurance requirements will vary depending on the laws in your state. In general, moped insurance is required in most places to legally operate a moped on public roads.

In addition, it's a good idea to shop around for insurance providers to ensure you get the best coverage for your money.

Harley-Davidson^® Insurance can give you peace of mind by providing insurance for your moped that suits your needs and budget!

Start your free, personalized quote online by entering your zip code on our website.