How Much Does Scooter Insurance Cost in the USA?

How much does scooter insurance cost in the USA? If you’re a new scooter owner and would like to know how much this insurance costs, this article is for you. In this article, we will discuss how much scooter insurance costs in the USA. In the meantime, scooter insurance, just like motorbike or moped insurance, is a type of insurance designed to financially protect owners and riders of scooters in cases of damage, theft, accidents, or other unforeseen events. Getting this insurance is important, especially if it is legally necessary in your country.

How Much Does Scooter Insurance Cost in USA?

However, if the law of your state doesn’t require you to have an insurance policy, you can choose to leave your ride unsecured. The United States, for instance, requires you to have an insurance policy. But before you can start shopping for one, it is important that you know how much it costs. Hence the reason for this article: this article will provide you with the cost of purchasing scooter insurance, especially if you reside in the United States.

How Much Does Scooter Insurance Cost in the USA?

The average cost of scooter insurance in the United States falls within the range of $56.58 to $126.33 per month. However, the cost also varies depending on the company you are purchasing a quote from. As mentioned earlier, some factors affect the price of getting insurance, but the company is one of the important factors. Here is the cost of scooter insurance as it differs by company:


Factors That Affect Scooter Insurance Cost

To repeat, one of the most common factors that affects the cost of scooter insurance is the company. But it doesn’t stop there. Here are some other factors that affect the price of purchasing motorcycle insurance in the United States:

  • Age.
  • Location.
  • Your usage of the scooter
  • Driving history.
  • The model of your scooter

These are some of the basic factors that affect the price of getting scooter insurance in the United States of America. But if you do not like it, you can customize your quote.

What Does Scooter Insurance Cover?

Before choosing a company that offers scooter insurance, you must first find out their coverage options. So, if you are new to this or have purchased a scooter for the first time, here is the coverage you get to enjoy:

  • Medical payments.
  • Property damage liability
  • collision and comprehensive insurance.
  • Uninsured motorists.
  • Bodily injury.
  • Stolen belongings and content

Though collision and comprehensive insurance are option coverage types, they are separate but often sold together.

States with the Cheapest and Most Expensive Motorcycle Insurance

In this section, you are about to discover some of the states with the cheapest and most expensive motorcycle insurance and how much they cost per month:

North Dakota$28Michigan$79
South Dakota$38Louisiana$95

The Cheapest Scooter Insurance Companies in the USA

If you are focused on getting scooter insurance in the United States, here are some of the cheapest companies that you can consider:

  • Geico.
  • Allstate.
  • Nationwide.
  • Dairyland.
  • Progressive.
  • Markel.


Geico is one of the most well-known vehicle insurance companies in the United States. Apart from auto insurance, you can also enjoy home insurance and other policies from this company. What’s more, Geico provides good customer service, a nice user experience, and affordable rates for clients. You can also get quotes and manage them online.


Allstate is the perfect company to use if you are searching for an insurance company with a lot of features and discounts. Furthermore, they offer the best customer service as well. However, their rates are a bit higher than those of other companies, but they are among the cheapest scooter insurance companies in the USA.


Another cheapest scooter insurance company to check out in the United States is Nationwide. Though it is a bit pricey, its coverage and services are worth the cost. In addition, if you are looking for convenience and excellent customer service, you can visit Nationwide’s official website to get a quote online.


Dairyland is on the list of the best and cheapest scooter insurance companies. However, they are known to have terrible customer service. Nevertheless, it is the perfect place to get a quote for a biker who needs road trip interruption coverage and replacement cost coverage.


If you are looking for a suitable company to get scooter insurance, motorcycle insurance, or auto insurance, Progressive has got you covered. Some of their services include renter’s insurance, auto insurance, motorcycle insurance, and home insurance. Progressive also offers different features and discounts.


With the best rates and excellent customer service, Markel is an amazing choice for motorcycle coverage. What’s more, you can access their service in 48 states and enjoy amazing coverage options and rates for your scooter.

Final Thoughts

There you have it: the best scooter insurance companies in the United States. Besides, you get to find out the cost of scooter insurance in this part of the world, so what are you waiting for? Go and choose a quote online today.