Motor Scooter Insurance...

Is Cheap Scooter Insurance a Good Idea?

You'll need motor scooter insurance if you plan to take your motor scooter on the road. Most people love the idea of getting cheap scooter insurance... but is it all it's cracked up to be?

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All right... so you've finally decided on a motor scooter brand/model and found a local scooter store where you can buy it. That's great!

Do you need motor scooter insurance?

So, now your next step is to start taking care of the legal stuff that will allow you to have fun on your scooter... like motor scooter insurance.

But vehicle insurance can be a pricey proposition, can't it? I know when I bought my scooter, I was definitely on the lookout for cheap scooter insurance. The scooter store I bought my scooter at had said I should be able to get scooter insurance for around $110 a year, which didn't sound too bad.

But the quotes I got at first were quite a bit more than that, so I had to go looking for better rates. It's worth saying that your experience could be different than mine. Insurance quotes are based on a bunch of factors at times, such as...

  • Your driving record
  • Whether you already have other vehicles insured with a company
  • Your age
  • Your state
  • The type & size scooter you chose

There may be other issues as well, but those are the main ones I can think of when it comes to motor scooter insurance rates. Be sure you check my state scooter laws pages, where you can find out if your state requires insurance or not. If not, you may save a bit. But, if you need it, then you'll want to purchase it an inexpensively as you can, right?

Some Motor Scooter Insurance Possibilities

Cheap scooter insurance can be had, if you look hard enough!

I started at GEICO, as my daughter and significant other had gotten great rates with them on both car policies and a motorcycle policy.

But I wasn't so fortunate. They wanted to charge me over $200 a year. I don't know if the fact that I'd been without a vehicle or car insurance for a couple of years had anything to do with it or not.

I think that's real possible, though, so I wouldn't count them out.

I have recently read on various scooter forums and blogs that people have gotten rates in the $100 to $150/year range from GEICO, so definitely check them out.

The great thing about today's Internet-driven world is that you can get free, no obligation quotes online in minutes. Talk about convenient and fast. Of course, if you enjoy driving around to different insurance offices in your town and talking to high pressure salespeople, that's still an option too!Smile

Next, I visited AIG, but that was a dead end, as – at the time anyway – they weren't offering motorcycle policies. My next stop was Progressive, and there I struck gold. They sent me back a quote within minutes and it was right within my target budget.

Progressive had a great rate and their system was easy to navigate. In less than an hour, I had my new scooter insurance in place. Another great option might be a company like Allstate or State Farm.

But again, your experience might vary...

Don't Be Afraid to Shop Around!

You can sure start with Geico and Progressive and see what happens, but another option is to do a Web search for "cheap scooter insurance". I've put a Google search box below so that you don't even have to leave my site!


Be careful, though, that you go with a reputable firm for your motor scooter insurance needs. There are a lot of charlatans out there on the Web.

In Summary...

You may or may not need motor scooter insurance, depending on the size of your scooter and where you live. If you do need it, you shouldn't have to pay a lot for it... certainly nothing like it costs for a 4-wheeled vehicle. I pay less than $100/year here in Idaho for my 125cc scooter, so that's pretty cheap scooter insurance.

To get the best rates on scooter insurance, shop around. There are many great deals to be had if you go looking for them!

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ATTENTION! I have had to delete the Scooter Forum for this site, unfortunately. Despite my best efforts, I could not adequately prevent daily attacks by hackers and spammers. Even though most of their posts did not go public, they still cluttered up my website host's server space, jeopardizing my account. I appreciate everyone's contributions over the past few years and I apologize for having to do this.

Wondering why your scooter question never got posted?

Chances are, there is a good reason. Did you...

If you "checked yes" on any of the points above, then I've deleted your post. Sorry, but I have standards. Feel free to re-submit, following the instructions I have everywhere on the site.

Also... all submissions have to be reviewed by me, and I am currently backlogged. Comments go live without approval, but still take 30 to 60 minutes to show up, so don't repost them, please.

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