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Do You Need To Insure Your Moped?

Moped Insurance Considerations

Mopeds are an inexpensive, convenient alternative to a car when it comes to getting around town. While they may not be a great choice if you are planning on making a road trip across state lines, they can allow you to get around much easier. Before you strap on your helmet, it is important to consider what driving a moped or scooter will mean for your insurance.

Typically, a vehicle is considered a moped if it has two wheels and an engine smaller than 50 cubic centimeters, or a top speed that is lower than 30 miles per hour. In Idaho, to be considered a moped, the vehicle also has to have pedals, or be a slow electric bike without pedals. In the eyes of insurance companies, motorcycles are two-wheeled vehicles that have larger engines or go faster than mopeds.

Each state is a little different on the amount of insurance coverage that they require for motorcycles and mopeds. In Idaho, while you are required to have liability insurance for motorcycles and fast scooters, you are not required to have any insurance coverage for slow scooters and mopeds. However, you can still invest in a policy to help keep you safe on the road. If you are leasing or financing your scooter, make sure to check with your insurance company to see if they require insurance coverage while you are still paying it off.

For more information about choosing the right motorcycle insurance coverage for your needs, contact the insurance professionals at Bell Black Insurance in Rexburg, Idaho. As an independent insurance company, we will work with you to make sure that you have the protection that you need for your two-wheeled vehicle, all at the right price to fit your budget.