Do you need insurance for electric scooter

Last Updated: April 1, 2023

Yes, it is recommended to have insurance for your electric scooter to protect yourself and others in case of accidents or damage. Electric scooter insurance can provide financial protection and peace of mind. Here’s an overview of electric scooter insurance:

Importance of insurance:

Insurance for electric scooters is essential for several reasons:

      • Legal requirements: Some regions may require electric scooter riders to carry specific insurance coverage, such as liability coverage.
      • Financial protection: Insurance can protect you from significant financial losses in case of accidents or damage to your scooter.
      • Personal liability: Insurance can cover damages or injuries you may cause to others while riding your electric scooter.

Types of insurance coverage:

There are several types of insurance coverage available for electric scooters. Depending on your needs and local regulations, you might choose one or a combination of the following:

i. Liability coverage:

Liability coverage protects you if you are responsible for causing bodily injury or property damage to others while using your electric scooter. It covers legal fees and any settlements or judgments that may arise from a claim.

ii. Collision coverage:

Collision coverage helps pay for repairs or replacement of your electric scooter if it is damaged in an accident, regardless of who is at fault. This coverage can be particularly valuable if you have an expensive scooter or have financed its purchase.

iii. Comprehensive coverage:

Comprehensive coverage provides protection against damage caused by events other than collisions, such as theft, vandalism, fire, or natural disasters. This coverage can help you repair or replace your scooter if it is damaged or stolen.

iv. Personal injury protection (PIP):

Personal injury protection (PIP) is a type of coverage that helps pay for medical expenses, lost wages, and other expenses resulting from an accident, regardless of who is at fault. PIP coverage is not available in all areas and may be optional in some regions.

When selecting electric scooter insurance, it is important to consider your individual needs, local laws, and the value of your scooter. Additionally, compare quotes from multiple insurance providers to find a policy that offers the best coverage at a price that fits your budget.

Insurance Requirement State by State

Do you need insurance for a scooter in Texas?

In Texas, scooters are classified as mopeds or motorcycles, depending on their engine size and top speed.

If your scooter meets the definition of a moped in Texas (has a motor of 50cc or smaller, and a top speed of 30 mph or less), it must be registered with the Texas Department of Motor Vehicles (DMV) and you must have a Class M driver’s license or a Class M with a “K” restriction (moped) to operate it.

Texas law requires all mopeds and motorcycles to carry at least the minimum liability insurance. The minimum liability coverage required in Texas is 30/60/25, which means:

      • $30,000 for bodily injury or death per person in an accident
      • $60,000 for total bodily injury or death per accident
      • $25,000 for property damage per accident

It’s essential to check with your local DMV office and obtain the appropriate insurance coverage for your scooter.

Do I need insurance for a scooter in Michigan?


In Michigan, scooters and mopeds are classified differently based on engine size and top speed. According to Michigan law, a moped is a two- or three-wheeled vehicle with an engine displacement not exceeding 100cc and a top speed of 30 mph or less on a level surface.

Mopeds in Michigan must be registered with the Secretary of State, and operators must have either a valid driver’s license or a moped license. Although Michigan is a no-fault insurance state for automobiles, mopeds do not fall under the no-fault insurance requirements. However, it is still highly recommended that you obtain insurance coverage for your scooter or moped to protect yourself financially in case of accidents, theft, or damage.

Although Michigan law may not explicitly require moped insurance, carrying at least liability coverage is a good idea to protect you from financial losses if you cause an accident resulting in property damage or bodily injury to others. You may also want to consider additional coverage options, such as collision or comprehensive insurance, depending on the value of your scooter and your personal needs.

Legal requirements for electric scooter insurance:

a. State and local regulations:

Electric scooter insurance requirements vary depending on state and local laws. Some jurisdictions may require riders to have liability coverage or other specific types of insurance. It’s important to check with your local Department of Motor Vehicles (DMV) or similar agency to understand the insurance requirements for electric scooters in your area.

b. Differences between electric scooters and traditional vehicles:

Electric scooters are often classified differently from traditional vehicles like cars and motorcycles. They may be subject to different rules and regulations due to their lower speed capabilities, size, and method of propulsion. This can affect the type and level of insurance coverage required for electric scooters.

c. Registration requirements:

In some areas, electric scooters may need to be registered with the local government or transportation agency. The registration process might require proof of insurance or other documentation. Make sure to verify registration requirements in your area and comply with any necessary steps.

How to choose the right insurance for your electric scooter:

a. Assessing your needs and risks:

Consider factors such as the value of your electric scooter, your financial situation, and the likelihood of accidents or theft. If you have a high-value scooter or live in an area with a high risk of theft, you may want to opt for more comprehensive coverage.

b. Comparing insurance providers and policies:

Shop around and obtain quotes from multiple insurance providers. Compare the coverage options, deductibles, and premiums to find a policy that meets your needs and budget. Online comparison tools and customer reviews can be helpful in evaluating different insurance companies.

c. Discounts and bundling opportunities:

Some insurance providers offer discounts for electric scooters due to their lower emissions and lower risk profile compared to traditional vehicles. Additionally, you may be able to save money by bundling your electric scooter insurance with other policies, such as home or auto insurance, if you choose the same provider.

d. Reading and understanding your policy:

Before purchasing an insurance policy, carefully review the terms and conditions to ensure you understand the coverage and any limitations or exclusions. Make sure the policy meets your needs and complies with any legal requirements in your area. If you have questions or concerns, discuss them with your insurance agent or provider.

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