how much is scooter insurance
Electric scooters have become an integral part of urban transportation, offering an affordable and environmentally friendly alternative to cars. As their popularity grows, understanding scooter insurance costs has become increasingly important for riders. Recent data from the National Insurance Association shows that annual premiums for scooter insurance typically range from $80 to $650, with most riders paying between $220 and $350 per year. These figures reflect a slight increase from previous years, primarily due to higher claim rates and the growing adoption of premium scooter models. Several key factors determine scooter insurance rates, making it essential for riders to evaluate their specific needs. The scooter’s value plays a significant role—insurance for models priced above $2,500 can cost twice as much as coverage for basic models. Location also heavily influences premiums, with riders in major cities like New York, Los Angeles, and Chicago paying up to 45% more due to higher risks of theft and accidents. Younger riders, especially those under 25, often face 20-30% surcharges, while maintaining a clean driving record can help secure lower rates. Finally, the type of coverage selected—whether basic liability or comprehensive protection—can cause premiums to vary by 200-300%. Regulatory changes are also shaping the scooter insurance market. As of 2025, 21 states now require liability coverage for electric scooters, up from 17 in 2024. Major insurers like Progressive, Geico, State Farm, and Allstate have responded by introducing specialized policies with features like equipment damage deductibles, pay-per-mile pricing, and theft recovery benefits, giving riders more options than ever before. Understanding Different Types of Scooter Insurance Liability insurance remains the most basic and legally required coverage in many states. These policies typically include bodily injury and property damage protection, with minimum limits varying by location. For example, California mandates $15,000 per person for bodily injury and $5,000…
