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Liability insurance requirements for two-wheeled vehicles vary by state. Although only Florida has an exception for motorcycles, a policy isn’t required in 26 states for mopeds.

If you finance or lease a moped, the lender will likely require full insurance, including liability, comprehensive, and collision.

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Although you might be unconcerned about insuring a moped from damage or theft, it might help to review certain liability coverage options for bodily injury, property damage, and carrying passengers.

What Are the Minimum Insurance Requirements for Mopeds?

The minimum insurance requirements are typically the same as for other two-wheeled vehicles.

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Some states, such as New York, separate mopeds into different classifications to determine the minimum insurance requirements. Here’s a closer look at what NY riders can expect when investing in this protection for their vehicle.

  • Insurance is required for Class A and Class B mopeds but only recommended for Class C models that achieve speeds of 20 miles per hour or less.
  • Drivers must have an M/MJ endorsement to operate a Class A moped in New York, but any license class can use a Class B or Class C model.
  • Helmets and eye protection are required for Class A and B mopeds, but not Class C.

Some states require coverage for uninsured and underinsured motorists when operating a moped on public roads. About a dozen states require personal injury protection (PIP) coverage, even for mopeds.

If you live in a no-fault state, you’ll likely need PIP insurance with other minimums necessary for liability coverage.

What Are the Moped Liability Limits I Need to Follow?

When requesting a quote for this protection, you’ll receive information about your state’s specific liability requirements. It helps to have your driver’s license and vehicle information ready during this process to ensure you receive an accurate estimate of your monthly or annual premiums.

The typical advice for motorcycle riders is to purchase as much liability coverage as your budget allows. When operating a moped, the approach is a little different. It helps to have enough protection to guard against the worst-case scenario, but the costs for repairs or medical expenses are typically lower because of the lower speeds involved.

Since a Class C moped maxes out at 20 miles per hour, the risks of severe injury or property damage are significantly reduced.

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Most states have a 25/50/25 minimum set for your liability insurance requirements. That means you must carry $25,000 for bodily injury claims, $50,000 for each accident, and $25,000 in property damage. Those figures are the maximum amounts the insurer pays if you’re responsible or have a valid claim.

Some states require a lower minimum for property damage, including California ($5,000), Hawaii ($10,000), and Delaware ($10,000).

You can also find higher minimums required for motorcycles and mopeds throughout the United States. Maine’s requirements are 50/100/25, while Texas has 30/60/25. Those figures don’t require PIP insurance, which is also needed in states like Michigan.

How Much Moped Insurance Should I Purchase?

Your moped insurance should be enough to cover and protect your assets. If you don’t have collision or comprehensive, your vehicle won’t be protected against vandalism, theft, or other storage-related damage.

When you purchase the state minimums, you might need more than your liability coverage to pay for the damages you cause in an accident. Even though you might be underinsured, you’re still liable for whatever charges exist beyond the insurance maximums.

If you’re sued, and the other party wins a judgment, you could lose personal assets or have wages garnished.

Moped insurance is typically a few hundred dollars per year for most riders. It only takes a few minutes to find out how much protection you receive, so be sure to request a free quote from your preferred provider today.

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Author

Mike Navarette has more than a decade of experience in the auto insurance industry, but that's not his true passion. He loves getting on a motorcycle to explore roads he's never traveled. You'll find Mike in the garage working on something when he isn't helping clients or leaning into curves. It's sometimes a side hustle, more often a favor, but it keeps his hands busy doing something productive. Since the first time his father strapped on his helmet and took him for a ride, Mike has loved bikes. That passion, along with a desire to help others through a deep understanding of insurance policies, led to the creation of Motorcycle Ride Coverage.

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