How Much Does Engine Size Impact Moped and Scooter Insurance Costs?

Engine size is one component of many to consider when developing an insurance quote. Although it plays a significant role because of the speed a more powerful motor can produce, other elements like your driving record and history of riding motorcycles can influence how much you’ll pay for protection.

Mopeds are typically in a 50cc or less category, but some might have a higher engine displacement rating. Scooters typically range from 125cc to 250cc, but state definitions might be less or more.

What Factors to Consider When Requesting a Quote?

Generally, larger engine sizes can lead to higher insurance costs due to the increased risk of accidents and higher repair costs.

Mopeds and scooters with smaller engine sizes are usually classified as low-powered vehicles and are typically less expensive to insure. Those with larger displacement ratings are considered high-power vehicles, which makes them more costly to protect each month because they have more speed and power.

Since every insurance company treats mopeds and scooters a little differently, it is essential to shop around and compare quotes. That effort lets you find the best coverage and price while meeting your riding and budgetary needs.

How Much Is It to Insure a Moped or Scooter with a 50cc Engine?

Several factors play a role in the eventual quote you’ll receive for a moped or scooter with a 50cc engine. Since this classification is one of the lowest available, the rates are still cheaper in this category for virtually everyone, but individual costs vary.

In the United States, the average insurance cost for a 50cc scooter or moped is around $100 to $300 per year, depending on the state, the driver’s age and driving history, and the level of coverage chosen.

It is cheaper to have a liability-only insurance policy on a 50cc moped or scooter than to carry full coverage.

How Much Is It to Insure a Moped or Scooter with a 125cc Engine?

With additional power and speed, a 125cc moped or scooter is more expensive to insure than a 50cc model but less than a 250cc design for most riders.

The average insurance cost in this engine displacement category is between $200 to $500 per year. Some insurers offer discounts for safe driving or completing a certified safety course, which helps to reduce monthly or annual premiums by 10% to 30%.

How Much Is It to Insure a Moped or Scooter with a 250cc Engine?

The make and model of a 250cc moped or scooter plays a significant role in the insurance quote you receive. With this engine size, you have a road-legal vehicle that achieves a top speed rating to qualify it for highway use. Since more risks are involved to the equipment and rider, additional coverage costs apply.

The quote range in the US for 250cc models is between $300 to $800 per year, with those wanting full coverage (liability, comprehensive, and collision) at the upper end of the scale.

Some states have specific insurance requirements for mopeds and scooters, so please check with your local DMV to determine what is necessary for your jurisdiction.