Moped Insurance Made Simple

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Do I Need Moped Insurance?

If you ride a moped, there’s a good chance you need insurance—and not just for peace of mind. Many states require coverage for mopeds, especially if your model is 50cc or higher.

Even in areas where it's not mandatory, having insurance can protect you from unexpected expenses like theft, damage, or injuries. Whether you ride to class, commute to work, or just cruise on weekends, moped insurance helps keep you and your finances covered.

What Does Moped Insurance Cover?

GEICO’s moped insurance includes a range of coverage options designed to safeguard you, your ride, and your gear.

Bodily Injury and Property Damage Liability

This coverage helps pay for medical expenses or property repairs if you’re responsible for an accident that injures someone else or damages their property. It also helps with legal costs if you're sued after a covered incident.

Comprehensive Coverage

If your moped is stolen, vandalized, or damaged by events like fire, flood, or a falling tree branch, comprehensive coverage can help pay to repair or replace it. It’s especially valuable if you store your moped outside or ride in unpredictable weather conditions.

Collision Coverage

Collision coverage helps pay for repairs to your moped if you hit another vehicle, a stationary object, or even if you tip over. It kicks in regardless of who’s at fault and can help you get back on the road quickly.

Uninsured/Underinsured Motorist Coverage

If you're in an accident with a driver who doesn’t have insurance or is underinsured, this coverage can help pay for your medical bills and property damage. It’s an added layer of protection in case someone else can’t cover the costs.

Stored Gear

This covers personal items or accessories you carry with your moped, such as cargo nets, locks, or small tool kits. If these items are stolen or damaged in a covered event, you can get help replacing them.

Safety Riding Apparel

GEICO’s policy can help cover the cost of approved safety gear, including your helmet, gloves, boots, and protective clothing. If your gear is damaged in a crash, you won’t have to pay out of pocket to replace it.

Emergency Roadside Service with Trip Interruption

If your moped breaks down, this coverage provides towing, flat tire service, and other roadside assistance. It also includes trip interruption benefits, which can help cover lodging or meals if you're stranded far from home.

Custom Parts and Equipment

This covers aftermarket upgrades like custom seats, exhaust systems, lighting, or mirrors that weren’t part of the original factory build. It helps protect the value of personal customizations if they're damaged or stolen.

Total Loss Replacement

If your moped is totaled during a covered event, we’ll give you the current MSRP value of your exact make and model so you can replace it. Total loss replacement is only available for vehicles that are 2 model years old or newer.

Transport Trailer Coverage

This offers comprehensive or collision coverage for the trailer you use to tow your insured moped. It kicks in whether your moped is on the trailer or not.

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How Much is Moped Insurance?

Moped insurance is typically affordable, but your exact rate depends on where you live, the type of moped you ride, and how much coverage you choose. Additional options like comprehensive or custom parts coverage can also impact your premium. The best way to determine how much your moped insurance will cost is to get a free quote from GEICO.

Moped Insurance Discounts

GEICO offers various discounts* to help moped drivers get the coverage they need without breaking the bank, including:

  • Deductible Reduction Plan: Earn a $100 credit toward your deductible for every loss-free policy period.
  • Multi-policy Discount: Bundle your moped policy with your homeowners or renters policy and save on moped insurance.
  • Claims Forgiveness: Customers may be eligible to have surcharges waived on certain first-time losses.

*Discounts stack subject to minimum premium amounts that vary by product and by state.

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What Vehicles Are Covered by Moped Insurance?

GEICO’s moped insurance covers a wide range of two- and three-wheeled rides so that you can hit the road with confidence. You can get coverage for:

  • Mopeds and scooters from top brands like Honda, Vespa, Yamaha, and Suzuki
  • Electric mopeds, 50cc and higher models, and even vintage or classic bikes
  • Some related vehicles like e-bikes, ATVs, and golf carts, depending on your state’s requirements

If you’re not sure your ride qualifies, get a free quote or speak with a GEICO insurance specialist to explore your options.

Why Choose GEICO for Your Moped Insurance

When you insure your moped with GEICO, you get more than just basic protection—you get added value at every turn. From customizable coverage to top-rated customer service, we make it easy to stay protected and save money.

  • 24/7 claim support and claims service, so help is always just a call or click away
  • Easy online tools to manage your policy, get ID cards, and file claims anytime
  • Flexible coverage options to fit your ride and your budget
  • Available discounts for things like bundling, safe driving habits, and more

How to Get Coverage for Your Moped

Getting moped insurance with GEICO is quick and hassle-free. In just a few steps, you can be on the road with the protection you need.

  1. Request a free quote online or by phone
  2. Choose the coverage that fits your ride
  3. Start riding with protection the same day

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Moped Insurance FAQ

  • Do I need insurance if my moped is under 50cc?

    It depends on your state’s requirements. Some states require insurance for all mopeds, regardless of engine size, while others only mandate coverage for models over 50cc. It’s best to check your local laws to be sure.

  • How do moped insurance claims work?

    If you’re in an accident or your moped is damaged or stolen, you can file a claim online, through the GEICO Mobile app, or by calling us directly. A claims representative will guide you through the process and help you get back on the road quickly.

  • Does GEICO offer roadside service for mopeds?

    Yes, GEICO offers Emergency Roadside Service for mopeds. It includes towing, flat tire assistance, battery jumps, and more, depending on your plan. It’s an easy way to get help when you’re stuck on the side of the road.

  • Is custom equipment covered under GEICO Moped Insurance?

    GEICO can cover aftermarket parts and custom equipment added to your moped, like upgraded seats, mirrors, or lights, if you choose custom parts coverage. Coverage limits may apply based on your plan.

  • What is GEICO’s Total Loss Replacement for mopeds?

    Total loss replacement helps cover the cost of replacing your moped if it’s totaled in a covered claim. Instead of being paid the depreciated value, you may receive enough to replace your ride with a similar new one.