Moped vs. Scooter—What’s the Difference and Do You Need Insurance?

If you're in the market for a fun, fuel-efficient way to get around town, you’ve probably come across mopeds and scooters. They’re compact, easy to park, and a great alternative for short commutes or quick errands. But what exactly sets them apart? Before you choose your ride—or insure it—it helps to understand the key differences.

Moped vs Scooter: Key Differences Explained

What Is a Moped?

The term “moped” comes from a combination of “motor” and “pedal.” Early models had bicycle-style pedals to help with propulsion, and while most modern mopeds no longer include pedals, the name stuck. Today, mopeds are generally defined by their smaller engine size—usually 50cc or less—and limited top speed, often around 28 to 30 mph.

Mopeds usually have a step-through frame and are ideal for short trips around town. Because of their lower speed and engine power, mopeds may fall into different licensing and insurance categories depending on your state. They’re a popular choice for new riders or anyone looking for a simple, fuel-efficient way to get from point A to point B.

What Is a Scooter?

Scooters are often confused with mopeds, but they offer more power and performance. Most scooters have engines between 50cc and 250cc or more, with top speeds ranging from 60 to 75 mph. They’re built for everyday use, with a step-through frame, automatic transmission, and convenient storage space under the seat.

While scooters are still compact and easy to handle, they’re better suited for longer rides and higher-speed roads, though access to highways depends on engine size and local laws. If you’re looking for something with more capability than a moped but still smaller than a motorcycle, a scooter could be the right fit.

Licensing & Registration Requirements by State for Mopeds & Scooters

Rules for mopeds and scooters vary by state, but in most cases, you’ll need a valid driver’s license to ride either one. A common rule of thumb is that once the engine size hits 50cc or higher, many states classify the vehicle as a motorcycle, which usually means a motorcycle license, registration, and insurance are required.

Some states also require plates and registration for mopeds, depending on the engine size and top speed. It’s always a good idea to check with your local DMV or transportation agency to understand the exact requirements in your area.

Do Mopeds and Scooters Need Insurance?

Insurance requirements for mopeds and scooters depend on your state and the specs of your ride. Even if it's not mandatory, insurance can help protect you from unexpected costs after a covered incident like theft or collision.

When Insurance Is Legally Required

In many states, insurance becomes mandatory once your moped or scooter has an engine size of 50cc or more. At that point, it's often treated like a motorcycle, which means you’ll need at least liability coverage to ride legally.

If you're financing or leasing your scooter, your lender will likely require you to have collision and comprehensive coverage. Insurance rules vary by state, so it’s important to check with your local DMV to understand exactly what’s required where you live.

Types of Coverage Available

GEICO offers a range of coverages designed to protect you, your ride, and your gear:

• Bodily Injury & Property Damage Liability – Helps pay for injuries or property damage you cause to others in an accident
• Collision Coverage – Covers damage to your scooter or moped if you hit another vehicle or object
• Comprehensive Coverage – Protects against non-collision incidents like theft, vandalism, or weather damage
• Medical Payments – Helps cover medical expenses for you or your passengers after an accident
• Uninsured/Underinsured Motorist – Offers protection if you're hit by someone with little or no insurance
• Custom parts and equipment coverage: Protects upgrades like custom seats, paint, and chrome parts. You must have comprehensive or collision coverage to qualify for this. GEICO offers $2k in custom parts and equipment coverage for qualifying vehicles
• Stored Gear Coverage – Covers personal items or accessories kept with your scooter or moped
• Transport Trailer Coverage – Helps cover damage to a trailer used to haul your ride
• Emergency Road Service with Trip Interruption – Offers towing, roadside help, and even lodging reimbursement if you're stranded away from home
• Safety Riding Apparel Coverage – Pays to repair or replace damaged helmets, jackets, gloves, and other safety gear. GEICO offers $1k in safety riding apparel coverage for qualifying vehicles.
• Total Loss Replacement – Replaces your moped or scooter with a new one if it’s totaled early in its life

GEICO offers tailored insurance policies for mopeds and scooters so you can find coverage that fits your ride and your budget. Discounts stack subject to minimum premium amounts that vary by product and by state.

How Much Is Moped or Scooter Insurance?

Moped and scooter insurance is generally more affordable than motorcycle insurance, but rates can still vary based on a few key factors. Your location, driving history, and the type of vehicle you ride all play a role in determining your premium.

You may also qualify for discounts by bundling your policy with other GEICO coverage, completing a safety course, or maintaining a clean driving record. For the best rate, it’s smart to get a personalized quote that reflects your specific situation.

Safety & Legal Tips for Moped and Scooter Riders

Riding a moped or scooter can be a fun and efficient way to get around, but it’s important to follow the rules of the road and take steps to stay safe. Laws vary by state, so knowing what’s required—and what’s recommended—can help you ride with confidence.

• Helmet Laws – Helmet requirements differ by state, but wearing one is always a smart way to protect yourself
• Where You Can Ride – Most states don’t allow mopeds or scooters on sidewalks, and highway access may depend on engine size
• Passenger Rules – Only carry a passenger if your vehicle is designed for two and it’s legal in your state
• Rider Visibility – Wear reflective or brightly colored clothing and consider adding lights or reflectors to your scooter
• Protective Gear – In addition to helmets, gloves, jackets, and closed-toe shoes can help prevent injuries in case of a fall or crash

Choosing Between a Moped and a Scooter

Not sure which ride is right for you? The best choice depends on your lifestyle and what you need from your vehicle. Mopeds are great for short trips and lower speeds, while scooters offer more power for longer commutes. Before you decide, consider a few key factors:

• Speed & Commute Distance – Need something for quick trips around town? A moped might do the trick. Longer or faster rides may call for a scooter.
• License Requirements – Scooters with larger engines may require a motorcycle license, while mopeds often don’t—check your state’s laws.
• Emissions & Environment – Both options are more fuel-efficient than cars, but smaller engines tend to be cleaner and greener.
• Storage & Design – Scooters usually offer more storage space and a sturdier build, which can come in handy for errands or daily commuting.
• Cost of Ownership – Mopeds often cost less upfront and may be cheaper to insure, but scooters offer more features and flexibility.

Get Insured and Hit the Road With GEICO

No matter which ride you choose, moped and scooter insurance is an important part of staying protected. From covering accidents and injuries to safeguarding your gear, the right policy can make all the difference. Get a free moped or scooter insurance quote from GEICO or contact us today to make sure your next ride is covered.