Electric Scooter Insurance Explained: Do Electric Scooters Need Insurance?

Written by Luke H.

Reviewed by Sander B.

Electric scooters are becoming more and more popular each year.

As the popularity of electric scooters rises, so does the need for Electric Scooter Insurance.

But do electric scooters even need insurance? And if they do, what is the best Electric Scooter Insurance policy for you?

In this blog post, we will answer all your questions about Electric Scooter Insurance!

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How does scooter insurance work?

Whether you own a scooter or electric scooter, it is important to have Electric Scooter Insurance.

Electric Scooters are motor vehicles that travel at speeds of up to 25 miles per hour and can weigh over 100lbs.

They require many different types of insurance coverage than a standard car would need.

Electric Scooters often ride on the road and are more susceptible to accidents. Electric scooter riders are also typically more exposed to an accident because they do not have the same safety features as a car (airbags, seat belts).

Electric Scooters can also be ridden by young children or teens without drivers licenses like cars can’t.

Do you need insurance to use an electric scooter?

Electric Scooter Insurance is available from many insurance companies.

The cost of Electric Scooter Insurance will vary depending on the company you choose, your age, and the amount of coverage you need.

What does electric scooter insurance cover?

Electric scooter insurance policies vary from company to company, but typically they will cover damages to the electric scooter, any medical expenses for the rider, and third-party damages.

Some companies may also offer roadside assistance or rental reimbursement in case your electric scooter is in need of repairs.

It is important to read the terms and conditions of your Electric Scooter Insurance policy carefully to make sure you are fully covered in the event of an accident.

How much does electric scooter insurance cost?

Electric scooter insurance can be purchased online or through an insurance agent. Electric Scooter Insurance policies typically cost $100 – $200 a year.

Electric Scooters are considered low-risk vehicles, so they have affordable Electric Scooter Insurance rates compared to cars and motorcycles.

Electric scooters are more likely to get stolen than cars because they weigh less and are easier to steal. Make sure you have comprehensive Electric Scooter Insurance that will cover the cost of a stolen scooter.

What is the best electric scooter insurance?

There is no one-size-fits-all answer to this question. Electric Scooter Insurance policies vary from company to company, so it is important to shop around and find the policy that best suits your needs.

Some factors you may want to consider when choosing an Electric Scooter Insurance policy are the cost of the policy, the coverage offered, and the company’s reputation.

Does regular insurance cover electric scooters?

No, usually regular insurance policies do not cover electric scooters. Electric Scooter Insurance is a separate policy that is specifically designed for electric scooters. If you are involved in an accident while riding your electric scooter, your regular insurance will not cover the damages.

Does auto insurance cover electric scooter accidents?

Electric Scooters are subject to the same laws as cars, so it is important that Electric Scooter Insurance covers all of your needs.

Electric Scooters can be insured under a standard auto policy or through an Electric Scooter company.

Electric scooters generally have fewer safety features than cars and riders may not be able to get Electric Scooter Insurance through a standard auto company.

Electric scooters in many states require Electric Scooter Insurance and drivers license to operate them.

Electric scooters can be insured under an auto policy but they must have their own unique insurance policy separate from a car because electric scooters are not considered motor vehicles by law so they may not be covered under a standard car insurance policy.

Can you bring your electric scooter on a plane?

It is uncommon to find an airline that allows passengers to have electric scooters on board.

On the rare occasion that this happens, it may only be for tiny scooters with batteries under 160 watt-hour batteries, a criterion that most adult scooters don’t meet.

Does medical insurance cover bodily injury expenses from electric scooter accidents?

Medical insurance will generally cover bodily injury expenses from electric scooter accidents.

Electric Scooters are considered a form of transportation, so medical insurance should cover any injuries that occur while riding an electric scooter. However, as always, check with your own health provider if this is the case.

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Can home insurance cover electric scooter theft?

Yes, Electric Scooter Theft is covered under a standard home insurance policy.

Electric scooters are considered personal property so any theft of an electric scooter would be covered by the homeowner’s insurance policy.

Does umbrella insurance cover electric scooter accidents?

Yes Electric Scooter Accidents are covered under a standard umbrella insurance policy.

Electric scooters are considered motor vehicles so any accident involving an electric scooter would be covered by the


So, in summary, apart from planes, if you have a regular-sized scooter, you should be able to carry it with you everywhere – cars, buses, elevators, and even the subway – without much difficulty.