LIABILITY COVERAGE
Liability coverage protects you from financial responsibility if you're at fault in an accident, covering costs for others' injuries or vehicle repair.
WHY PAY MORE?
GET AFFORDABLE SCOOTER INSURANCE RATES
Electric
Kick
Moped
Maxi
Other
HANDPICKED CARRIERS –
LOWER COSTS, HIGHER SATISFACTION
WHAT TYPES OF SCOOTERS CAN I INSURE WITH CINCO?
Electric Scooters
Affordable and eco-friendly, electric scooters are a popular choice for commuting. Ensure you're covered for accidents and liability with the right policy.
Mopeds
Ideal for short-distance travel, mopeds require proper insurance to cover accidents, theft, and liability. Protect your ride with a customized plan today.
Three-Wheel Scooters
Offering stability and comfort, three-wheel scooters require specialized insurance to cover accidents, property damage, and liability risks.
Maxi Scooters
For longer rides and more power, maxi scooters require comprehensive coverage. Get protection against accidents, theft, and injury with the right policy.
Underbone Scooters
A popular choice for city commuters, underbone scooters need reliable coverage for theft, accidents, and damage—make sure you're fully insured for peace of mind.
WHY IS CINCO THE BEST CHOICE FOR SCOOTER INSURANCE?
Competitive Rates
Industry Expertise
With or Without a License
With Good Credit, Bad Credit, or No Credit
Online/
Phone/
In-Person
Services
Multiple Convenient Locations Near You
WHAT COVERAGES CAN I GET FOR MY SCOOTER?
COLLISION COVERAGE
Collision coverage pays for your scooter's repair and replacement costs if it is ever involved in a road accident, whether you are at fault or not.
COMPREHENSIVE COVERAGE
Comprehensive coverage protects against non-collision-related damages, such as vandalism, theft, fire, natural disasters, and collisions with wildlife.
UNINSURED/UNDERINSURED MOTORIST COVERAGE
UM/UIM coverage helps cover your expenses, including repairs and medical costs, if you're hit by a driver who lacks sufficient insurance or no insurance.
MEDICAL PAYMENTS COVERAGE (MEDPAY)
MedPay helps cover medical expenses, such as medicines and tests, for you and your passengers in case you are in a scooter accident, regardless of fault.
PERSONAL INJURY PROTECTION (PIP)
It helps provide financial support for medical bills, lost wages, and other expenses related to a scooter accident, ensuring immediate financial relief.
ROADSIDE ASSISTANCE
Roadside assistance helps access services like towing, jumpstarts, and fuel delivery, ensuring you're not stranded and have support whenever needed.
CUSTOM PARTS AND EQUIPMENT COVERAGE
It is an addition to your motorcycle insurance that protects the custom features you have added to your bike, such as new paint jobs and special seats.
GAP INSURANCE
It covers the difference between your scooter's current market value and the amount owed on your loan or lease if it's totaled or stolen.
ACCESSORY COVERAGE
Accessory coverage protects custom parts and accessories on your scooter, covering unique additions and modifications not covered by regular insurance.
HOW IT WORKS
EXPLORE
Dive into our broad range of motorcycle insurance solutions for your two-wheeler to find coverage options that suit your lifestyle and requirements.
CONNECT
Contact CINCO for reasonable coverage options tailored to meet your needs. Our auto insurance team is always ready to assist our customers.
COMPARE
Select from multiple scooter insurance quotes to find the best insurance solution for your specific coverage needs.
WHAT IS SCOOTER INSURANCE?
Scooter insurance, like car insurance, is specialized coverage that offers financial protection for you and your scooter in the event of an accident or damage. It covers most repairs and replacements for your scooter, as well as medical expenditures for injuries, including hospital bills, diagnostic tests, and prescription drugs, and legal defense costs in the event of potential liabilities.
Due to their lower top speeds, scooter owners may enjoy more affordable insurance rates. You can benefit from various insurance discounts if you have a vehicle with a higher safety rating, so take advantage of these discounts. You can also opt for other discounts if you are looking to reduce your rates, such as discounts for completing a good driving or safety course. These can help reduce your costs by a substantial margin.
FACTORS THAT IMPACT SCOOTER INSURANCE RATES
While scooter insurance is not typically expensive, the costs may vary depending on certain variables. Insurance rates for a scooter may not be the same for two policyholders, as insurance providers consider a wide range of factors before determining one’s insurance rate. For example, younger and inexperienced drivers may face much higher premiums when compared to a driver in their 30s who has been driving for decades. Here are some other crucial factors that insurers may consider when setting your rates.
Driving History
Age and Gender
Location
Vehicle Type and Model
Credit Score
Coverage Level
Deductible Amount
Claims History
Annual Mileage
Insurance Provider
Marital Status
Type of Driving
Discounts and Bundles
Safety Features in the Vehicle
State Laws and Regulations
WHO IS REQUIRED TO HAVE SCOOTER INSURANCE?
Scooter insurance offers valuable protection for scooter riders, covering unforeseen damages and losses. In recent years, scooters have become a popular mode of transport in cities, offering convenience and affordability simultaneously. While they are fairly safe to use and may cause minor damage to others in an accident, you are still at risk of being hit by another big vehicle or car. While every scooter owner requires motorcycle insurance, here are the individuals who precisely need it:
Scooter owners to comply with legal requirements.
High-risk riders for liability protection.
Owners of custom or high-value scooters.
Delivery or courier service riders.
Electric scooter owners for theft or damage protection.
Riders financing or leasing their scooters.
Individuals seeking coverage for accident-related expenses.
Riders in states with mandatory scooter insurance.
Seasonal riders needing flexible coverage options.
Riders participating in scooter events or competitions.
WHY DO I NEED INSURANCE FOR MY SCOOTER?
WHAT DISCOUNTS CAN I GET ON SCOOTER INSURANCE?
Scooter insurance can sometimes be costly, especially if you stick to a particular budget. Luckily, almost all insurance providers offer a range of discounts to their customers, whether for good drivers or multi-policy holders, helping to make their insurance premiums more affordable. With a clean driving record, you can get a good driver discount, safety systems on your scooter, and a safety features discount. Here are some of the most common discounts you can look for when purchasing insurance for a scooter.
Safe Driver Discount
Good Student Discount
Multi-Policy Discount
Multi-Vehicle Discount
Low Mileage Discount
Defensive Driving Course Discount
Anti-Theft Device Discount
Pay-in-Full Discount
Paperless Billing Discount
Automatic Payment Discount
Accident-Free Discount
Affinity or Membership Discount
New Vehicle Discount
Military Discount
Homeowner Discount
Loyalty Discount
Green Vehicle Discount
Usage-Based Insurance Discount
Senior or Mature Driver Discount
Occupation-Based Discount
HOW MUCH DOES SCOOTER INSURANCE COST?
Scooters or mopeds are relatively safe vehicles with a low probability of causing major damage in the event of an accident. However, there is still a need for proper coverage. According to Forbes, in 2023, scooter insurance could cost as little as $4 to $6 monthly. Progressive charges as low as $75 for its basic liability insurance, significantly lower than the average motorcycle insurance rate.
However, it is essential to note that insurance premiums can vary for two policyholders, as everyone has different coverage requirements and preferences. You can always rely on a trusted and reputable broker to assist you in finding an insurance plan. They also help lower your premiums by looking for relevant discounts depending on your profile.
WHAT ARE THE ESSENTIAL REQUIREMENTS FOR AN ACCURATE SCOOTER INSURANCE QUOTE?
Every insurance provider considers a wide range of factors before determining your premium rate. This is why your actual insurance rate may vary significantly from the average, depending on your specific circumstances. Always ensure that you share complete and accurate information when submitting details about yourself and your scooter, as this may delay the claims process if not provided correctly. To help determine your risk levels and examine those factors, your insurer may require the following:
GET A FREE SCOOTER INSURANCE QUOTE
Searching for affordable scooter insurance? CINCO Auto Insurance makes it easy to protect your scooter with the right coverage plan that fits both your needs and budget. We simplify policy comparisons so you can ride with peace of mind.
Once you submit your details, our friendly agents will contact you with personalized scooter insurance quotes in just a few hours. Get an instant, affordable scooter insurance quote online today—quick, easy, and hassle-free. Apply now and secure the coverage you deserve.
Electric
Kick
Moped
Maxi
Other
AMERICA’S FAST GROWING INSURANCE
With over 7,000+ 5 star Google reviews and counting!
Vanessa Echeverry
I love Karina’s customer service. She is amazing—super friendly and super quick at getting you your insurance and on your way! She makes the entire process easy and is very helpful. Thank you, Karina!
Google Review
Walter P
I referred a few people here because of the exceptional job my rep provided. I call her my rep because she’s the only one I’ll go to from now on, and she’s the one I’ll refer my family to. I appreciate Paula for going above and beyond with me and the referrals I provided. All of this is due to the focus she placed on my situation. I will continue referring people to Paula for insurance solutions. Thank you again!
Google Review
Joyce Evans
Thank you, Javier, for the professional customer service. I am a senior citizen and don’t always get things right the first time. Thank you for your patience. I’m glad to have CINCO Insurance close to me in Garland on Northwest Highway.
Google Review
Doris Edmond
I spoke with Veronica, an agent with CINCO. She was the BEST! I was so stressed because I had been looking for coverage. Veronica took away all my stress. She worked with me tirelessly until she found auto coverage I could afford. I highly recommend her. She's professional, kind, courteous, and—most of all—patient. The definition of good customer service is VERONICA—my agent for life!
Google Review
Alva Ayuso
Valeria was very patient and courteous with us, answered all our questions, and helped us with all the paperwork! We will definitely recommend CINCO Auto Insurance to all our friends. Very satisfied!
Google Review
Rosalinda Alvarez
THANK YOU SO MUCH, AIME!! She offers outstanding customer service, going above and beyond to ensure a smooth and satisfying experience. Her professionalism, responsiveness, and attention to detail make every interaction pleasant and efficient. I highly recommend Aime 100% for her dedication to excellence and commitment to customer satisfaction! My family and I have found a great insurance company—all thanks to Aime.
Google Review
Alexus Monique
I’m currently looking for car insurance, and I’m so glad I decided to try this place out. The insurance agent Paula was very knowledgeable and sweet. She answered all my questions and made sure I didn’t leave with any doubts! I’m highly satisfied with my experience here and will be recommending this place. 😊
Google Review
Zouquayla Butler
I recently joined CINCO, and getting started was easy breezy. Javier is a 10/10—highly recommend! Great customer service, like we were old friends catching up while taking care of business. Thanks again, Javier. Awesome!
Google Review
Jose Santos
The service is excellent, and they help you with everything. You just have to be available, and they’ll do the work for you. I loved the work my agent Yolanda did. I recommend her—just ask for her!
Google Review
Rebecca Esquivel
Javier was awesome to talk to. He explained everything in detail and even repeated himself multiple times. Very, very patient with me—quick and ready to go! I was struggling to get a good quote, but he got me in and out. Thank you, Javier. 10/10 recommend!
Google Review
CONTACT US
Founded in 1981, CINCO Auto Insurance is a licensed agency proudly serving Texas and Georgia residents with reliable insurance coverage.
Contact Us
Find Car Insurance By Make
Toyota
Ford
Chevrolet
Honda
Nissan
Jeep
Hyundai
Kia
Ram
Subaru
GMC
Volkswagen
Copyright © 2026 CINCO Auto Insurance All Rights Reserved.