Is it necessary to insure my Vespa?

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Chris Harrigan
Former Insurance Claims Manager

UPDATED: Jan 9, 2018

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Key takeaways...
  • Vespas, along with any other scooter or motorcycle, provides you with much less protection in an accident versus being in a car
  • The mandatory liability insurance, along with other supplemental insurance options, is therefore essential for protection on a Vespa
  • Insurance premiums for scooters and motorcycles are much less than cars and usually less than $100/month

Motorcycle and scooter insurance laws vary from state to state. For example, in some states, any motorized vehicle with a motor/engine less than 30 cubic centimeters (cc) will not require auto insurance while other states have higher cc requirements.

Vespas are quickly becoming popular in the U.S., although they have been a standard part of transportation in Europe for decades.

Most Vespa bikes have motors well over 30cc, and although the cost of one is much lower than a private passenger car, liability insurance is still an essential part of owing a Vespa.

To find auto insurance to best fit your Vespa, just enter your ZIP code above and compare at least three to four policies today!

How much is Vespa car insurance?


One big advantage of owning a Vespa (besides the fuel advantage) is that if you are involved in an accident with a driver who has only state minimum requirements, then it is almost guaranteed their car insurance will have enough coverage to pay for damages to your vehicle.

However operating any kind of scooter or motorcycle also exposes you to potentially serious bodily injury as you have much less protection simply to the nature of driving an unenclosed vehicle.

All the key types of auto insurance should be considered when purchasing any type of scooter or motorcycle as medical expenses can quickly add up in the event of an accident.

For some people, a broken arm can surpass $100,000 in medical costs.

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Just because you have a rather inexpensive, yet stylish vehicle, don’t think the purpose of car insurance is to only replace your vehicle.

Liability, uninsured motorist coverage, comprehensive insurance, and other types of auto insurance all play a vital part in protecting you on the road.

Who offers motorcycle or scooter insurance?

Almost all car insurance companies offer motorcycle car insurance coverage, which includes coverage for standard motorcycles and scooters.

Car insurance rates for motorcycles and scooters are much less than premiums for autos and usually run well under $100 a month for many drivers.

Need a quote for a Vespa or motorcycle car insurance? Find motorcycle car insurance companies today by entering your ZIP code below!

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