Insurance for Your Scooter Electric : What You Need to Know

There are only 2 states that need you to buy insurance for your scooter electric, Illinois and Texas. However, some riders still wonder if they need to buy extra insurance since they ride their scooters frequently.

While scooter electrics are fun and easy to use, there’s no doubt that they’re dangerous if you’re not careful.

Unfortunately, e-scooter accidents are becoming increasingly common in many cities where the vehicles have become popular recently, like San Francisco and Dallas, because e-scooters don’t have to follow the same rules as bicycles in these cities (e-scooters have been banned outright in some places). To avoid falling victim to an e-scooter accident, it might be wise to consider purchasing insurance.


Do You Need To Buy Insurance For Your Scooter Electric?

If you're thinking about getting a scooter electric, you might be wondering if you need insurance. The answer is maybe.

Whether or not you need insurance for your scooter electric depends on a few factors. If you plan to ride your e-scooter just around the neighborhood, then it's unlikely that you'll need coverage.

However, if you plan to take it out of town and use it for transportation or entertainment purposes, then chances are that the manufacturer's warranty won't cover accidents outside of the U.S., so this would make insurance necessary.

Besides, you cannot make sure your scooter is always kept safe even if you have locked it carefully in the bike rack. It is still at risk of being stolen.

So it would be better if you have purchased insurance for your scooter, so then you can easily recoup your money and get a new one.


What Insurance To Purchase For Your Scooter Electric?

The insurance for scooter electric is optional for every rider in the USA.

The National Highway Traffic Safety Administration (NHTSA) doesn’t classify scooters without seats as federally regulated motor vehicles. Therefore, all states and cities have the right to establish laws for electric scooter insurance.

Up to now, there are only 2 states that require insurance for scooter electric, - Illinois and Texas. (Only scooter over 750W needs to get insurance in Texas)

There are many different types of insurance to choose from for scooter riders, such as Health insurance, Personal injury protection (PIP) insurance, Bodily injury liability insurance, etc.

Every rider has different insurance needs. You can choose suitable insurance for yourself by calling the insurance company.


Is Scooter Electric Covered In Auto Insurance?

You may think that the electric scooter is covered by auto insurance since you have purchased it for your car. But the truth is, No.

Auto insurance only covers vehicles with 4 wheels.


How To Ride Your Scooter Electric Safely To Avoid Accidents?

Scooter electrics are a popular, green, and fun way to get around town. But did you know that they can also be dangerous?

According to a recent study, scooter electric riders are twice as likely as cyclists to be injured in a traffic accident.

And while most of these accidents are minor, some can be serious—even fatal. The problem is that many drivers don’t recognize e-scooters as a legitimate mode of transportation. Drivers may not look out for them or even see them coming down the street.


Fortunately, there are tips you can take to protect yourself from accidents.

  • Check your scooter every time before riding out, even for a short distance. Such as the throttle, brake, and tires are in normal status.


  • Make sure you wear safety gear at all times when riding an e-scooter (helmets should be worn at all times).


  • Avoid congested areas with lots of cars like busy intersections where cars might not expect an e-scooter rider.


  • Avoiding fast streets with heavy traffic will help reduce the risk of accidents, too! If you still have to ride over a busy road, keeping your seed slow can be a nice choice.


  • Pay close attention to the riding surroundings at all times.


  • Wear some reflective clothes while riding at night. It can also let you be seen and cut down the risk of accidents.



If you're one of the many people who have made the switch to riding a scooter electric for adults, you might be wondering if you need insurance. The short answer is that it depends.

Here are some questions that may help you to decide on whether you need insurance or not:

-What happens if your e-scooter gets stolen?

-Do you have personal injury protection while riding?

-Who's going to pay for damages in case of an accident?