Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Jun 4, 2019

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Most people can get an insurance policy for a Vespa or scooter for $100-$200 a year. This type of insurance works just like car insurance so age, experience, and driving record will be a factor in your price.

Auto insurance companies look at these policies similar to motorcycle insurance policies and often have the same liability limits.

If you plan to get a Vespa because you have a bad driving record and cannot afford car insurance, you may be disappointed. Just one DUI and the yearly premiums can jump up to $1500 or more.

Although driving a Vespa doesn’t come with a high placement cost there is still a high risk of bodily injury as with any open vehicle so it’s important to have adequate coverage for medical payments.

You and your passengers are not as protected as you would be in a car and are more likely to be injured if there is an accident.

If you live in a no-fault state, your insurance will be responsible and not having enough coverage could cost you personally.

Use our FREE quote tool to compare insurance rates today!

Do I need insurance for a Vespa?

Auto insurance requirements will vary from state to state. However, for most states if your moped or scooter has an engine over 30cc you will need liability insurance. Vespa does not offer a model in United States with an engine smaller than 50 cc.

Even if your state does not require insurance, you may still want to consider it. $200 a year is a small price to pay for peace of mind. If you are in accident and do not have insurance you could end up paying much, much more for damages caused.

If you are deemed at-fault for an accident, you will be liable for damages to other people’s vehicles and city property and if there are injuries as result of the accident, you will be responsible for them as well.

You can also get coverage for theft. Scooters are easy targets for thieves because they are lightweight and usually do not need a key. Without proper insurance, you will have no way recuperate your money lost.

Before you begin shopping for insurance, take time to decide what level of coverage is best for you.

Do you need full coverage or just liability? What kind of deductible can you afford? Are there extra services you may want?

Liability insurance will cover damages and injuries to other parties if you are involved in an at-fault accident. Full coverage will cover both you and the other parties. If you are making payments on your Vespa, the lien holder may require you carry full coverage.

A deductible is the amount you will have to pay before the insurance will kick in on a claim. Higher deductibles give you a lower premium, but lower deductibles will be easier to afford if there is an accident.

You should get estimates for all levels because sometimes the difference may only be $10-20 a year.

Always check and see if the company offers extra services. They may offer roadside assistance or towing. These services may cost just a few extra dollars a year and could come in handy if you breakdown.

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What are the benefits of owning a Vespa?

In addition to lower-priced insurance, Vespas may have some other benefits. Although popular in Europe for decades they are now also becoming very popular in the United States.

Price is one thing that attracts people as new models typically range in price from $3500 to $7000, which is considerably less than a new car.

Rising gas prices also have people looking for more economical transportation for daily commutes or running errands. The average hybrid only gets 50 miles per gallon, electric cars can get 90 but require electricity but a Vespa can get 65-90 miles per gallon.

Vespas are approved by the Department of Transportation and the EPA to be street legal. This means that they can be registered in all 50 states and driven on the road.

You should remember that not all models can maintain higher speed limits on some roads and you should use caution.

Where can I find Vespa insurance?

Almost all major companies offer scooter insurance for Vespa owners.

Some online websites will even give you a quote instantly or provide a dedicated section for information on Vespa insurance but many times, you will use their motorcycle link. Then when you get to make and model, they will have a scooter option.

You should always shop around when choosing insurance for your Vespa. Although the cost of insuring a Vespa is generally not that high you still need to pay attention to the details of the policy and quality of the provider.

Get started by entering your zip code above to compare insurance quotes online.