How Much Does an Electric Scooter Cost?
Electric scooters vary widely in price depending on their motor power, battery capacity, range, and build quality.
- Budget scooters: Around $300–$600 — ideal for short city rides or beginners.
- Mid-range models: Between $700–$1,200, offering more range and power.
- Premium scooters: Up to $2,000+, with higher speeds, better suspension, and longer battery life.
While the upfront purchase cost is clear, many new owners forget to account for additional expenses like maintenance, accessories, electricity for charging, and — most importantly — insurance.
Do You Need Insurance for an Electric Scooter?
The answer depends on where you live.
In some regions, electric scooters are classified as motor vehicles, which means insurance is mandatory — just like a car or motorcycle. In others, they’re considered personal mobility devices, and coverage is optional.
For example:
- In parts of Europe such as Spain, new laws are expected to make liability insurance mandatory for e-scooters.
- In California, insurance for privately owned e-scooters isn’t required by law, but riders are still responsible for any damage or injury they cause.
Even when it’s not legally required, insurance is a smart idea. It protects you against theft, accidents, or liability costs if you accidentally injure someone or damage property.
How Much Does Electric Scooter Insurance Cost?
Insurance prices vary depending on your scooter’s value, location, and how often you ride. On average:
- Basic liability coverage: Around $75–$150 per year
- Comprehensive coverage (including theft and damage): $150–$300+ per year
- High-end scooters in urban areas: Sometimes $30–$40 per month
Some insurers treat e-scooters like mopeds, while others group them with bicycles or micromobility devices, so the pricing structure isn’t uniform.
Here’s a simple breakdown of what affects your premium:
| Factor | Impact |
|---|---|
| Scooter value | More expensive scooters cost more to insure |
| Top speed and motor power | Higher speeds increase accident risk |
| Location | Urban areas have higher theft and accident rates |
| Rider profile | Age, experience, and claims history matter |
| Coverage level | Full coverage costs more than basic liability |
What Does Scooter Insurance Cover?
Policies can be customized, but most plans include or offer the following:
- Liability coverage – Pays for injuries or property damage you cause to others.
- Collision coverage – Repairs or replaces your scooter if you crash.
- Comprehensive coverage – Protects against theft, vandalism, or weather damage.
- Medical payments – Covers your medical bills after an accident.
- Uninsured motorist coverage – Helps if you’re hit by someone without insurance.
Even a basic policy can save you thousands in case of an accident or theft — which are surprisingly common in busy cities.
Example: Realistic Cost Scenarios
Let’s look at a few examples:
- Commuter Scooter (~$600) — A basic insurance plan might cost $80–$120 per year.
- Performance Scooter (~$1,800) — With theft and damage protection, expect $200–$300 per year.
- Urban Rider in a High-Risk Area — Full coverage could reach $30 per month, especially if you ride daily.
These numbers can vary by insurer and state, but they’re a good reference for what to budget.
How to Save on Scooter Insurance
If you want to keep premiums low, here are a few practical tips:
- Use anti-theft devices – Locks and GPS trackers can earn you discounts.
- Opt for a higher deductible – You’ll pay less monthly, though more in a claim.
- Bundle insurance policies – Add your scooter to your home or auto policy.
- Complete a safety course – Some insurers reward trained riders.
- Compare multiple quotes – Rates differ more than you might think.
Taking a few precautions can easily shave 20–30% off your premium.
The Bottom Line
Buying an electric scooter is more than just choosing a stylish ride — it’s about planning for safety and long-term value.
With most scooters priced between $300 and $2,000, adding $100–$250 per year for insurance is a small price for peace of mind. Even if your region doesn’t require it, having insurance ensures you’re protected from theft, damage, or liability costs that could otherwise wipe out your savings.
Before you hit the road, compare policies, understand your local rules, and find coverage that matches your scooter and lifestyle. The right insurance plan can make your ride both fun and worry-free.