Determining whether or not moped or electric-scooter insurance will be expensive for you, is determinant upon a handful of different factors. Before getting into the moped or scooter type, brand, power, etc., it’s first worth considering your own DMV history, age, and location—understandably, insurance for any vehicle in a city will typically be substantially higher than outside of a city, due to prospective theft, vandalism, and so forth. Do you have any points on your driving-history, car or bike?
What about safe-driving courses, good grades, a clean background, competitive scores, a business or employer discount, military, or other? These are all variables worth considering when determining whether or not moped insurance will be expensive for you.
It is, understandably, likewise necessary to consider the power (cc) of your scooter or moped, the year (value $), the color (some are more expensive than others), and your proposed monthly or annual usage (miles) of your moped—perhaps seasonal only, due to unruly weather climates that make it otherwise impossible to operate your moped during certain months or seasons.
Piaggio and Vespa (and even Kymco’s) are some of the top brands to look at and consider, as their warranties are not only high value, but likewise the insurance is also quite reasonable and desirable in comparison to other—Chinese and Japanese—brands.