You Need to Know These Laws Before Buying a Moped
Mopeds are different from scooters and motorcycles and are the smallest of the three. Mopeds have a step-through frame (with or without pedals) and a motor that is 50cc or smaller. These can go up to 40 mph and have great gas mileage (up to triple-digits).
Scooters also have a step-through frame but have a bigger motor (50cc to 250cc). Scooters with the biggest motors could go 75 mph but still may not be allowed on the highway. Motorcycles have an engine in the front between the driver’s knees and are usually allowed on all roads.
Some states have a different minimum age to drive a moped than to drive a car. For mopeds up to 50cc, it’s age 10 in Arkansas and age 13 in New Mexico. All other states are between ages 14 and 16. For scooters and motorcycles over 50cc, the minimum age is 14 in Alabama, Alaska and Kansas; 15 in Florida, Hawaii, Louisiana, and Mississippi; and 16, 17, or 18 in the remaining states. Some states require a motorcycle rider education program for riders under a given age.
Although motorcycles need a title (your proof of ownership) and registration in every state, mopeds only need a title and registration in some states. About 35 states plus Washington, DC, require registration for mopeds. Engine size may also determine whether you’ll need to get a license plate and registration.
Helmet regulations vary from state to state as well. Helmets with an approved design are required for riders and passengers in about 20 states, some of which only require them for younger riders.
Delaware requires riders to have helmets with them, but only riders under 19 are required to actually wear them. In Rhode Island, only passengers are required to wear helmets. Three states don’t have helmet laws (Colorado, Illinois, and Iowa). In some states, you also have to wear goggles if there isn’t a windshield on the moped.
Only 25 states in the U.S. require insurance for mopeds (although all states require insurance for motorcycles). The cost of the insurance depends on your age, the type of your vehicle, and how long you’ve had a license. Some states do give discounts if you’ve taken the state motorcycle training classes.