State traffic laws and insurance requirements differ for scooters, mopeds, and motorcycles, though we define Oregon’s requirements below. Likewise, insurance companies use different methods to define and price insurance for two- and three-wheeled vehicles. If you live in or near Canby, OR, and have motor vehicle or other insurance questions, contact the Oliver Insurance team for assistance.
Motorcycles, Mopeds, and Scooters
State laws vary in how they handle scooters, mopeds, and motorcycles, including whether:
- They can use public roads
- Distinguish the vehicle types legally
- They separate vehicle types on top speed, engine size, or engine location
Oregon defines motorcycles and mopeds as vehicles with three or fewer wheels contacting the ground and a seat or saddle for the rider. A moped cannot have the capability of exceeding 30 mph on level ground, and if it has a combustion engine, it must be 50 CCs or less. Scooters that do not meet those definitions do not require insurance.
The State of Oregon does not distinguish the insurance requirements for automobiles, motorcycles, or mopeds. Owners of motor vehicles operating on public roads must have insurance coverage with 25/50/20 minimum limits, meaning the policy liability must cover at least the following:
- $25,000 per injured person
- $50,000 per accident
- $20,000 property per accident.
Owners also need uninsured motorist coverage of $25,000 per person and $50,000 per collision for bodily injury.
Insurance companies also differ in whether and how they distinguish the two-wheeled vehicle types, so shop around or use an independent agent like Oliver Insurance to find the coverage that meets your needs.
Insuring Your Motorcycle with Oliver Insurance
The Oliver Insurance team serves the Canby, OR, area. We can help with your motorcycle, moped, or other insurance needs, so call (503) 266-2715 to schedule an appointment.
