The rules that govern different kinds of vehicles and insurance vary from state to state. As a result of those many small differences, some people share inaccurate information with others regarding the insurance or licensing requirements related to less-traditional vehicles like motor scooters or mopeds.

Quite a few people view these small vehicles as a safe early learning tool for those hoping to get behind the wheel of a car in the near future. Others see them as an excellent alternative for someone who may have lost their license due to a drunk-driving incident.

Does Colorado allow unlicensed adults or teenagers to drive mopeds or scooters? Do drivers on the small vehicles have to carry insurance in case they get into a crash?

What qualifies as a scooter or moped under Colorado law?

Many people don’t understand the difference between a motorcycle and a moped or motorized scooter. Under Colorado law, motorized scooters or low-powered scooters include vehicles with three or fewer wheels with engines that are 50ccs or smaller.

Do you have to have a license to drive a motor scooter on Colorado roads?

Unlike some states where those who are too young for a license or those who have lost their license can drive a motor scooter on public roads, Colorado requires a full license for the legal operation of a scooter.

A learner’s permit is not sufficient. Children who have secured their full license can potentially drive a scooter, although those under 18 must legally also wear a helmet and eye protection like goggles while driving.

Do you have to have insurance on a motorized scooter in Colorado?

At first glance, a scooter may seem like a vehicle capable of producing very little damage. If anything, it may seem like a risk for the driver to get hurt because they will be close to people in bigger, faster vehicles.

However, scooters can cause severe property damage and can even prove fatal if a scooter driver loses control and strikes a pedestrian, falls off or loses a passenger while driving. Due to these and other risks, Colorado does require registration of individual scooters and proof of insurance for everyone operating a motorized scooter on public roads.

Scooter drivers who cause property damage or hurt people can be held liable for their actions. This works through insurance claims and possibly through a personal injury lawsuit against the driver if they cause more damage than they have insurance to cover or if they don’t have insurance at all.