In Texas you DO need to carry liability insurance at the state minimum coverage of 30/60/25. Fortunately, insuring scooters is CRAZY CHEAP! A typical liability policy on most scooter runs less than $80 for the whole year! You can also carry full coverage for most scooter models with price averages around $35/mo. Of course your insurance rate will depend on a number of factors like driving history, age, scooter model, etc.