This is conjecture only because I really don’t know the answer to this one: I’ve seen a guy in our small town riding a moped and I doubt he has either a license or insurance. But I’ll bet if he were to drive it anywhere else — on the road to the next town or in any larger towns, he *should” have a license or risk any penalties. For safety alone, I surely would not advise anyone to drive a moped on any major highway or in any sizable town/city in Ecuador.