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Do ebike need insurance ?

Let’s get the important question answered and out of the way – Do ebike need insurance  by law? The answer here is no, you do not need ebike insurance in the US.

The key here is to understand what is being classified as an ebike and not a moped, electric motorcycle or any other form of motorized vehicle. On August 30th, 2019, the department of interior released a policy order that clearly defined what an ebike is classified as. Below are the 3 classes of ebikes in its simplest terms:

Class 1 – Motorized bicycle that provides pedal assist up to 20 MPH

Class 2 – Motorized bicycle that provides both throttle & pedal assist up to 20 MPH

Class 3 – Motorized bicycle that provides pedal assist up to 28 MPH

So as long as you are riding a class 1, 2, or 3 ebike, you do not need to have electric bike insurance. In many cases, ebikes can even be covered through homeowners insurance. We encourage everyone to look further into their local and state laws to learn more about ebike policies.

There are, however, instances where some may choose to look into purchasing insurance for various reasons.

In this article, we’ll discuss a few of the most important reasons why you might want to consider purchasing an insurance policy that covers your ebike.



Ebikes Are An Investment

If you have an electric bike or are considering purchasing one, then you know that it’s a rather substantial investment. High-quality ebikes can often cost upwards of $1,000 all the way to nearly $3,000, while a high-end ebike can cost upwards of $12,000. With an investment like that, you should always be sure that you have adequate insurance coverage for ebike for damage, theft, or any other unforeseen circumstances.

Furthermore, ebikes are often complicated in terms of electrical, mechanical, and computer-driven systems. Additionally, they usually travel relatively quickly and for great distances at a time, which makes them more susceptible to potential loss or damage. Ebikes are a substantial investment that you will absolutely need to protect.

Ebikes Have Potential Risks

Because electric bicycles often travel faster and are heavier than regular bicycles, they have a higher demand for liability coverage. This also makes them potentially dangerous for causing harm to someone else’s property or physical injury to another.

Without insurance, a bicycle rider who caused an accident may be held personally accountable for the accident and face devastating financial obligations.

While ebikes are seldom involved in third party cycling crashes, that does not mean that the risks are any less real. Ebikes travel faster than regular bikes, so they have the potential to cause more injury to the rider, pedestrians, or property in the event of an accident.

Should you be involved in an ebike accident with no electric bikes insurance protection, the damages you may be held liable for could be significant, and the financial liabilities alone could be catastrophic.


Other Insurance Policies Offer Very Limited Ebicycle Coverage

As an electric bike is considered a motorized vehicle, traditional homeowners and renters insurance policies typically provide limited coverage for theft, damage, or liability associated with ebikes. Moreover, your typical auto insurance company may not offer electric bicycle insurance because ebikes don’t have to be insured with an auto insurance policy, and ebike riders aren’t required to have a valid driver’s license to ride.

Ebike Insurance is Available and Affordable

Yes, e bicycle insurance does exist, and it provides a blend of coverage options between auto, home, and renters insurance. But how much is ebike insurance? Most ebike policies begin at nearly $100 a year and extend to an assortment of coverage levels and deductible choices. One of the best things about insurance for ebikes is that each policy can be customized to suit you and your riding style. Coverage often includes insurance for property damage resulting from theft, crash, collision, fire, attempted theft, vandalism, or hitting a pedestrian. Additionally, covered bikes can get replacement parts and rental reimbursement at no extra price.


Personal Accident Insurance

If you’ve been involved in an accident on your ebike as an uninsured motorist, you will have to worry about how you are going to pay to have the damaged ebike repaired out of your own pocket. In the event that you’ve got a personal accident section included in your electric bicycle insurance policy, then you will be given a lump sum amount of money if you are seriously injured following an accident on your ebike. This may help ease your mind even in the worst-case scenario.

Ebike Theft Insurance

As a cyclist, theft is always a concern. Bikes are often covered under insurance policies in the event your lock or chain is cut, so make sure to protect your ebike against this risk when purchasing an insurance policy. A theft section on your electric bicycle insurance policy will pay for the expense of a replacement if yours is stolen, something that is especially critical if your ride is on the higher end in terms of price.

Third-Party Liability

This is likely what you think about when ebike insurance is brought up. In the event that you are involved in an accident while riding your ebike, third party liability insurance would cover the cost of any damages that resulted from the accident. As an ebike is considered a motorized bike, third-party liability insurance is significant because it is something that is not often thought of, but something that can happen to any rider.

Malicious or Accidental Damage

Accidents and vandalism happen all the time. While it is certainly not your fault, you will likely require help in paying for any repairs or replacements that are required as a result. If you are considering purchasing ebike insurance, be sure that you get a policy that covers accidental and malicious damage, so that you can keep your ebike in excellent shape no matter what happens.


Even though ebike insurance isn’t required for cyclists, being informed on why people may consider purchasing a policy is important. If you decide that it is something you want, be sure to perform thorough research before you buy a policy. Read reviews from customers to ensure you’re working with a reputable company that knows how to handle claims efficiently. You want to make sure that you get the best ebike insurance policy for you. You will thank yourself in the future because while insurance can be a pricey purchase to make, it will be well worth it can also be beneficial in the event you need it.



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