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Your Guide to Auto
and E-bike Insurance
E-bikes are now regulated like motor vehicles. Here are the requirements:
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Every rider must be at least 15 years old
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Hold a valid driver license, an e-bike license or permit
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Register & insure the e-bike
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Wear a helmet (regardless of age)
Free Bike Insurance Quote
Alert: New Jersey has abandoned the national three-class-e-bike framework and enacted the most restrictive e-bike law in the country. Any bike iwth a throlle or a motor that assists past 20 mph now requires registration, a driver's license and liability insurance with minimums of $15,000 personal injury per person / $30,000 personal injury per accident / $5,000 property damage. Riders under 15 years of age are banned entirely. The registration deadline is July 19th 2026, but the insurance requirement is already in effect. Standard homeowners and auto policies will not satisfy the new minimums. You'll need a dedicated e-bike policy.
NATIONWIDE E-BIKE COVERAGE
EVERYTHING YOUR BIKE NEEDS - IN ONE PLACE!
Accidental Damage
New or Used E-Bikes
Road and Off-Road Riding
Transit Coverage Included
Up to 28 MPH
Listed Accessories Included
Optional Theft Coverage
Replacement-Cost Value
No Depreciation
Casual to Competitive Riding
KNOW THE E-BIKE LAWS...
WHAT'S REQUIRED?
All e-bike riders must now have:
A Valid License:
Age 17+ (Driver's License) or age 15 & 16 (Motorized Bicycle License)
State Registration:
All e-bikes must be registered with the MVC
Insurnace:
Liability insurance coverage is now required
Note: License and registration fees are waived for the first year.
