An e-bike, or electric bike, is a hybrid vehicle that has bicycle pedals as well as a motor, which can either power the vehicle alone or assist the rider while pedaling. If you recently bought or are considering buying an electric bike, you might be wondering whether such a vehicle needs to be insured and what kinds of insurance are available. This article will help you understand what coverage you need to be protected and keep your finances safe.
A local independent insurance agent can also help you find the right kind of e-bike insurance. They'll get you matched to the policy you need fast. But first, here's an overview of e-bike insurance, what it covers, where to find it, and more.
Do You Need Insurance for an Electric Bike or E-Bike?
In most states, insurance for an e-bike isn't required since they're viewed the same as other bicycles. However, you'll need to double-check your specific state's laws to be certain.
Regardless of your state's legal requirements, you might still choose to insure your electric bike to protect your investment in case of incidents like theft, vandalism, or accidents. Especially if you'll be using your e-bike for regular transportation, you'll want to ensure it's covered.
You might find protection for your e-bike against theft, vandalism, and other disasters that may occur while it's stored at your home under one of your existing policies. However, your homeowners insurance or renters insurance typically only covers incidents that occur when your e-bike is stored on the premises, so you might still want additional coverage for when you take your electric bike out for rides.
How Do You Insure an E-Bike?
The type of insurance available for electric bikes varies by insurance company. Often, you'll find electric bike insurance policies are quite similar to motorcycle insurance in what they cover. So, you might find the following types of coverage in an electric bike insurance policy:
- Medical payments coverage: E-bike insurance might include coverage that pays for your injuries after an accident you're at fault for.
- Liability coverage: E-bike insurance might include bodily injury liability and property damage liability insurance to cover costs associated with injuring a third party or damaging their property with your electric bike.
- Collision coverage: E-bike insurance might include collision coverage, which pays for damage to your e-bike from a collision with another driver or rider, regardless of fault.
- Comprehensive coverage: E-bike insurance might include comprehensive coverage, which pays for damage to your bike due to a non-collision event such as a flood or theft.
- Gear and equipment coverage: E-bike insurance might also include optional coverage for your equipment and gear, such as helmets and more.
An independent insurance agent can help you build the right kind of e-bike insurance policy to meet your personal needs.
How Much Does E-Bike Insurance Cost?
The cost of e-bike insurance varies by carrier, the types of coverage you need, the exact kind of electric bike you insure, and other factors. You can likely find just minimum coverage for your e-bike, which would include basic liability protection, and these policies would be cheaper than if you got full coverage. Your age, location, driving record, and more can also impact your premium rates.
The Best E-Bike (Electric Bike) Insurance of 2025
When you're ready to insure your electric bike, you'll want to look into only the best carriers. We ranked our top five best electric bike insurance companies in 2025 based on several criteria.
The best e-bike insurance depends on a carrier's customer satisfaction, policy options, and many more factors. Here are our picks for the best e-bike insurance companies in several categories.
Best E-Bike Insurance Company Overall: Velosurance
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Offers several coverage options |
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No online quotes offered |
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Offers specialized policies |
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Coverage is not available in every state |
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Offers discounts for organization members |
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Official website does not provide information about rates or deductibles |
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Offers a nationwide repair shop network |
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Our choice for the best e-bike insurance company overall goes to Velosurance. The carrier offers e-bike insurance policies that provide coverage for medical payments, theft, roadside assistance, crash and accident damage, and damage during transit.
Coverage extends globally, with increased coverage limits available for international travel. Liability coverage is available in increments of $25,000, $50,000, or $100,000 per occurrence.
Velosurance partners with Markel, which is an A-rated carrier by AM Best for financial strength. Electric bike insurance from Velosurance can be customized with additional coverage options like racing coverage, replacement bike rental coverage, and bike airline shipping coverage. We also love the carrier's network of bike repair shops, which extends nationwide.
Best E-Bike Insurance Company for High Coverage Limits: McClain Insurance
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Offers high coverage limits on select policies |
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Coverage is only available in Arizona, Idaho, Oregon, Utah, and Washington |
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Affordable premium rates |
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Not rated by AM Best |
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Offers annual coverage reviews |
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Lack of official reviews |
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Coverage offerings are limited compared to competitors |
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Our choice for the best e-bike insurance company for high coverage limits goes to McClain Insurance. The carrier offers the highest coverage limits of all competitors we reviewed by a huge margin. Customers can buy liability insurance in amounts ranging up to $500,000.
These policies can also include medical payments coverage and property damage coverage. However, McClain Insurance doesn't list options for these coverage limits on its official website.
The carrier also offers highly affordable coverage, with rates starting at just $250 per year. However, McClain Insurance doesn't offer many special coverages that most competitors do, such as roadside assistance, replacement cost coverage, and travel protection. E-bike insurance is also currently only offered in five states.
Best E-Bike Insurance Company for Affordable Rates: Spoke Insurance
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Offers policies for as little as $100/year |
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Does not offer discounts |
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Offers policies with low deductibles |
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Coverage is not available in all states |
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Offers online quotes |
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Extra fee required for global coverage |
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Offers high limits and several coverage options |
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Only offers e-bike coverage for Markel renters and home insurance policyholders |
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Our choice for the best e-bike insurance company for affordable rates is Spoke Insurance, which also partners with Markel. The carrier offers some of the most affordable electric bike coverage, with premiums starting at just $100 annually.
There are also policies with low deductible options ranging between $200 to $500. You can find the standard coverage options from Spoke Insurance, such as theft insurance, spare parts coverage of up to $1,000, liability coverage with limits ranging from $25,000 to $100,000, medical payments coverage ranging from $1,000 to $10,000, transit protection, bike replacement cost coverage, and bike rental reimbursement coverage.
Roadside assistance coverage is available for an additional $12 annually. However, coverage isn't available in every state, nor is it available to all customers with e-bikes. Since policies are underwritten by Markel, you can only get an e-bike policy through Spoke Insurance if you're already a Markel renters insurance or home insurance policyholder.
Best E-Bike Insurance Company for Insuring Multiple Bikes: Simple Bike Insurance
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Multiple discounts available |
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Customer service is lacking |
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Offers policies with rates starting at $100 annually |
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Named insured individual must be at least 18 years old |
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Coverage is available nationwide |
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Our choice for the best e-bike insurance company for insuring multiple bikes is Simple Bike Insurance, thanks to its robust discounts for customers who insure more than one electric bicycle. Discounts are also offered on top of already affordable rates for customers who insure a combination of bikes, such as mountain bikes, cruisers, and road bikes, in addition to e-bikes.
Customers can find policies with up to $25,000 in liability coverage from Simple Bike Insurance, as well as up to $1,000 in medical payments coverage, up to $1,000 in spare parts coverage, and up to $10,000 in collision coverage. Other coverages offered include worldwide physical damage protection, roadside assistance, competition fee reimbursement coverage, and rental bike replacement coverage. These policies insure e-bikes ridden anywhere in the U.S. and Canada.
Premium rates start at just $100 per year, and customers can get low deductibles ranging from $200 to $500. Simple Bike Insurance offers additional discounts as well, including 10% off for belonging to certain organizations such as USA Triathlon or USA Cycling.
Best E-Bike Insurance Company for International Travelers: Sundays Insurance
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Offers unique policy and coverage options |
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Coverage is not available in every state |
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Offers perks for Strava members |
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Coverage limits offered aren't as high as competitors |
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Standard policies cover e-bike batteries |
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Additional fee for worldwide coverage |
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Offers online quotes and claims reporting |
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Our choice for the best e-bike insurance company for international travelers is Sundays Insurance. The carrier offers airline shipping coverage and physical damage coverage to customers who add the worldwide extension to their policies. However, this coverage is offered at an additional fee.
Coverage from Sundays Insurance covers e-bikes ridden in the U.S., the UK, and Australia. Optional coverage options are available for racing, rental reimbursement, and spare parts (up to $600).
Another nice perk of coverage from Sundays Insurance is that e-bike batteries are also protected against theft and damage from collisions. Multi-bike discounts are available to help reduce coverage rates, and perks are available for Strava members.
The carrier offers accessible options for customers, such as online claims reporting and quotes. Coverage isn't available in all states, and policies are underwritten by Tokio Marine.
How We Select the Best Electric Bike Insurance Companies
Trusted Choice evaluated electric bike insurance companies based on several criteria and applied a calculated methodology to develop our list of top carriers across several categories. Several e-bike insurance carriers were evaluated in terms of pros and cons, including the overall website, coverage options, discounts and benefits, coverage rates, online quote availability, financial strength, and history in the insurance industry. An assessment of combined carrier reputation and electric bike insurance options and prices was conducted to craft our list of top picks for providers in every category above.
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