Do You Need Insurance for Electric Bikes in the US?

Written by: Rémy Rossi | December 2, 2025 | Time to read 4 min

Electric bike insurance isn’t required, but it comes highly recommended. Check it out for yourself below!

More about the Author: Rémy Rossi

Rémy Rossi is a bike writer, mechanic, and educator who got his start in community-based bike shops and co-ops. With a decade in the industry, he still wrenches on bikes when he can and plays bike polo on a fixie.

Rider standing with Momentum PakYak+ electric cargo bike on sidewalk
As the adage goes, “It’s better to be safe than sorry”. Getting insurance for your electric bike can be a wise decision that can save you headaches and cash in the event of theft, damage, or a crash. But unlike with cars, mopeds, and motorcycles, insurance isn’t actually required to operate e-Bikes in most of the US. Continue reading to find out what e-Bike insurance is and if it makes sense for you.

What is electric bike insurance?

E-Bike insurance provides comprehensive coverage in the case of bike theft, damage, or incidents at or away from home. E-Bike protection is typically offered as a standalone policy, as electric bikes aren’t normally covered by standard renters’ or homeowners’ insurance. If your e-Bike is stolen, involved in a crash, or suffers a mechanical failure, dedicated insurance can help offset repair expenses or cover the cost of replacing the e-Bike.

Companies such as Sundays offer bicycle and e-Bike insurance designed specifically for cyclists. Bicycle insurance premiums with Sundays start as low as $8 per month, while additional coverage for more expensive bikes may increase to $30/month. 

Is e-Bike insurance required in the US?

Sundays logo bicycle insurance and rider on bike

In most cases, you don’t need insurance in the US if your e-Bike fits within the three common classifications. Class 1, Class 2, and Class 3 e-Bikes are treated separately from motor vehicles like cars or motorcycles. Because of this, riders aren’t legally required to carry dedicated e-Bike insurance. The vast majority of states have removed any insurance mandate for standard legal e-Bikes.

Does Upway offer electric bike insurance?

Upway partners with Sundays Insurance to make it easy for customers to add a policy during check-out. Sundays offers dedicated bicycle and e-Bike insurance designed to protect your ride. Because e-Bikes are a significant investment, having coverage can make all the difference if something unexpected happens. 

A Sundays policy safeguards you from incidents like accidental damage, crashes involving motor vehicles, vandalism or malicious damage, and theft both at home and while you’re out and about. Coverage also factors in a 10% annual depreciation rate, helping keep premiums affordable as your bike gets older.

Many riders choose specialized e-Bike insurance because traditional homeowners or renters policies often fall short. In many cases, e-Bikes are excluded altogether, or they’re only covered under low-value limits meant for ordinary sports equipment. As a result, reimbursement is frequently minimal, and these general policies rarely protect against theft or accidents that happen away from home.


A used e-Bike deserves fresh protection—here’s how to lock in security, cut risk, and keep your ride truly yours!


Does Upway offer extended warranty options?

All Upway e-Bikes come with our standard 1-year warranty, but customers can purchase an extended warranty for extra peace of mind. Upway has teamed up with Extend, allowing customers to choose longer protection plans that run for 1, 2, or 3 years. These plans include accidental damage from the moment you receive your bike— such as impacts, crashes, or road-related mishaps. They also provide support for mechanical or electrical breakdowns that occur once the manufacturer’s warranty expires.


You can add an Extend plan during checkout or anytime within 30 days after buying your bike. Pricing varies based on the value of your bike and the length of coverage you select. After purchasing a plan, you’ll receive a confirmation email outlining everything included. If you ever need to file a claim, you can do it online at any time or by calling (877) 248-7707. 

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Frequently Asked Questions

How do I register my used electric bike?

Register your e-Bike by submitting its serial number, model info, and a photo to a registry like Project 529 or Bike Index. This helps authorities recover your bike if it’s stolen.

Quick steps: Find your serial number → Take a photo → Register online → Apply the Project 529 shield included with every Upway e-Bike.

What does e-Bike insurance cover?

Specialized e-Bike insurance—such as Sundays—covers theft, accidental damage, crashes, vandalism, and transit issues. Optional add-ons can include racing, custom parts, and travel coverage. Upway customers can add Sundays insurance directly at checkout.

Do I need insurance for a used electric bike?

Insurance is recommended if you ride 20+ miles per week, commute daily, or own a higher-value bike. It protects against theft and costly repairs, offering peace of mind for frequent or urban riders.

Key Takeaways


  1. Insurance isn’t mandatory: Most U.S. e-Bikes (Class 1–3) don’t legally require coverage, but protection can save you money and stress.
  2. Standalone coverage matters: Standard homeowners’ or renters’ insurance often excludes e-Bikes or limits reimbursement.
  3. Extra protection is flexible: Upway’s Extend plans and Sundays e-Bike insurance offer theft, accident, and mechanical coverage to keep your ride safe at home and on the road.

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