If you’re located in the United States, yes, but only if it falls within one of the classes below. If you’re in Europe or another country, the laws may be different. We’re only going to touch on the United States for now.

Class 1 E-Bike

• Your bicycle is motorized
• It has pedal assist up to 20 miles per hour
• It doesn’t have throttle

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Class 2 E-Bike

• Your bicycle is motorized
• It has pedal assist and throttle up to 20 miles per hour

Class 3 E-Bike

• Your bicycle is motorized
• It has pedal assist up to 28 miles per hour
• It doesn’t have throttle

If your e-bike falls into these three categories, the general rule of thumb is that it’s legal to ride without insurance. It’s important to note that your city, county, and even state may enact new laws enforcing mandatory insurance, however.

Keep your eyes peeled for updates to make sure you aren’t breaking any laws because they can and do change. For example, while some states may not require a license or insurance to ride an e-bicycle, they might require registration. Also, how you ride your e-bicycle and where you can ride it may vary from state to state.

In short, the United States generally doesn’t force e-cyclists to carry insurance for their electric bikes as long as they are Class 1, 2, or 3. However, these laws can and do change – and they may depend on the state you live in. It’s your responsibility as an e-cyclist to ensure you aren’t breaking any laws.