The NJ E-Bike Law: Day 3 – What Riders Need to Know About Insurance

Today is Day 3 since Governor Murphy signed the New Jersey e-bike law, and one topic is now front and center: insurance.

We now know that insurance will be required under the new law, so today’s update focuses on what that means, what’s currently confirmed, and what riders should be paying attention to right now.

Insurance Is Now Required

Because the new law follows New Jersey’s auto insurance framework, riders will need liability coverage. This is a significant change for the e-bike community and one that raises a lot of understandable questions.

For the past two years, we’ve partnered with a bike-specific insurance provider founded and staffed by cyclists. We recommend them because they understand bikes, riders, and the realities of cycling better than traditional insurers.

I want to be transparent: if you use the link on our website, we receive a small referral fee. That said, this information is being shared because it’s relevant and important, not because of that referral.

What We’ve Confirmed So Far

I spoke yesterday by phone and followed up by email with the insurance company’s CEO to better understand how coverage aligns with the new law.

As of January 1, New Jersey increased its minimum auto liability limits to:

• $35,000 bodily injury per person
• $70,000 bodily injury per accident
• $25,000 property damage per accident

Because S4834, the bill signed into law on Monday, follows the state’s auto insurance framework, these same limits apply.

The liability coverage offered by this insurer meets and exceeds New Jersey’s current minimum requirements, based on what we understand today.

Other Insurance Options to Check

Some homeowners and renters insurance policies may also provide coverage for e-bikes. Coverage varies widely, so it’s important to review your existing policy and confirm what is and isn’t included.

Right now, bike-specific insurers appear to be among the few already aligned with the new requirements, which is why we’re highlighting this option.

What Coverage Typically Includes

Coverage options may include:

• Theft, crash, or accidental damage
• Medical payments
• Third-party liability
• Uninsured motorist protection
• Damage or loss during transit
• Racing coverage
• Worldwide coverage

Policies generally cover electrically assisted e-bikes up to a maximum assisted speed of 28 mph. Bikes that exceed that speed are unlikely to be insurable under current standards.

Why This Matters

Insurance is now part of riding in New Jersey, and understanding your options is essential. While many details of this law are still being clarified, being insured is one of the most concrete steps riders can take right now.

We’ll continue sharing updates as we learn more and as guidance becomes clearer.

📂 This video is part of our ongoing NJ E-Bike Law update series.
Watch all updates here:
NJ E-Bike Law Playlist on YouTube

📺 Watch the full Day 3 update here: