E-Bike Safety Guide for Students

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While electric bicycles can give students a fast, convenient way to get to school and an early taste of independence, it’s crucial to practice e-bike safety to mitigate the potential risks associated with riding an e-bike. In addition, each student must understand their state’s e-bike laws, including licensing, registration, helmet and insurance requirements.

E-bike safety involves wearing a helmet, being alert, riding only in areas where your e-bike is allowed and following your state’s laws for equipment and rider certifications.

Keep reading for more e-bike safety tips — plus an overview of legal requirements by state and what types of insurance may help protect your electric bike.

Key Takeaways

  • E-bike safety laws vary by state and may address helmet use, minimum age rules, license or registration requirements and where e-bikes can be ridden.
  • New Jersey is the only state that requires insurance for all e-bikes, but specific rules may vary by city or jurisdiction.
  • Electric bicycles come with more safety risks than regular bicycles due to their heavier frames and higher speeds, which can lead to serious injuries or fatalities in the event of a crash.
  • Checking for IP, UL and ISO ratings can help you determine how resistant an e-bike is to dust or water damage and how well its electrical components function.

Depending on your state, there may be laws about the minimum age to ride an e-bike, whether a license or registration is necessary, whether you must wear a helmet and where each class of e-bike can be ridden. Keep in mind that legal requirements may vary based on which of the following classes your e-bike falls into:[1]

  • Class 1: Class 1 e-bikes have a top assisted speed of 20 mph. However, they don’t have a throttle, so the electric motor only propels the bike forward while you are actively pedaling.
  • Class 2: The throttle on a Class 2 e-bike can empower your e-bike to move at its maximum speed of 20 mph — meaning you don’t need to pedal at all to reach your bike’s top assisted speed.
  • Class 3: A Class 3 e-bike can reach the highest possible top speeds, traveling as fast as 28 mph while you pedal. Like Class 1 e-bikes, Class 3 bikes can’t reach their top assisted speeds unless you pedal.

E-Bike Rider Certifications

E-bike riders may need to meet certain minimum qualifications, such as being a certain age, having a valid registration or having a Class M motorcycle license or some other type of driver’s license. See the following table for a rundown of state-mandated rider certifications:[1][2][3][4][5][6]

State/District

Minimum Age

License Required

Registration Required

Alabama 16 for Class 3 e-bikes (younger children may ride as passengers but may not operate) No No
Alaska 14 Yes No
Arizona N/A No No
Arkansas 16 for Class 3 e-bikes No No
California 16 for Class 3 e-bikes (younger children may ride as passengers but may not operate) No No
Colorado 16 for Class 3 e-bikes No No
Connecticut 16 for Class 3 e-bikes (younger children may ride as passengers but may not operate) No No
Delaware 16 for Class 3 e-bikes (younger children may ride as passengers but may not operate) No No
District of Columbia 16 No No
Florida N/A No No
Georgia 15 for Class 3 e-bikes (younger children may ride as passengers but may not operate) No No
Hawaii 15 No Yes
Idaho N/A No No
Illinois 16 for Class 3 e-bikes No No
Indiana 15 for Class 3 e-bikes (younger children may ride as passengers but may not operate) No No
Iowa 16 for Class 3 e-bikes (younger children may ride as passengers but may not operate) No No
Kansas 16 for Class 3 e-bikes (younger children may ride as passengers but may not operate) No No
Kentucky N/A No No
Louisiana 12 for Class 3 e-bikes that can’t carry passengers No No
Maine 16 for Class 2 and 3 e-bikes that can’t carry passengers No No
Maryland 16 for Class 3 e-bikes (younger children may ride as passengers but may not operate) No No
Massachusetts 16 Yes Yes
Michigan 14 for Class 3 e-bikes (younger children may ride as passengers but may not operate) No No
Minnesota 15 No No
Mississippi 16 for Class 3 e-bikes (younger children may ride as passengers but may not operate) No No
Missouri 16 for Class 3 e-bikes (younger children may ride as passengers but may not operate) No No
Montana N/A No No
Nebraska N/A No No
Nevada N/A No No
New Hampshire 16 for Class 3 e-bikes that can’t carry passengers No No
New Jersey 15 Yes Yes
New Mexico 16 for Class 3 e-bikes No No
New York 16 (Class 3 e-bikes that travel up to 25 mph are only allowed in New York City, while Class 3 e-bikes that can exceed 25 mph are not allowed anywhere in the state) No No
North Carolina 16 No No
North Dakota N/A No No
Ohio 16 for Class 3 e-bikes (younger children may ride as passengers but may not operate) No No
Oklahoma 16 for Class 3 e-bikes (younger children may ride as passengers but may not operate) No No
Oregon 16 No No
Pennsylvania 16 No No
Rhode Island N/A No No
South Carolina N/A No (unless your e-bike has a power output of over 750 watts) No (unless your e-bike has a power output of over 750 watts)
South Dakota 16 for Class 3 e-bikes (younger children may ride as passengers but may not operate) No No
Tennessee 14 for Class 3 e-bikes No No
Texas 15 for Class 3 e-bikes (younger children may ride as passengers but may not operate) No No
Utah 16 for Class 3 e-bikes No No
Vermont 16 for Class 3 e-bikes (younger children may ride as passengers but may not operate) No No
Virginia 14 for Class 3 e-bikes No No
Washington 16 for Class 3 e-bikes (younger children may ride as passengers but may not operate) No No
West Virginia No minimum age, though Class 3 e-bike passengers under 15 can only ride with operators who are 18 or older No No
Wisconsin 16 for Class 3 e-bikes No No
Wyoming 16 for Class 3 e-bikes (younger children may ride as passengers but may not operate) No No

Keep in mind that New Jersey’s current e-bike regulations recently came into effect on July 19, 2026. Previously, the state considered all three classes of e-bikes to be bicycles for legal purposes. Now, all classes of e-bikes are considered to be motorized bicycles, meaning all e-bike riders are required by law to be licensed, registered and insured.[2]

Meanwhile, some minor changes to state e-bike laws are slated to take effect in 2027, such as the following:[2][5]

  • Illinois: Starting on Jan. 1, 2027, specialized e-bikes with power outputs above 750 watts or top assisted speeds above 28 mph will be classified as “motor-driven cycles” and will require a license, registration and insurance in Illinois.
  • Utah: From May 2027 onward, e-bike riders in Utah between the ages of 8 and 15 will need to obtain a safety certificate to ride a Class 1 or 2 e-bike without adult supervision.

Helmet Requirements

Some state laws aim to keep e-bike riders safe by requiring helmets, depending on their age and the type of e-bike they ride. Here are the current state-level regulations surrounding helmets for e-bike operators and passengers:[1][3][5][7][8][9][10][11]

State/District

Helmet Requirement

Alabama Required for Class 3 e-bike riders regardless of age and riders under the age of 16 regardless of e-bike class
Alaska Optional
Arizona Optional
Arkansas Required for Class 3 e-bike riders under the age of 21
California Required for Class 3 e-bike riders
Colorado Required for Class 3 e-bike riders under the age of 21
Connecticut Required for all e-bike riders
Delaware Required for Class 3 e-bike riders
District of Columbia Optional
Florida Required for riders under the age of 16
Georgia Required for Class 3 e-bike riders
Hawaii Required for riders under the age of 16
Idaho Optional
Illinois Optional
Indiana Required for Class 3 e-bike riders under the age of 18
Iowa Optional
Kansas Optional
Kentucky Optional
Louisiana Required for Class 3 e-bike riders
Maine Required for riders under the age of 16
Maryland Required for riders under the age of 16
Massachusetts Required for all e-bike riders
Michigan Required for Class 3 e-bike riders under the age of 18
Minnesota Optional
Mississippi Optional
Missouri Optional
Montana Optional
Nebraska Optional
Nevada Optional
New Hampshire Required for Class 3 e-bike riders under the age of 18
New Jersey Required for all e-bike riders
New Mexico Required for riders under the age of 18
New York Required for riders under the age of 18
North Carolina Optional
North Dakota Required for Class 3 e-bike riders under the age of 18
Ohio Required for Class 3 e-bike riders
Oklahoma Optional
Oregon Optional
Pennsylvania Optional
Rhode Island Required for riders under the age of 21
South Carolina Optional
South Dakota Required for Class 3 e-bike operators under the age of 18 and Class 3 e-bike passengers regardless of age
Tennessee Required for Class 3 e-bike riders
Texas Optional
Utah Required for riders under the age of 21 on public roads
Vermont Optional
Virginia Required for Class 3 e-bike riders
Washington Optional
West Virginia Required for riders under the age of 15
Wisconsin Optional
Wyoming Optional

Where You Can Ride

You may only be allowed to ride your e-bike on certain types of roads, depending on where you live. Below are state requirements related to where you can ride an e-bike:[1][8]

State/District

Where You Can (Or Can’t) Ride

Alabama Allowed on bike paths and multi-use paths
Alaska Not allowed on sidewalks or bike paths
Arizona Allowed on sidewalks and bike paths
Arkansas May not be allowed on bike paths in certain cities
California May not be allowed on bike paths in certain cities
Colorado May not be allowed on bike paths in certain cities
Connecticut Class 3 e-bikes aren’t allowed on bike paths or multi-use paths
Delaware Allowed on bike paths and multi-use paths
District of Columbia Allowed on sidewalks, off-road paths and bike routes
Florida Allowed on bike paths, multi-use paths and any other road where bicycles are allowed
Georgia Class 3 e-bikes aren’t allowed on bike paths or multi-use paths unless a local government specifically allows them or the paths are situated near a highway or other major roadway
Hawaii Allowed on bike paths and any other road where bicycles are allowed
Idaho Allowed on bike paths and potentially singletrack mountain bike trails
Illinois Allowed on bike paths but not on sidewalks
Indiana Class 3 e-bikes aren’t allowed on trails, bike paths or multi-use paths unless a local government specifically allows them or the paths are situated near a highway or other major roadway
Iowa Allowed on bike paths and multi-use paths
Kansas Allowed on bike paths and multi-use paths
Kentucky Allowed on sidewalks and bike paths
Louisiana Allowed on multi-use paths, bike lanes and any other road where bicycles are allowed besides natural surface trails
Maine Class 3 e-bikes aren’t allowed on bike paths unless a local government specifically allows them or the paths are situated near a highway or other major roadway
Maryland Class 3 e-bikes aren’t allowed on bike paths unless a local government specifically allows them or the paths are situated near a highway or other major roadway
Massachusetts Not allowed on sidewalks or bike paths
Michigan Class 1 e-bikes are allowed on bike paths and linear trails, but Class 2 and 3 e-bikes aren’t allowed on these paths unless a local government specifically allows them
Minnesota Allowed on bike paths and multi-use paths
Mississippi Allowed on bike paths and multi-use paths
Missouri Allowed on bike paths and multi-use paths
Montana Allowed on sidewalks and bike paths
Nebraska Allowed on sidewalks and bike paths
Nevada Allowed on highways, bike paths, multi-use paths and any other road where bicycles are allowed
New Hampshire Class 1 and 2 e-bikes are allowed on bike paths and multi-use paths, but Class 3 e-bikes are only allowed on roadways unless a local government specifically allows them to ride elsewhere
New Jersey Always allowed on public roadways, sometimes allowed on bike paths or multi-use paths and not allowed on sidewalks unless a local government specifically allows them
New Mexico Class 1 e-bikes are allowed on bike paths and multi-use paths, but Class 2 and 3 e-bikes are only allowed on these paths if a local government specifically allows them
New York Class 1 and 2 e-bikes are allowed on roads with speed limits of up to 30 mph and some bike paths that are situated near major roads
North Carolina Allowed on sidewalks where bicycles are allowed and not expressly prohibited on bike paths
North Dakota Allowed on bike paths and multi-use paths
Ohio Allowed on bike paths and potentially singletrack mountain bike trails
Oklahoma Class 3 e-bikes aren’t allowed on bike paths or multi-use paths unless a local government specifically allows them or the paths are situated near a highway or other major roadway
Oregon Allowed on bike paths but not on sidewalks
Pennsylvania Allowed on some sidewalks and any other road where bicycles are allowed
Rhode Island Not expressly prohibited on bike paths
South Carolina Not expressly prohibited on bike paths
South Dakota Class 1 and 2 e-bikes are allowed on bike paths and multi-use paths
Tennessee Class 1 and 2 e-bikes are always allowed on bike paths, Class 3 e-bikes are generally prohibited on bike paths and all e-bikes are prohibited on sidewalks
Texas Generally allowed on any road where bicycles are allowed
Utah Allowed on bike paths but not on sidewalks
Vermont Allowed on bike paths and multi-use paths
Virginia Allowed on multi-use paths and bike lanes
Washington Class 1 and 2 e-bikes are allowed on bike paths and developed trails, Class 3 e-bikes are only allowed on these paths if a local government specifically allows them and any e-bike may be allowed on singletrack mountain bike trails if a local government specifically allows them
West Virginia Class 1 and 2 e-bikes are allowed on bike paths, multi-use trails and single-use trails where bicycles are allowed, but Class 3 e-bikes are only allowed on these paths if a local government specifically allows them
Wisconsin Bike path access varies by jurisdiction
Wyoming Allowed on bike paths

Individual cities may enforce stricter rules than the state government when it comes to where you can ride your e-bike, so be sure to check local regulations before you start riding.[1]

E-Bike Equipment Certifications

E-bike certifications evaluate how well an electric bike and its components — especially the battery — meet established safety standards. Various organizations issue e-bike equipment certifications, and their criteria may differ.

When shopping for an e-bike, checking for safety certifications can help ensure the bike is less likely to malfunction — particularly in extreme conditions, such as heavy rain or off-road environments. Some common certifications used in the United States include:[12]

  • IP ratings: Ingress protection ratings indicate an e-bike’s ability to keep contaminants out of its electrical components. They measure dust protection on a scale from zero to six and water protection on a scale from zero to nine. For example, an e-bicycle with an IP 61 rating would provide extensive protection against intrusive dust particles but minimal protection against water damage.
  • UL ratings: UL has established two different types of ratings for electric bikes. The UL 2271 rating indicates that an e-bike has an approved lithium-ion battery that meets minimum safety standards, while the more comprehensive UL 2849 rating shows that all of the e-bike’s electrical components — including its battery, motor, charger, controller, wiring, sensor and display — work together to make the bike function safely.
  • ISO rating: The International Organization for Standardization uses the ISO 4210 certification to evaluate various aspects of the manufacturing and performance of e-bikes. This includes factors like the strength of the materials used to make the e-bike, the performance of its brakes and the effectiveness of its electrical system.

Another type of e-bike certification indicates how the product was tested, using the following categories:[12]

  • Tested: The “tested” category merely indicates that the manufacturer of an e-bike conducted internal testing on the product. It does not, however, indicate whether the e-bike passed its safety tests.
  • Compliant: “Compliant” e-bikes have not been vetted by a third-party organization, but they have at least passed the internal tests conducted by the manufacturer and meet minimum safety standards.
  • Certified: E-bikes in the “certified” category have been evaluated and approved by an external organization — such as UL — and may also undergo periodic auditing to maintain their official safety certification.

E-scooters are also becoming increasingly popular, but they may be subject to different laws and regulations than e-bikes. In the following sections, you’ll learn about some of the laws surrounding e-scooters to help you avoid unnecessary fines or penalties.

Rider Certifications

Here’s a state-by-state overview of the minimum age, driver’s license and registration requirements for electric scooter riders:[13][14]

State/District

Minimum Age

License Required

Registration Required

Alabama 14 Yes No
Alaska N/A Yes No
Arizona N/A No No
Arkansas 16 Yes No
California N/A Yes No
Colorado N/A No No
Connecticut N/A No No
Delaware 12 No No
District of Columbia 18 No No
Florida 16 No No
Georgia N/A No No
Hawaii 15 No Yes
Idaho N/A No No
Illinois 16 Yes No
Indiana N/A No No
Iowa N/A No No
Kansas N/A Yes No
Kentucky 16 No No
Louisiana N/A No No
Maine 16 Yes No
Maryland N/A No No
Massachusetts 16 Yes No
Michigan 12 No No
Minnesota 12 No No
Mississippi N/A No No
Missouri 16 Yes No
Montana N/A No No
Nebraska 18 No No
Nevada 16 No No
New Hampshire N/A No No
New Jersey N/A No No
New Mexico N/A No No
New York 16 No No
North Carolina 16 No No
North Dakota 18 No No
Ohio 16 No No
Oklahoma 14 No No
Oregon 16 No No
Pennsylvania 18 No No
Rhode Island 18 No No
South Carolina N/A No No
South Dakota N/A No No
Tennessee 16 Yes No
Texas 16 No No
Utah 16 No No
Vermont N/A No No
Virginia 14 No No
Washington 16 No No
West Virginia N/A No No
Wisconsin N/A No No
Wyoming 18 No No

Helmet Requirements

Students who ride e-scooters must keep the following statewide stipulations surrounding helmet use in mind:[13][14][15][16][17][18][19][20]

State/District

Helmet Requirement

Alabama Required for all e-scooter riders
Alaska Optional
Arizona Required for riders under the age of 18
Arkansas Required for riders under the age of 18
California Required for riders under the age of 18
Colorado Required for riders under the age of 18
Connecticut Required for riders under the age of 16
Delaware Required for riders under the age of 16
District of Columbia Optional
Florida Required for riders under the age of 16
Georgia Required for riders under the age of 16
Hawaii Required for riders under the age of 16
Idaho Optional
Illinois Optional
Indiana Optional
Iowa Optional
Kansas Optional
Kentucky Optional
Louisiana Required for riders under the age of 17
Maine Required for riders under the age of 16
Maryland Required for riders under the age of 16
Massachusetts Required for all e-scooter riders
Michigan Required for riders under the age of 19
Minnesota Required for riders under the age of 18
Mississippi Optional
Missouri Optional
Montana Required for riders under the age of 18
Nebraska Optional
Nevada Optional
New Hampshire Optional
New Jersey Required for riders under the age of 17
New Mexico Required for riders under the age of 18
New York Required for riders under the age of 18
North Carolina Optional
North Dakota Optional
Ohio Required for all e-scooter riders
Oklahoma Required for riders under the age of 18
Oregon Required for all e-scooter riders
Pennsylvania Optional
Rhode Island Required for riders under the age of 16
South Carolina Required for all e-scooter riders
South Dakota Required for riders under the age of 18
Tennessee Required for all e-scooter riders
Texas Optional
Utah Required for riders under the age of 21
Vermont Optional
Virginia Optional
Washington Optional
West Virginia Optional
Wisconsin Optional
Wyoming Optional

Where You Can Ride

E-scooters are usually allowed on bike paths, but you may need to consider the following rules when deciding whether you are allowed to ride your electric scooter in a certain area:[13][14]

State/District

Where You Can (Or Can’t) Ride

Alabama Allowed on streets with speed limits of up to 20 mph but not on sidewalks
Alaska Street access may vary by jurisdiction
Arizona Allowed on streets with speed limits of up to 20 mph but not on sidewalks
Arkansas Allowed on streets with speed limits of up to 15 mph
California Allowed on streets with speed limits of up to 15 mph but not on sidewalks
Colorado Allowed on streets with speed limits of up to 20 mph and on sidewalks
Connecticut Allowed on streets with speed limits of up to 20 mph
Delaware Not allowed on streets or sidewalks
District of Columbia Allowed on streets with speed limits of up to 10 mph and sometimes on sidewalks
Florida Allowed on streets with speed limits of up to 20 mph
Georgia Allowed on streets with speed limits of up to 20 mph
Hawaii Allowed on streets with speed limits of up to 15 mph
Idaho Allowed on streets with speed limits of up to 20 mph but not on sidewalks
Illinois Allowed on streets with speed limits of up to 20 mph
Indiana Allowed on streets with speed limits of up to 20 mph but not on sidewalks
Iowa Allowed on streets with speed limits of up to 25 mph but not on sidewalks
Kansas Not allowed on sidewalks
Kentucky Allowed on streets with speed limits of up to 20 mph but not on sidewalks
Louisiana Allowed on streets with speed limits of up to 20 mph but not on sidewalks
Maine Allowed on streets with speed limits of up to 20 mph
Maryland Allowed on streets with speed limits of up to 20 mph
Massachusetts Allowed on streets with speed limits of up to 20 mph
Michigan Allowed on streets with speed limits of up to 25 mph
Minnesota Allowed on streets with speed limits of up to 15 mph
Mississippi Street access may vary by jurisdiction
Missouri Allowed on streets with speed limits of up to 30 mph but not on sidewalks
Montana Not allowed on sidewalks
Nebraska Allowed on streets with speed limits of up to 35 mph but not on sidewalks
Nevada Allowed on streets with speed limits below 15 mph but not on sidewalks
New Hampshire Street access may vary by jurisdiction
New Jersey Allowed on streets with speed limits of up to 19 mph but not on sidewalks
New Mexico Allowed on streets with speed limits of up to 20 mph
New York Allowed on streets with speed limits of up to 15 mph but not on sidewalks
North Carolina Street access may vary by jurisdiction
North Dakota Allowed on streets with speed limits of up to 15 mph but not on sidewalks
Ohio Allowed on streets with speed limits of up to 20 mph
Oklahoma Allowed on streets with speed limits of up to 25 mph but not on sidewalks
Oregon Allowed on streets with speed limits of up to 15 mph but not on sidewalks
Pennsylvania Allowed on streets with speed limits of up to 15 mph but not on sidewalks
Rhode Island Allowed on sidewalks
South Carolina Street access may vary by jurisdiction
South Dakota Allowed on streets with speed limits of up to 15 mph but not on sidewalks
Tennessee Allowed on streets with speed limits of up to 15 mph but not on sidewalks
Texas Allowed on streets with speed limits of up to 35 mph and on sidewalks
Utah Allowed on streets with speed limits of up to 15 mph and on sidewalks
Vermont Not allowed on sidewalks
Virginia Allowed on streets with speed limits of up to 20 mph but not on sidewalks
Washington Allowed on streets with speed limits of up to 15 mph and on sidewalks
West Virginia Allowed on streets with speed limits of up to 25 mph
Wisconsin Allowed on streets with speed limits of up to 15 mph but not on sidewalks
Wyoming Allowed on streets with speed limits of up to 15 mph

Do Students Need Insurance To Ride an E-Bike?

Liability insurance is only broadly required by law for e-bike riders in New Jersey.[2] However, requirements may vary, depending on your location and circumstances. For example, if you have a high-powered electric bicycle that doesn’t fall into one of the main three e-bike classes, it may be counted as a moped or some other type of motor vehicle, and it may be subject to insurance requirements as a result.

Even if you aren’t legally required to get insurance, e-bike coverage can be a smart choice. If your bike is stolen from a rack while you’re in class, damaged in a collision or otherwise lost or destroyed, you’d be responsible for the repair or replacement cost without insurance protection. Considering e-bikes cost around $2,000 on average, insurance can offer peace of mind in case something goes wrong.[21]

What Type of Insurance Covers E-Bikes?

Your homeowners, renters or condo insurance may provide some coverage for e-bikes, depending on your insurance carrier. However, this coverage may be subject to certain restrictions, such as sublimits that aren’t high enough to cover the full replacement cost of your e-bike or exclusions for incidents that occur away from your property.[22]

For more comprehensive liability and physical damage insurance protection, you may need to purchase a separate e-bike insurance policy. For example, Velosurance offers specialized bike insurance policies that meet the minimum insurance requirements for e-bikes in New Jersey by offering up to $50,000 worth of liability coverage.[23] On average, standalone bicycle insurance costs around $250 to $300 per year.[24]

Do Students Need Insurance To Ride an E-Scooter?

For the most part, state laws don’t require electric scooter operators to carry liability insurance. However, requirements may vary on a city-by-city basis, so it’s important to review local laws before riding an e-scooter uninsured. For example, even though the state of Missouri doesn’t require e-scooter insurance, the city of Springfield does require riders to maintain coverage.[13]

Are There Fines or Penalties for Riding an E-Bike Without Insurance?

Though electric bicycle insurance is rarely required, you could face legal penalties if you break the law by riding an e-bike without sufficient coverage in New Jersey. Specifically, an e-bike rider in New Jersey could be fined as much as $50 if they are pulled over and are unable to produce a valid operator’s license, a registration certificate or proof of liability insurance coverage.[8]

What Are the Risks Associated With Riding E-Bikes?

E-bikes may pose a greater risk of severe bodily injury or death in the event of an accident because they have heavier frames and can move at higher speeds than traditional bicycles. From 2017 to 2022, there were an estimated 53,200 emergency room visits and 104 deaths resulting from e-bike accidents — equating to nearly 9,000 injuries and 20 fatalities per year.[25]

The bodily injury risks inherent in riding an e-bike may be exacerbated in states without helmet requirements, where riders who forgo critical safety gear are especially vulnerable. Additionally, electric bikes may have a higher exposure to theft because they are generally more valuable than traditional bicycles — and traditional bikes are already commonly stolen, with about 2.4 million adult-owned bikes being taken on average each year.[26]

E-Bike Safety at a Glance

  • Definition: E-bike safety refers to the precautionary measures taken to mitigate the chances of collisions or other losses while riding an electric bicycle. Crucial safety practices to remember as you prepare to go back to school include wearing a helmet, following your state’s laws, riding at an appropriate speed and being aware of your surroundings at all times.
  • Classes: Your electric bike may fall into one of three classes. Class 1 bikes can reach up to 20 mph while you pedal, Class 2 bikes can reach up to 20 mph without you pedaling and Class 3 bikes can reach up to 28 mph while you pedal.
  • Rider certifications: Most states don’t allow you to operate a Class 3 e-bike unless you are at least a certain age — potentially ranging from 12 to 16, depending on the state. A handful of states require you to have a license and/or registration, but this isn’t necessary in most cases.
  • Other regulations: State laws may also determine whether you are required to wear a helmet, where you are allowed to ride your e-bike and whether these requirements also apply when riding an e-scooter.
  • Equipment certifications: Electric bikes are often marked with safety certifications, which can let you know how resilient a bike and its parts are or whether it has passed independent safety inspections.
  • Insurance requirements: New Jersey is the only state that requires e-bike owners to purchase liability insurance. Uninsured riders could have to pay a $50 fine per violation.
  • Coverage options: Homeowners insurance may provide some coverage for e-bikes, but you’ll likely need a standalone e-bike insurance policy to secure broad protection against liability claims, physical damage, theft and injuries you incur while riding your e-bike.

How To Stay Safe While Riding an E-Bike

Despite the risks, students can safely ride an e-bike as part of their regular commute to school or for fun and recreation — as long as they remain aware of their surroundings and respect the bike’s speed and power. Here are a few e-bike safety tips to help students stay protected on the road:

  • Pay attention to traffic and your surroundings: E-bikes can travel faster than traditional pedal-operated bicycles, which may leave you with less time to react to pedestrians, drivers or road hazards. Even if you have the right of way, other people may not expect the e-bike to move as quickly as it can, so it’s crucial to remain vigilant whenever you’re riding on roads, sidewalks or trails.
  • Wear a helmet: Regardless of whether you’re legally required to wear a helmet while riding an e-bike, it’s a smart idea to do so. In the event of a bicycle collision, a helmet can reduce the risk of serious head injury by 60%.[27]
  • Be visible to drivers: Wear bright-colored clothing to ensure drivers can easily see you if you have to ride into traffic or share a lane with cars. If you bike when it is dark — like when you are riding home from extracurricular activities or after visiting friends — you should also use reflective adhesives or bike lights to help drivers and pedestrians see you from farther away.
  • Use your horn to alert others: Along with making yourself visible, you need to make yourself audible by using a small bell, a horn or your voice to let other drivers and pedestrians know when you’re nearby.
  • Look at your mirrors often: You may want to install side mirrors onto your e-bike to make it easier to quickly assess what’s behind you without turning your head around. Otherwise, you could run into cars or pedestrians that quickly move in front of you while your head is turned.
  • Use hand signals: Although electric bikes may lack turn signals or brake lights, you can still use your hands to let others in the vicinity know if you plan to turn or slow down.
  • Be mindful of your speed: While your e-bike may be able to reach assisted speeds of up to 28 mph, you need to be aware of your surroundings and lower your speed if necessary to stay safe. Always be prepared to make an emergency stop to avoid an accident that could result in serious injury or death.
  • Brake early and smoothly: Since e-bikes can travel faster and weigh more than traditional bicycles, how quickly and smoothly they can brake differs. Be sure to brake early to give yourself plenty of time to slow down safely. Also, practice braking safely without toppling your e-bike before taking it out on the road so you can get a feel for it.
  • Use caution when mounting and dismounting: E-bikes often weigh between 40 and 80 pounds, so it’s crucial to get on and off your e-bike carefully to prevent it from falling over and injuring you or someone else.[28]
  • Replace tires when they’re worn out: An e-bike’s tire treads can wear down over time, reducing the friction they can generate when stopping and potentially causing your bike to skid. Take the time to replace your tires if there are visible signs of deterioration — or after five years, regardless of their condition.[29] You also need to make sure your tires are properly inflated to lower the odds of a flat tire.

ebike safety

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Frequently Asked Questions

Are e-bikes safe?

E-bikes can pose some safety risks if you’re not careful — between 2017 and 2022, there were an estimated 53,200 emergency room visits and 104 fatal accidents involving e-bikes.[25]

Are helmets required by law when riding e-bikes?

The majority of states require helmets for at least some e-bike riders, though specific requirements may depend on your age and the type of e-bike you have.[1]

Can you get on a freeway with an e-bike?

E-bikes are only expressly allowed on freeways in Nevada.[1] In general, it’s not safe to ride an e-bike on a freeway due to its small frame and relatively low top speeds.

Can you ride e-bikes on sidewalks?

You generally can’t ride an e-bike on a sidewalk, but this may be allowed in some states, such as Arizona, Kentucky, Montana, Nebraska and North Carolina.[1]

Does car insurance cover e-bikes?

Car insurance typically doesn’t cover e-bikes. They may instead be covered by homeowners insurance or a specialized e-bike insurance policy.[22]

Sources

  1. PeopleForBikes. “State by State Electric Bike Laws.” Accessed July 20, 2026.
  2. Ebike Oracle. “July 1st E-Bike Law: What Actually Changed.” Accessed July 20, 2026.
  3. New York State Police. “New York State Police Issue Safety Reminder on Electric Bikes, Scooters, and Dirt Bike Use.” Accessed July 20, 2026.
  4. Ohio Laws. “Section 4511.522 - Ohio Revised Code.” Accessed July 20, 2026.
  5. Utah Highway Safety Office. “E-Bike Safety.” Accessed July 20, 2026.
  6. Wisconsin State Legislature. “Wisconsin Legislature: 2019 Wisconsin Act 34.” Accessed July 20, 2026.
  7. Maryland Highway Safety Office. “Micromobility in Maryland: Small Rides, Big Safety Responsibility - Zero Deaths Maryland & Vision Zero.” Accessed July 20, 2026.
  8. Ebike Oracle. “New Jersey E-Bike Laws 2026: License + Insurance.” Accessed July 20, 2026.
  9. New Mexico Legislature. “SB0369,” Pages 13-14. Accessed July 20, 2026.
  10. State of Rhode Island General Assembly. “RI Gen. Laws § 31-19.7-3.” Accessed July 20, 2026.
  11. South Dakota Legislature. “Codified Law 32-20B-14.” Accessed July 20, 2026.
  12. Electric Bike Report. “What Are the Different Types of Certifications for E-Bikes?” Accessed July 21, 2026.
  13. Unagi Scooters. “Complete Guide to U.S. Electric Scooter Laws by State 2025.” Accessed July 21, 2026.
  14. DC.gov. “Shared Micromobility.” Accessed July 21, 2026.
  15. Homewood Police. “Riding Safety Guidelines.” Accessed July 21, 2026.
  16. Colorado General Assembly. “Helmets.” Accessed July 21, 2026.
  17. College of Public Health - University of Georgia. “E-Scooter Safety Issues and Laws in Georgia Cities: A Preliminary Look.” Accessed July 21, 2026.
  18. Montana Legislature. “CH0693,” Page 23. Accessed July 21, 2026.
  19. New Mexico Brain Injury Advisory Council. “Bicycle Helmet Distribution.” Accessed July 21, 2026.
  20. Brookings County, SD. “Definitions-Scooter Law,” Page 2. Accessed July 21, 2026.
  21. REI Expert Advice. “How Much Do Electric Bikes Cost?” Accessed July 21, 2026.
  22. Allstate. “What’s E-Bike Insurance and Do You Need It?” Accessed July 22, 2026.
  23. Velosurance. “Bicycle and E-Bike Liability Insurance.” Accessed July 22, 2026.
  24. USAA. “Insuring Your Bicycle or E-Bike.” Accessed July 22, 2026.
  25. United States Consumer Product Safety Commission. “Micromobility Products-Related Deaths, Injuries, and Hazard Patterns: 2017–2022,” Pages 5-6. Accessed July 22, 2026.
  26. Transport Findings. “Bicycle Theft in the US: Magnitude and Equity Impacts | Published in Findings.” Accessed July 22, 2026.
  27. Accident Analysis & Prevention. “Bicycle Helmets - To Wear or Not To Wear? A Meta-Analyses of the Effects of Bicycle Helmets on Injuries.” Accessed July 22, 2026.
  28. Magnum Bikes Online. “How Much Do E-Bikes Weigh?” Accessed July 22, 2026.
  29. HappyRunSports. “Electric Bike Tires: A Guide to Lifespan, Care and Replacement.” Accessed July 22, 2026.

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