What You Need to Know About New Jersey’s New E-Bike Law
The popularity of e-bikes and e-scooters has exploded in recent years, so it's not surprising that government officials are considering ways to regulate them and manage liability concerns. Here in New Jersey, a new law requires licensing, registration, and insurance coverage for motorized bicycles that go over 20 mph starting in July 2026.
Michael Fusco, an attorney with personal injury law firm Levinson Axelrod, has been discussing the changes and how the marketplace is responding to them. He isn't aware of any insurance providers that offer liability insurance that meets the legal requirements, but he expects such specialized policies to be forthcoming.
Levinson Axelrod has a long history with personal injury and motor vehicle accident law, so their attorneys' first priority is ensuring riders are safe and operate within the law. Here's a closer look at what is now required:
- To operate an e-bike or e-scooter that goes more than 20 mph after July 19, 2026, people in New Jersey need to have a helmet, insurance, registration, and the appropriate license. Those 17 and older can use a regular driver's license, while 15-year-olds and 16-year-olds can apply for an e-bike license.
- Riders 17 and older can apply for an e-bike license if they do not have a New Jersey driver's license, so long as their regular driver's license is not suspended or revoked.
- Check the New Jersey Motor Vehicle Commission's website for details on obtaining an e-bike license and registration. Please note that there are testing and practice period requirements for an e-bike license, and you need to show proof of insurance and ownership for registration.
- Low-speed e-bikes (under 21 mph) do not require liability insurance coverage, but they do require a license and registration. An exception is low-speed e-bikes available for commercial rentals; those can be operated without a license so long as the operator is at least 16.
Fusco, of Levinson Axelrod, encourages riders not to use their e-bikes after July 19 if they don't meet all the new requirements. Doing so could result in a ticket and put you at financial risk if you're in an accident.
For years, Levinson Axelrod has been offering free vehicle insurance policy reviews to help drivers ensure they are paying for the coverage they need (and no extras). If the new e-bike requirements feel like a natural time to review all your coverage, you can learn more about this free review here.
