Colorado E-bike Insurance from $9 a Month
Theft, crash damage, and liability coverage for Class 1, Class 2, and Class 3 e-bikes, from Velosurance, based in Colorado Springs.
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What Colorado E-bike Insurance Covers
The policy is all-risk, meaning anything not specifically excluded is covered. The bike is insured at stated value with no depreciation, so a total loss pays the value you insured it for, subject to the deductible. Class 1, Class 2, and Class 3 e-bikes are covered like any other bicycle.
Theft
At home with signs of forcible entry, or away from home locked to an immovable object with an appropriate security device, subject to the policy's locking conditions.
Core policyCrash and accidental damage
A crash on the road or the trail, a drop in the garage, a cracked carbon frame. Fault does not affect the claim.
Core policyTransit loss or damage
On a car rack, in a pickup bed, checked with an airline, or shipped by courier. Airline liability for sporting equipment is thin; this is not.
Core policyLiability
Pays to defend a covered lawsuit and pays covered settlements or judgments if you injure someone or damage their property. Limits from $25,000 to $500,000.
Optional, elect before the accidentMedical gap
Reimburses your out-of-pocket medical costs, such as the deductible, copays, and co-insurance, after your health plan pays its share.
Optional, elect before the accidentUninsured motorist
Covers losses beyond medical bills, such as lost wages, when the driver who hit you cannot pay.
Optional, elect before the accidentAlso available: racing coverage for competitive use, with entry fee reimbursement up to $500, and worldwide coverage as an add-on to an active policy. Commercial use, such as delivery or courier work, suspends coverage; cosmetic damage and wear and tear are excluded.
Colorado E-bike Law at a Glance
Colorado treats e-bikes as bicycles, hands buyers a $225 discount at the register, and asks for no license, registration, or insurance. The three-class framework comes from Colorado HB17-1151; Colorado HB25-1197 added battery certification, an out-of-class exclusion, and a false-labeling ban in 2025.
Driver license
Not requiredE-bikes are carved out of the motor vehicle definition (CRS 42-1-102).
Registration
Not requiredNo plates for a 750-watt, three-class e-bike.
Insurance
Not requiredMandatory auto insurance stops short of e-bikes; the choice is yours.
Minimum age
16 for Class 3Under-16s may not operate a Class 3 but may ride as passengers (CRS 42-4-1412); no floor for Class 1 or Class 2.
Helmet
Under 18 on Class 3Class 3 operators and passengers under 18 wear a CPSC- or ASTM-certified helmet (CRS 42-4-1412); no statewide rule for Class 1 or Class 2.
Why Colorado Riders Insure Their E-bikes
Colorado pays you to buy one and then walks away. A $225 point-of-sale discount on a qualified e-bike, then no license, no registration, and no insurance for any class. The bike you just saved on is yours to protect.
Trailheads are theft hotspots. Away from home the bike must be locked to an immovable object with an appropriate security device, subject to the policy's locking conditions. A Class 1 e-mountain bike stolen off a rack at the trailhead pays at the value you insured it for.
We ride here too. Velosurance is headquartered in Colorado Springs, a short ride from Garden of the Gods. The policy covers crash damage on singletrack and pavement alike, subject to the deductible, and racing coverage can be elected for enduro and gran fondo season.
Latest Colorado E-bike News
Law changes, rebates, and enforcement that affect Colorado riders, summarized in our words with a link to the original report.
Attorney General warns buyers about high-powered machines sold as e-bikes (opens Colorado Attorney General in a new tab)
The advisory restates the Colorado HB25-1197 rules: a bike that can be switched past its class limits is not an e-bike, and labeling it as one is a deceptive trade practice.
Colorado relaunches its $1,000 e-bike rebate lottery, registration from August 24 (opens The Colorado Sun in a new tab)
About 2,800 vouchers worth $1,000 each are on offer after the first program spent its money between 2023 and 2025. Households at or below 80 percent of area median income qualify.
Statewide e-bike rebate returns at the end of August (opens Colorado Public Radio in a new tab)
The Colorado Energy Office put $3 million from the Community Access Enterprise into the relaunch, with application windows in August, October, January, and March.
Energy Office: $1,000 rebates, plus $300 for cargo and adaptive e-bikes (opens Colorado Energy Office in a new tab)
The rebate stacks on top of the $225 point-of-sale discount every Coloradan gets through the state e-bike tax credit, but may not combine with city vouchers such as Denver's on the same bike.
Riding in Colorado: Laws, Destinations, Season
What are the e-bike laws in Colorado?
Colorado classes e-bikes as bicycles rather than motor vehicles, so Class 1, Class 2, and Class 3 ride with no license, registration, or insurance. The three classes date to Colorado HB17-1151, and Colorado HB25-1197 added lithium-ion battery certification, an exclusion for bikes built to switch out of class, and a ban on false labeling, effective August 6, 2025.
Does Colorado really pay you to buy an e-bike?
Yes, twice over in 2026: every Coloradan gets a $225 discount at the register through the state tax credit, and the Colorado Energy Office relaunched its income-qualified rebate in August 2026 with $3 million, worth $1,000 toward an e-bike plus $300 more for a cargo or adaptive model, through lottery windows in August, October, January, and March. One thing to watch: a bike built to be easily switched past its class limits is not an e-bike under Colorado HB25-1197, and selling it as one is a deceptive trade practice.
Who has to wear a helmet on an e-bike in Colorado?
Adults on Class 1 (pedal assist to 20 mph) and Class 2 (assist with or without pedaling to 20 mph) ride without a state helmet rule. Class 3 (pedal assist to 28 mph) is different: operators and passengers under 18 wear a CPSC- or ASTM-certified helmet (CRS 42-4-1412), and riders under 16 may not operate a Class 3 at all, though they may be passengers.
Where can I ride a Class 1, Class 2, or Class 3 e-bike in Colorado?
Every class has full bicycle rights on roads and bike lanes (CRS 42-4-1412). Class 1 and Class 2 may use bike and pedestrian paths wherever bicycles are authorized, with a local opt-out, and Colorado Parks and Wildlife opens its multi-use trails to them; Class 3 is limited to paths that run within a street or that a local authority approves, and to park roads and bike lanes in state parks. Sidewalks are open with pedestrian duties unless a city says otherwise, and Denver and several others do.