New Jersey Enacts Licensing and Insurance Requirements for E-Bikes After Fatal Crashes

The legislation, signed into law on Monday, establishes licensing, registration, and insurance mandates for all electric bicycles in the state.

Published on January 21, 2026

e-bikes
Public bicycle system, Boy, Day, Smiling, Childhood

New Jersey has enacted new statewide requirements for the ownership and operation of electric bikes following a rise in serious and fatal e-bike crashes. The legislation, signed into law on Monday, establishes licensing, registration, and insurance mandates for all electric bicycles in the state.

Former Gov. Phil Murphy signed the bill as one of his final acts in office. The law applies to all types of electric bikes and introduces age, licensing, and insurance standards that had not previously existed for this category of vehicles.

Licensing and Age Requirements

Under the new law, e-bike owners and operators must meet minimum age and licensing criteria. Individuals must be at least 17 years old and hold a valid driver’s license to operate an e-bike. Alternatively, riders at least 15 years old may operate an e-bike if they hold a motorized bicycle license.

These requirements apply universally across all classifications of electric bicycles covered by the legislation.

Mandatory Registration and Insurance

In addition to licensing, the law requires e-bike owners and operators to register their vehicles and carry insurance. Lawmakers designed these provisions to address both safety concerns and financial protection for individuals injured in e-bike-related crashes.

Senate President Nick Scutari, a co-sponsor of the bill, emphasized the intent behind the new standards. In a statement, Scutari said the increase in e-bike use has created the need for updated safety measures. He noted that registration and licensing aim to improve safe operation, while insurance coverage is intended to protect those injured in accidents.

Background of Increased E-Bike Crashes

The legislation follows a documented rise in crashes involving e-bikes across New Jersey, including multiple fatal incidents involving young riders in 2025.

In September, two teenagers riding an e-bike died in a crash in Cranford, New Jersey. Earlier in the summer, a 14-year-old rider died in Somers Point. These incidents contributed to growing calls from local officials and legislators for tighter regulation of e-bike use.

Reaction From Local Officials

Ocean City Mayor Jay Gillian, who has publicly advocated for stricter e-bike regulations, welcomed the passage of the law. In a statement posted online, Gillian acknowledged the added administrative requirements but said the benefits outweigh the inconvenience of new registration standards.

His comments reflect broader concerns among local leaders regarding safety and oversight as e-bike usage increases in coastal and residential communities.

Implementation Timeline and Fee Waivers

To ease the transition, the law includes temporary accommodations for e-bike owners and operators. Registration and licensing fees for e-bikes will be waived for one year. Additionally, riders will have six months from the law’s effective date to obtain the required registration, insurance, and license.

This phased implementation provides time for riders, insurers, and regulatory agencies to adjust to the new requirements.

Stay informed and ahead of the curve — explore more industry insights and program opportunities at ProgramBusiness.com.

Are you a retail Agent Looking for a Quote?