Why choose Letrigo?

USAA

Coverage Highlights: Crash damage, theft, injury coverage, starting around $100/year. 

Why It’s Trustworthy: Serving military members and families, USAA provides high-quality service, competitive rates, and policies underwritten by Markel American Insurance Company.

Related: Best Electric Bike Insurance Companies in the U.S.

A mother takes her daughter on an outing in a Letrigo minivan SE

How to Choose the Right E-Bike Insurance

Choosing the right insurance for your electric bike involves understanding your bike’s value, how you use it, and what risks you want to cover. Here are some clear steps and factors to guide your decision:

Assess Your E-Bike’s Value and Usage

Start by determining how much your e-bike is worth, including any upgrades or accessories like batteries, custom wheels, or racks. High-end e-bikes costing $1,500 or more typically require specialized insurance to cover full replacement value. Consider how often and where you ride—daily commuters in urban areas should prioritize liability and theft coverage, while recreational riders might focus more on theft and accidental damage protection.