Pedelecs, i.e. e-bikes that reach speeds of up to 25 km/h, are legally regarded as bicycles and do not require insurance. These can sometimes be covered by household insurance. S-pedelecs, i.e. e-bikes that are capable of speeds of up to 45 km/h and autonomously driving e-bikes (e.g. with thumb gas), are considered motor vehicles and would therefore need to comply with standard road procedures depending on your state or territory.