Geared Hub Motors – Most pre-built e-bikes use brushless geared hub motors. These motors have internal planetary gears that help transfer power from the motor to the wheel. Because of the internal gearing, these motors provide excellent torque but are limited in top speed. On the plus side, the improved torque means better take-off power and hill climbing ability. Plus, less wattage is required to get the motor turning and they’re typically small and lightweight. On pre-built e-bikes, these motors range from 200w-500w and go up to 20mph. But some aftermarket kits can be as powerful as 1000w, with increased top speeds and huge amounts of torque (ideal for extremely hilly terrain). Besides lower top speeds, these motors tend to be expensive and it’s possible the gears will eventually wear out and need to be replaced (this is highly unlikely, they las quite a long time). Good examples are Ancheer bikes.
I have been able to find ebikes of all speeds out in the wild and after years of riding and a reflective posture for the law, I see that lawmakers were thinking less about me and my practical wants as the user, and more about the mass motor vehicle driving public, their perceptions and expectations of ‘typical bicycle speeds’ on the roads and paths. So the laws were made to bicycle NORMS, not the potential performance limits for users.
The U.S. Consumer Product Safety Act states that electric bicycles and tricycles meeting the definition of low-speed electric bicycles will be considered consumer products. The Consumer Product Safety Commission (CPSC) has regulatory authority to assure, through guidelines and standards, that the public will be protected from unreasonable risks of injury or death associated with the use of electric bicycles.[61][62]

E-bikes are typically offered in 24V, 36V and 48V configurations. Higher voltage generally means higher top speed – but that may not always be the case. Since the efficiency of a motor and drive system can have an effect on power and speed, a 24V setup could have the same top speed as a 36V setup. Generally you can expect 15-18 mph on a 24v setup, 16-20 mph on a 36V setup and 24-28 mph on a 48V setup. Although it far exceeds Federal laws, some conversion kits can even be run at 72V for speeds of 35+ mph! However, this puts significant stress on bicycle components. Consider that even the fastest athletes only travel 17-18 mph on a conventional bicycle, so 20 mph feels very fast to most riders. Anything over this speed can be unsafe and exceeds law regulations. 

Choose a 36- or 48-volt battery with a capacity of 10Ah or 20Ah. Choose a battery designed for use on an electric bicycle, as it will come with a charger and be much easier to install. Make sure the voltage and capacity of the battery you choose is compatible with the conversion kit you purchased. The higher the voltage of your bike's battery, the more powerful your bike will be. When building an electric bike, choose a 36- or 48-volt battery to allow for speed and comfort.[5]
Further innovations increased comfort and ushered in a second bicycle craze, the 1890s Golden Age of Bicycles. In 1888, Scotsman John Boyd Dunlop introduced the first practical pneumatic tire, which soon became universal. Willie Hume demonstrated the supremacy of Dunlop's tyres in 1889, winning the tyre's first-ever races in Ireland and then England.[28][29] Soon after, the rear freewheel was developed, enabling the rider to coast. This refinement led to the 1890s invention[30] of coaster brakes. Dérailleur gears and hand-operated Bowden cable-pull brakes were also developed during these years, but were only slowly adopted by casual riders.
Hi Levi, I’m not super familiar with Minnesota or the age limits on ebikes but Pedego just launched one specifically for younger riders (it goes a little slower). Many ebikes let you program a top speed and I feel like this is one area where you can decide as a parent. When I was 13 I had a moped and fixed up a goped with my Grandpa on his farm so… I guess it might be a family decision?
"Electric-assisted bicycle" means a bicycle with two or three wheels, a saddle, fully operative pedals for human propulsion, and an electric motor. The electric-assisted bicycle's electric motor must have a power output of no more than one thousand watts, be incapable of propelling the device at a speed of more than twenty miles per hour on level ground, and be incapable of further increasing the speed of the device when human power alone is used to propel the device beyond twenty miles per hour.[66]
Electric bikes are becoming a convenient and fun way to commute around a city, but they can be pricey. The average e-bike can cost $3,000, with some models getting up to $5,000 or more. But these prices are dropping, as new models come onto the market — and if you don’t mind giving up some of the glossier, high-tech features like embedded digital displays, retractable cable locks, and and theft tracking and recovery, you can find a really good quality e-bike for under $1,500.