Maine Motorcycle Insurance
Get a full analysis of Maine motorcycle insurance costs, coverage, and companies.
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.
Find the Best Motorcycle Insurance Options in Maine
Owning a motorcycle provides immeasurable fun and excitement, but it also comes with many responsibilities. Motorcycle owners in Maine need protection from a wide range of potential property and liability risks in both urban and rural areas.
A local independent insurance agent can help you find the best motorcycle insurance in Maine for your needs and budget. These agents can answer your questions and help you compare free quotes from multiple insurance companies.
Best Motorcycle Insurance Companies in Maine
The following are some of the best motorcycle insurance companies in Maine. They are highly rated for their mix of valuable coverage offerings and competitive pricing.
- Progressive: Progressive is based in Ohio but offers motorcycle insurance across all 50 states, including Maine. Maine residents can look to Progressive for most of their personal insurance needs.
- Foremost Insurance Company: Foremost was founded in 1952 and offers a wide range of coverage, including motorcycle insurance, in all 50 states.
- Safety Insurance: Since its founding in 1979, Safety Insurance has partnered with independent insurance agents to provide the best possible insurance products at a competitive price. The carrier is one of the leading providers of property and casualty insurance, including motorcycle insurance, in Massachusetts, New Hampshire, and Maine.
An independent insurance agent in your area can help you learn more about these and other Maine motorcycle insurance companies. A local agent can help you get competitive quotes for the coverage that fits your needs.
Better Motorcycle Insurance
Our independent agents shop around to find you the best coverage.
Is Motorcycle Insurance Required in Maine?
There are over 51,000 motorcycles registered in Maine. If you’re one of these bike owners, you must have motorcycle insurance. It's required by law in Maine in the same way that car insurance is required for all motor vehicles.
You'll need the following coverage at a minimum:
- Bodily injury liability coverage: $50,000 per person/$100,000 per accident
- Property damage liability coverage: $25,000 per accident
- Medical payments coverage: $2,000
- Uninsured/underinsured motorist coverage: $50,000 per person/$100,000 per accident
Bodily injury liability insurance covers you if you are at fault in an accident and someone other than yourself is injured. Property damage liability insurance covers damage to another person's vehicle or property in an accident that is your fault.
Medical payments coverage reimburses medical expenses incurred by you and your passengers regardless of who's at fault for an accident. Uninsured/underinsured motorist coverage protects you and your passengers if the other driver responsible for the accident has no insurance, or has insurance that is insufficient to cover your claims.
Although liability coverage is mandatory, it’s a good idea to carry higher liability coverage limits and additional coverage options that extend to you and your motorcycle.
Your independent insurance agent can help you learn more about the requirements for motorcycle insurance in Maine.
What Does Motorcycle Insurance Cover in Maine?
We know that all motorcycle insurance policies in Maine must include a certain amount of motorcycle liability coverage, as well as medical payments coverage and uninsured motorist coverage. Other than increasing your liability limits to ensure you can appropriately compensate other parties if you cause an accident, it's a good idea to protect your motorcycle against theft and damage.
These are the additional types of motorcycle insurance coverage that you may want to consider to better protect your investment in your bike:
- Collision coverage: Protects your motorcycle if it is damaged in a collision
- Comprehensive coverage: Covers your bike in the event of a non-collision incident, such as theft, vandalism, hail, and more
Other optional motorcycle coverage includes loan/lease coverage, motorcycle gap insurance, guest passenger liability, towing and labor (or roadside assistance), and rental reimbursement coverage.
You might also need additional coverage if your bike has custom parts and accessories. Most basic motorcycle policies will only cover factory-standard parts.
A local independent insurance agent can help you decide which types of Maine motorcycle insurance coverage are right for you.
What Does Motorcycle Insurance Cost in Maine?
The average annual cost of motorcycle insurance in Maine is around $492. However, your premiums may be higher or lower than average, depending on certain risk factors and the types of coverage that you purchase.
A policy with more robust coverage and higher coverage limits will cost more than one that covers the bare minimum.
What’s more, insurance companies will consider your age and driving record, your credit score, where you live and travel, whether you ride year-round or just seasonally, the make and model of your motorcycle, and any custom components you have added to your bike.
A more expensive bike or a riskier riding profile will likely result in more costly motorcycle insurance. By getting multiple quotes for motorcycle insurance in Maine, you can find the policy that offers the best protection for your budget. An independent insurance agent can help.
How to Find the Best Motorcycle Insurance Quote in Maine
Instead of getting an online quote for Maine motorcycle insurance, find an independent insurance agent now and get one-on-one consultation and affordable options for the best coverage for your unique needs. Your agent will work with you free of charge, offering you a variety of options so you can make the best choice.
What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.
Better Motorcycle Insurance
Our independent agents shop around to find you the best coverage.
Maine Motorcycle Insurance FAQs
Motorcycle insurance helps you pay for property damage and medical costs if you cause an accident while driving your motorcycle or if your bike is stolen or damaged in another way.
That alone is reason enough to purchase motorcycle insurance. If you cause an accident and don’t have coverage, you’d still be required to pay for any injuries you caused or other vehicles or property that you damaged. If you’re sued, the cost to defend yourself alone is likely insurmountable, and that’s before any financial settlements or court-ordered judgments you could be required to pay.
Aside from protecting your own assets and being able to help people who you’ve harmed, motorcycle insurance is necessary because most states require motorcycle owners to purchase a minimum amount of liability insurance or face fines or other consequences.
Yes, motorcycle insurance is required by law in Maine in the same way that car insurance is required for all motor vehicles.
Motorcycles registered to operate in Maine must pass an annual safety inspection and make the inspection sticker visible from the bike’s rear.
All motorcycle insurance policies in Maine contain the minimum amount of motorcycle liability insurance. In addition, Maine requires all motor vehicles registered in the state, including motorcycles, to be covered by medical payments coverage and uninsured/underinsured motorist coverage.
You can also add comprehensive coverage, collision coverage, and a variety of other coverage options that help you protect your investment in your bike.
You'll need the following coverage at a minimum:
- Bodily injury liability coverage: $50,000 per person/$100,000 per accident
- Property damage liability coverage: $25,000 per accident
- Medical payments coverage: $2,000
- Uninsured/underinsured motorist coverage: $50,000 per person/$100,000 per accident
Bodily injury liability insurance covers you if you are at fault in an accident and someone other than yourself is injured. Property damage liability insurance covers damage to another person's vehicle or property in an accident that is your fault.
Medical payments coverage reimburses medical expenses incurred by you and your passengers regardless of who's at fault for an accident. Uninsured/underinsured motorist coverage protects you and your passengers if the other driver responsible for the accident has no insurance or is insufficient to cover your claims.
The average annual cost of motorcycle insurance in Maine is $492. Motorcycle insurance premiums vary based on a variety of factors, including:
- Your age and driving record
- Your credit score
- Where you live
- Your motorcycle’s make, model, and horsepower
- Whether your motorcycle has any custom components
- The age of your motorcycle
- How many miles you drive your motorcycle in a given year
- Where you typically drive your motorcycle
- Where you store your motorcycle when it is not in use
Discounts might be available for those with more than one motorcycle, or those who belong to a motorcycle organization. Your experience riding a motorcycle and graduating from a safety course can give you immediate discounts. In addition, many insurance companies offer mature rider discounts.
Foremost, Progressive, and Safety Insurance are some of the best motorcycle insurance companies in Maine. They are highly rated for offering broad coverage, top-notch customer service, and a variety of affordable options.
There is no such thing as a one-size-fits-all motorcycle insurance policy. Comparison shopping is the best way to make sure you're getting the best coverage for your needs.
A local independent insurance agent can help you find a competitively priced Maine motorcycle insurance policy that meets your state’s coverage requirements. Contact an agent in your area to begin comparing customized quotes.
https://www.maine.gov/dps/msp/investigation-traffic/crash-investigations/mv-inspections
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