Motorcycle Insurance in Maine

There’s nothing quite like riding through Maine’s winding coastal roads, scenic byways, and rugged backcountry. Whether you’re cruising along Route 1 in Portland with ocean views or taking in the foliage near Bangor, your motorcycle is more than just transportation—it’s your ticket to adventure. With motorcycle insurance from GEICO, you can ride confidently knowing you’re covered with reliable protection and affordable rates.

Is Motorcycle Insurance Required in Maine?

Motorcycle insurance is required by law to operate a motorcycle in Maine. You’ll need to show proof of insurance when registering your motorcycle, so coverage isn’t optional if you want to hit the road. Riding without insurance can lead to serious consequences, including fines, license suspension, and possible registration revocation. Staying insured keeps you compliant with Maine law and protects you financially if an accident happens.

Minimum Motorcycle Insurance Coverage Requirements in Maine

Like many other states, Maine requires bikers to carry a minimum amount of liability insurance to protect themselves and others on the road.

Coverage Type What It Covers Maine Minimum Limits
Bodily Injury Liability Injuries you cause to others in an accident $50,000 per person / $100,000 per accident
Property Damage Liability Property damage you cause in an accident $25,000 per accident
Uninsured/Underinsured Motorist Injuries if the at-fault driver is uninsured or underinsured $50,000 per person / $100,000 per accident
Statutory Towing and Storage Covers the costs of moving and storing your bike after an accident or breakdown $500
Medical Payments (MedPay) coverage helps pay for necessary medical expenses for you and your passengers after an accident $2,000 per person

Optional Motorcycle Insurance Coverages in Maine

State-mandated coverage is a great place to start, but it doesn’t address every situation you might face on or off the road. Many bikers choose to add coverages like the following to their Maine motorcycle insurance for additional protection:

  • Collision Coverage: Helps pay for repairs to your motorcycle if it’s damaged in an accident with another vehicle or object, regardless of fault.
  • Comprehensive Coverage: Protects against non-collision losses, such as theft, fire, vandalism, or storm damage.
  • Emergency Roadside Service: Provides help if you’re stranded due to a flat tire, dead battery, or breakdown.
  • Custom Parts or Equipment Coverage: Protects custom upgrades and aftermarket equipment on your bike up to $2,000.

How Much Does Maine Motorcycle Insurance Cost?

The price of motorcycle insurance in Maine depends on several personal factors unique to you and your ride. Your driving and riding history, type of motorcycle, and even where you live in the state can all influence your rate. For example, a rider with a clean record on a touring bike in a rural area like Presque Isle may pay differently than a new rider on a sport bike on the busy streets of Lewiston. Other factors, such as your coverage limits, deductible choices, and how you store your motorcycle, can also affect your premium. GEICO offers affordable motorcycle insurance and motorcycle insurance payment plans to help Maine bikers get the coverage they deserve without breaking the bank.

Discounts on Maine Motorcycle Insurance

Looking for ways to save on coverage? Maine riders can access many motorcycle insurance discounts and savings opportunities through GEICO, including:

  • Motorcycle policy transfer: Earn a discount when you transfer your motorcycle insurance to GEICO®.
  • Multiple motorcycles: Lower your premium by insuring multiple motorcycles with GEICO.
  • Mature riders: Get rewarded for years of experience driving a motorcycle.
  • Insurance renewal: You may be eligible for a discount when you renew your motorcycle insurance with GEICO.
  • Safety course: Pick up safe driving tips and reduced rates for completing a Motorcycle Safety Foundation Course.
  • Instructors: Current Motorcycle Safety Foundation instructors may qualify for a discount on coverage.

Why Choose GEICO for Maine Motorcycle Insurance?

GEICO is trusted by thousands of riders nationwide, and for good reason: we make protecting your motorcycle simple, reliable, and affordable. From cruisers and touring bikes to sport bikes and beyond, GEICO offers coverage for a wide range of motorcycles so you can find the protection that fits your ride. Our fast and straightforward claims process helps get you back on the road quickly, with support you can count on when you need it most.

GEICO’s digital tools make managing your policy easier than ever. With the GEICO Mobile app, you can access your ID cards, pay bills, file claims, and even request roadside assistance right from your phone.

Get a Free Maine Motorcycle Insurance Quote

Ready to protect your ride in the Pine Tree State? Get a fast, free Maine motorcycle insurance quote online, or contact us for tailored guidance you can trust. Have more questions? Visit our Motorcycle Insurance FAQs page!

Motorcycle Insurance in Maine FAQs

  • Can I bundle motorcycle and auto insurance in Maine?

    Yes, you can bundle your motorcycle and auto insurance in Maine through GEICO. Doing so simplifies policy management and may unlock a multi-policy discount.

  • Does Maine have a helmet law for motorcycle riders?

    Yes, Maine requires helmets for riders and passengers under 18, anyone operating with a learner’s permit, and those who have been licensed for less than a year. While helmets may not be required for every rider, GEICO strongly recommends wearing one to stay safe on the road. We offer $1,000 for helmet replacement on every motorcycle insurance policy.

  • Do I need a motorcycle license or endorsement in Maine?

    Yes, you need a motorcycle endorsement on your driver’s license to operate a motorcycle in Maine. This typically requires passing both a written test and a road skills exam, though completing an approved rider education course can also meet some of the requirements.

  • Does taking a motorcycle safety course lower my insurance in Maine?

    Taking a motorcycle safety course can lower your insurance premium in Maine. It also teaches you safe driving habits so you’re prepared for whatever the road brings.