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