- Motorcycle Insurance Maine : Rating Factors
- Does Maine require motorcycle insurance?
- Motorcycle Insurance Maine: State Requirements
- Liability insurance in Maine
- Motorcycle Insurance Maine: How to Get a Motorcycle License
- Motorcycle Insurance Maine: Which Companies Can Offer It?
- Motorcycle Insurance Maine: Laws You Need to Know
- Motorcycle Insurance Discounts
- Cheapest motorcycle rates in Maine
- Motorcycle Insurance Maine: Coverage Options
- Motorcycle Insurance Maine: Safety Tips
- INSURANCE SERVICES WE OFFER
- Frequently Asked Questions About Motorcycle Insurance in Maine
- Motorcycle Insurance in Maine
Motorcycle Insurance Maine : Rating Factors
Rating factors are used to help determine the premium for Motorcycle Insurance Maine based on the bike, driver, and coverages.
One of the biggest factors used for determining premium is the type of bike (year, make, model). The bigger the engine, extra accessories, or if it is custom built, the bike may cost more to insure.
The type of driver or rider is also used to determine the premium based on the driver’s history and experience. A driver with more years of experience operating a Motorcycle and who has no violations or accidents on their record will see cheaper insurance prices because they are considered to be safer drivers.
Lastly, the type of coverage desired will be used to determine a premium. Liability coverage is generally cheaper than full coverage on a bike. All of these factors are kept in mind when Insurance companies are calculating the premium for your Motorcycle Insurance.
| Motorcycle Insurance Maine: Rating Factors |
|---|
| education level |
| riding frequency |
| rider age |
| marital status |
| rider experience |
| location |
| coverages |
| Type of bike (engine size |
| year make model) |
| occupation. Credit |
Does Maine require motorcycle insurance?
In Maine, motorcycle insurance is indeed mandatory. Whether you ride a Harley-Davidson through Portland or cruise along the coastal highways, having adequate coverage is essential. The state requires liability insurance to protect against bodily injury and property damage in case of an accident. Typically, the minimum liability coverage includes:
- Bodily injury liability per person: $50,000
- Bodily injury liability per accident: $100,000
- Property damage liability: $25,000
However, it’s wise to consider additional coverage options like uninsured motorist and comprehensive coverage to safeguard yourself and your bike comprehensively.
List of Coverage Options:
- Uninsured motorist coverage
- Comprehensive coverage
So, before hitting the scenic routes of Maine, ensure your motorcycle insurance meets the state’s requirements and provides adequate protection for your rides.
Motorcycle Insurance Maine: State Requirements
| State | Liability Required | Personal Injury Protection? |
|---|---|---|
| Maine | 50/100/25 | N/A |
Each State requires you to carry at least Liability coverage while operating any Motorcycle or Automobile on the road.
Your liability will protect others from you in the event of an accident that you should be found “At Fault” or liable for.
Of course, you can add additional coverages to protect yourself and your motorcycle in an accident, but those coverages are not required by law.
In Maine, the minimum liability limits you must carry are $50,000 per person/$100,000 per accident for bodily injury, and $25,000 for property damage.
Many people only carry the State required limits, but it is very important to match your liability limits to your assets so that you are properly covered in an accident.
Not sure what limits are appropriate for you? Contact one of our agents at A Plus Insurance for advice!
Liability insurance in Maine
In what instance should you only carry Liability Insurance on your Motorcycle?
Coverage options are completely up to the customer. One may choose to only insure their bike for liability if the bike is older, and may not have a high value. If you are paying full coverage on an older bike, you may end up paying more in insurance than what the bike is worth.
Liability coverage will most likely be cheaper than paying for full coverage on your bike, so it is up to the customer what they are comfortable with and what they can afford.
You can add additional coverages on your liability insurance, like roadside/trip interruption and Accessory coverage, which is still considered liability only.
Not sure what Motorcycle Insurance coverage you may need? Contact our agents for a free Motorcycle Insurance quote today!
| City in Maine | Avg. Monthly Rates |
|---|---|
| Augusta | $103.00 |
| Brunswick | $109.00 |
| Winthrop | $104.00 |
| Harpswell | $132.00 |
| Bath | $128.00 |
| Farmington | $100.00 |
| Freeport | $100.00 |
| Berwick | $116.00 |
| Brewer | $131.00 |
| Scarborough | $108.00 |
| Falmouth | $96.00 |
| Caribou | $97.00 |
| Paris | $135.00 |
| South Portland | $115.00 |
| Kennebunk | $129.00 |
| Waterboro | $123.00 |
| Oakland | $107.00 |
| Houlton | $121.00 |
| Hollis | $125.00 |
| Kittery | $108.00 |
| Norway | $104.00 |
| Fairfield | $135.00 |
| Cape Elizabeth | $118.00 |
| South Berwick | $120.00 |
| Auburn | $133.00 |
| Yarmouth | $100.00 |
| Lewiston | $133.00 |
| Sanford | $97.00 |
| Raymond | $108.00 |
| Eliot | $131.00 |
| Gorham | $121.00 |
| Waterville | $117.00 |
| Bangor | $121.00 |
| Rumford | $107.00 |
| Sabattus | $113.00 |
| Cumberland | $104.00 |
| Buxton | $120.00 |
| Portland | $112.00 |
| Glenburn | $126.00 |
| Rockland | $115.00 |
| Warren | $115.00 |
| Old Town | $97.00 |
| North Berwick | $128.00 |
| Skowhegan | $125.00 |
| Belfast | $117.00 |
| New Gloucester | $98.00 |
| Wells | $111.00 |
| Winslow | $126.00 |
| Bridgton | $130.00 |
| Biddeford | $120.00 |
| Hampden | $121.00 |
| Hermon | $100.00 |
| Lincoln town | $100.00 |
| York | $128.00 |
| Waldoboro | $120.00 |
| Poland | $113.00 |
| Old Orchard Beach | $100.00 |
| Topsham | $118.00 |
| Jay | $100.00 |
| Gray | $125.00 |
| Turner | $132.00 |
| Standish | $105.00 |
| Saco | $119.00 |
| Madison | $133.00 |
| Gardiner | $113.00 |
| Presque Isle | $114.00 |
| Bucksport | $124.00 |
| Ellsworth | $127.00 |
Motorcycle Insurance Maine: How to Get a Motorcycle License
Obtaining a Motorcycle License in Maine consists of a couple of steps, just like obtaining a Driver’s License.
- Per law, you must complete a hands-on rider education program in order to pursue your license, this process will also require a vision test.
- If you are at least 16 years of age, but less than 18 years you must complete a basic driver education course before enrolling in your motorcycle safety course.
- It is not required, but recommended, that Motorcyclists continue to improve their safety level by taking experienced rider courses through the Bureau of Motor Vehicles. As mentioned, these classes are not required to maintain your license, but are encouraged. Many Insurance companies even offer discounts for these classes, so while improving your safety on the road, you could also save on your insurance premium.
Check with your local DMV for any documents and fees needed at the time of the application.
Motorcycle Insurance Maine: Which Companies Can Offer It?
Many Insurance companies offer several products including, Auto Insurance, Home Insurance and Motorcycle Insurance. If you find a company that offers all of the products you need, you can bundle your Insurance policies to get additional savings.
If you are tired of searching for the cheapest motorcycle rates in Maine, call our agents for a free quote today. We are a brokerage that offers several Insurance companies and several products to help you find the best coverage, for the cheapest price.
Not sure which companies are reputable? We are honest enough to tell you when a company may not be your best fit, just because they are the cheapest option.
Check below to see the main insurance companies that we work with who offer Motorcycle Insurance.
Dairyland Motorcycle Insurance: If your motorcycle is less of a treasured possession and more so your main vehicle of getting around, Dairyland is an excellent option. They help cover the cost of rentals, and provide great emergency roadside assistance for that extra peace of mind.
Progressive Motorcycle Insurance: Progressive tends to be the best option when it comes to all of the discount opportunities there are. They also have many options of add-on coverage and original equipment coverage, making it a great insurance choice for people with custom built motorcycles.
Motorcycle Insurance Maine: Laws You Need to Know
- In Maine, you must be at least 16 years of age to obtain a learners permit which consists of a written test, vision test, and basic rider course before receiving a valid license.
- You must carry at least the State Minimum Insurance requirements in Maine, which are 50/100/25. This will pay out if you are found liable in an accident – $50,000 for the death/injury to any one individual; $100,000 per accident, and $25,000 for property damage.
In addition to proper licensing and Insurance requirements, there are safety laws that you must adhere to as well.
- Motorcycles must have at least one mirror adjusted to provide drivers with a clear view of the road in the rear.
- Only one passenger can ride and there must be a permanent seat, or attached sidecar.
- Front- mounted headlights are required on all Motorcycles.
- Maine Law does permit Motorcycle riders to travel abreast of each other in one lane.
- Helmets and Protective eyewear are not required by law, but extremely recommended for your safety.
Motorcycle Insurance Discounts
Many Insurance companies offer discounts in order to help keep the cost for Insurance cheap, and save you money.
Many of the common discounts include, paperless, EFT, auto pay, advanced quoting, and Accident free discount. Other discounts factored in may include married discount, education discount, safety course discount, and group affiliation discount.
As mentioned, all companies differ when it comes to what discounts they offer so be sure to check with your provider to see which discounts you could qualify for.
| Motorcycle Insurance Maine: Discount Opportunities! |
|---|
| multi policy |
| Operators Safety Course |
| HOG Discount |
| prior insurance |
| Anti lock brakes |
| education discount |
| Responsible driver |
| Garaged or locked storage |
| vehicle usage & Mileage |
| Motorcycle Rider Group Discount |
| LoJack device |
| Homeownership Discount |
| prompt payment |
| PIF Discount |
| paperless |
| Years of riding experience |
| Continuous Insurance Discount |
| EFT Discount |
| Multi Lines Discount |
Cheapest motorcycle rates in Maine
Looking for the cheapest Motorcycle rates in Maine? Sometimes, full coverage can cost the same as what liability coverage would, depending upon the bike and the insurance company you are being quoted with.
Our agents specialize in this and know what companies to look at and what coverages to select for the best coverage, and cheapest price.
Don’t settle for your Maine motorcycle insurance if you are not comfortable with what you are paying, there are always other options out there (other fish in the sea).
Call us today for a free Motorcycle Insurance quote! You won’t be disappointed.
Motorcycle Insurance Maine: Coverage Options
Luckily, motorcycle coverages are very customizable. You can opt for the most basic coverage, which would be liability only.
You can choose to add additional coverages for a small price (some companies include these for no additional cost) which include Roadside/Trip Interruption, and Safety Riding Apparel. This will cover you if you are stranded more than a certain amount of miles from your residence, and if you were to damage any of your riding apparel in an accident, such as Helmet, Goggles, Leather Jacket, etc.
Most companies like Progressive, Geico, and Dairyland Insurance include these coverages for no additional cost.
You can also opt to carry full coverage, which consists of Comprehensive and Collision coverage. Comprehensive will cover for things like fire, theft, vandalism and Collision covers an impact with another vehicle or object.
| Maine Motorcycle Insurance Coverage Options |
|---|
| Safety riding apparel |
| Trip Interruption |
| Medical Payments |
| Comprehensive |
| Roadside/Trip Interruption |
| Liability |
| Accessory Coverage |
| Carried contents |
| Guest Passenger Liability |
| Uninsured Motorist Bodily Injury |
| Diminishing Deductible |
| Uninsured Motorist Property damage |
| Optional Equipment |
| Roadside |
| Collision |
| Transport Trailer coverage |
| Rental Reimbursement |
| Physical Damage Plus |
Motorcycle Insurance Maine: Safety Tips
We recommend always checking the weather before planning a trip, that way you are not caught out in a rainstorm or any other unfavorable road conditions.
Make sure to always carry proper documentation, such as Drivers License, Insurance documents and Registration in the event you should be pulled over.
Most importantly, always wear safety gear such as a Helmet, Eyewear and leather jacket, gloves, and chaps!
We hope this information was helpful…if any of your questions were not answered…just give us a call and we are happy to get you on the road…safely and legally!
INSURANCE SERVICES WE OFFER
Homeowners Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
| Other Maine Insurance Guides |
| Maine SR22 Insurance |
| Maine Auto Insurance |
| Insurance Company Contacts |
| Maine Homeowners Insurance |
| Why Use an Insurance Broker? |
Frequently Asked Questions About Motorcycle Insurance in Maine
Do I need motorcycle insurance in Maine?
Yes, motorcycle insurance is required in Maine. State law mandates that all motorcyclists carry minimum liability insurance to cover bodily injury and property damage. It’s important to ensure that your policy meets the state’s requirements for coverage.
What company has the cheapest motorcycle insurance?
The cost of motorcycle insurance varies based on several factors, including your age, driving history, and the type of motorcycle. Companies like Progressive, Dairyland, and Suncoast often offer competitive rates. It’s advisable to compare quotes from multiple providers to find the most affordable option for your needs.
Are motorcycles hard to insure?
Insuring a motorcycle is not necessarily hard, but it can be more challenging than insuring a car due to the higher risks involved. Factors like the motorcycle’s model, your riding experience, and where you live can influence the ease of obtaining insurance and the rates you’ll receive.
Motorcycle Insurance in Maine
Learn about motorcycle insurance options in Maine provided by Learn and Serve Insurance. We offer comprehensive coverage tailored to your needs.
- Liability Insurance
- Full Coverage
- Discounts Available
- Quick Claims Processing
For personalized guidance and a free quote, call us at 1.888.445.2793.
Last Updated on by Camron Moss