Maine motorcycle insurance

Q: What's the best motorcycle insurance in Maine?

One in three insured motorcycle riders choose Progressive.** If you ride in Portland, Lewiston, Bangor or any other city in Maine, find peace of mind while riding with cheap motorcycle insurance in Maine from Progressive.

Maine is a hidden gem for motorcycles with miles of ocean coast, mountain curves, and low-traffic roads that invite you to explore the Pine Tree State. Progressive is a leader in motorcycle insurance, providing affordable protection and peace of mind for Maine riders. Find out the requirements, coverages, and discounts for motorcycle insurance in Maine.

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What are the minimum requirements for motorcycle insurance in Maine?

All riders are required to carry motorcycle liability coverage for bodily injury and property damage in Maine. If your assets are more than the minimum amount of liability coverage, you may want to increase your coverage limits for more protection. Note that property damage liability doesn't cover your own motorcycle.

Required coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$50,000 per person $100,000 per accident
Property damage liability	What it coversProperty damage you cause to others in an accident	Minimum amount$25,000 per accident
Uninsured/underinsured motorist bodily injury	What it coversInjuries you and your passengers incur if hit by an at-fault motorist with insufficient or no liability coverage	Minimum amount$50,000 per person $100,000 per accident

Do you need comprehensive and collision coverage?

Comprehensive motorcycle coverage and collision motorcycle coverage are typically required by your lender if you finance or lease your motorcycle. Even if your motorcycle is paid off, coverage against physical damage may be desirable if you've invested in your motorcycle. Comprehensive covers incidents out of your control, including motorcycle theft, vandalism, hitting an animal, fire, and weather-related issues. Collision can cover your bike if it collides with another object or vehicle, regardless of who's at fault.

How much is motorcycle insurance in Maine?

In 2023, the annual cost for a Progressive motorcycle insurance policy in Maine with liability coverage only was $167.79.^* Many factors affect your price for motorcycle insurance, such as your type of motorcycle, age, driving history, location, and coverage selection. Find out more about the cost of motorcycle insurance.

Pro tip:

Bundle and save with two or more Progressive insurance policies. Earn a multi-policy discount when you combine motorcycle insurance with homeowners, renters, auto, RV, or boat insurance.

What's the best motorcycle insurance in Maine?

One in three insured motorcycle riders choose Progressive.^** If you ride in Portland, Lewiston, Bangor or any other city in Maine, find peace of mind while riding with cheap motorcycle insurance in Maine from Progressive.

We can help Maine riders lower the cost of a motorcycle policy with motorcycle insurance discounts, such as:

Multi-policy discount
Harley-Davidson Owner Group (HOG) association discount
Motorcycle license/endorsement discount
Responsible driver discount
Advanced quote discount

Find out more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in Maine

For greater protection, these optional coverages can be added to your Progressive motorcycle policy:

Motorcycle accessory coverage: May pay for damage to the upgrades you've made to your bike and your equipment, such as chrome pieces, electronics, handlebars, and custom paint and wheels, up to your coverage limit
Medical payments: Pays for injuries you or your passenger suffer, regardless of fault
Total loss coverage: Can pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
Carried contents and personal belongings: May pay to replace any personal effects you're carrying when a covered loss occurs, including theft
Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash
Roadside assistance: Covers the cost of towing your bike to the nearest repair shop

Learn more about motorcycle insurance coverages.

Quick facts for riding in Maine

Maine laws require that motorcycles must undergo a safety inspection once a year. Inspections are conducted at licensed automobile dealerships, service stations, and garages.
You must wear a helmet while riding a motorcycle in Maine if you're under 18, are operating under a learner's permit, or you're within one year of a driving test.
You must complete a hands-on rider education program and complete the same provisions of a standard driver's license to obtain a motorcycle license or endorsement, per Maine law.