Maine motorcycle insurance

Illustration of Portland Head Light historic lighthouse in Cape Elizabeth, MaineIllustration of Portland Head Light historic lighthouse in Cape Elizabeth, Maine

To enjoy Maine’s lush woodlands and rugged coastline safely and legally, make sure you’re equipped with a motorcycle insurance policy that suits your lifestyle, your finances, and your bike of choice. It’s a good idea to review the state’s rules of the road as well. 

What’s required of all motorcycle riders in Maine?

To ride a motorcycle as a Maine resident, you need to be at least 16 years old and complete a hands-on rider education program. Depending on your bike, you may not need a motorcycle endorsement—visit the Maine Bureau of Motor Vehicles’ Motorcycling in Maine page for more information. Additionally, here are a few rules of the road to know:

  • Helmets: While some riders aren’t required to wear a helmet, we strongly encourage you to wear one whenever you’re on a motorcycle. Start by choosing the right motorcycle helmet. And keep in mind, you need to wear a helmet if you meet any of the following criteria:

    • You’re under 18 years old

    • You’re operating on a learner’s permit

    • You’re a passenger and the person operating the motorcycle is required to wear a helmet

  • Handlebars: Your motorcycle’s handlebars can’t exceed the height of your shoulders when you’re sitting on the bike.

  • Headlights: Your bike must have front-mounted headlights, and you need to have the headlights on whenever you ride.

  • Mirrors: Your motorcycle must have at least one side mirror that allows you to see 200 feet behind you.

  • Muffler equipment: Your motorcycle must be fitted with muffler equipment that curbs excessive noise. It’s illegal to amplify your motorcycle’s engine sound.

  • Passengers: You’re only allowed to carry two individuals—you and one passenger. And in order to carry a passenger, your bike must have a permanent passenger seat.

  • Sidecars: You can attach a sidecar to your motorcycle. No more than two people can ride in it, and they must always wear helmets.

  • Lane sharing: Two motorcycles can ride side by side in one lane, but you’re not allowed to operate your motorcycle between lanes of traffic or between rows of vehicles.

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What are the motorcycle insurance requirements in Maine?

As a Maine resident, you’re required to carry motorcycle insurance before you can legally register and operate a motorcycle in the state. Each state establishes its own minimum motorcycle insurance coverage limits—here are Maine’s:

Liability coverage

  • $50,000 for bodily injury liability or death for one person

  • $100,000 for bodily injury liability or death for two or more persons

  • $25,000 for property damage liability per accident

Uninsured/Underinsured motorist coverage

  • $50,000 for bodily injury or death for one person

  • $100,000 for bodily injury or death for two or more persons

Medical payments coverage

  • $2,000 per person

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Are optional motorcycle insurance coverages available in Maine?

Yes. To help build a motorcycle insurance policy that makes sense for you, we offer several optional coverages in Maine, including:

Comprehensive coverage

If your motorcycle is damaged by something other than a collision, comprehensive motorcycle insurance can help you pay for repairs and other costs. This coverage frequently applies following incidents like theft, vandalism, and weather events like hailstorms.

Collision coverage

When your motorcycle is involved in a collision with another vehicle or a stationary object—or even if it just tips over and is damaged—your collision coverage can pay for the resulting costs of the damage.

Roadside assistance coverage

Stuck somewhere with a flat tire, an empty tank, or a dead battery? Roadside assistance coverage can bring you help when and where you need it most.

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Customizing your motorcycle insurance policy can help you save money and stay protected.

Review this guide to buying motorcycle insurance before choosing your coverages.

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How to get a motorcycle insurance quote

Insurance quotes are quick and free. You’ll just need to:

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Have your bike’s year, make, model, and vehicle identification number (VIN) on hand.

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Answer some additional questions about your bike (e.g. customizations, where it’s kept, whether you’ve taken a rider safety course, etc.).

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Select the coverages you want.

Maine motorcycle insurance discounts

We offer a range of motorcycle insurance discounts to help you find even more value in your coverage. Check out the list of discounts below, all of which are available in Maine, and talk to your Dairyland® agent to see how many you may qualify for.

  • Operator safety course

  • Rider group

  • Transfer 

  • Multi-vehicle 

  • Loyalty 

  • Harley Owners Group (H.O.G.) member 

  • Homeownership

Sites to see in Maine

As you’ll discover, Maine more than earns its “Vacationland” nickname. Here are a few places to stop as you ride through the Pine Tree state:

Acadia National Park

The scenic viewpoints and network of hiking trails throughout Acadia National Park make it one of the country’s most popular national parks. You can spend hours watching the waves crash against the rugged coastline, then explore the lush forests on foot or by bicycle.

Camden Hills State Park

Looking for a single destination that offers hiking, camping, scenic bicycle trails, and ferry rides? Camden Hills State Park boasts plenty of recreation opportunities, along with unmatched views of Camden Harbor and Penobscot Bay, both of which frequently teem with colorful boats.


Kennebunkport is a small coastal town near Portland. A favorite getaway for tourists in the summer, it’s the perfect place to grab a few antiques or gifts for your loved ones. For a more relaxed experience, schedule an autumn excursion, after the crowds have headed back south.

All year round, Maine’s trails give you access to unmatched natural scenery. Bundle your coverages and save with Maine ATV insurance.

Get a Maine motorcycle insurance quote

For a truly carefree riding experience, you need the right coverage. We can help you protect yourself and your bike with affordable, customizable motorcycle insurance. Enter your information below or give us a call at 866-324-7952 to get started.

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