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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

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.

Maine motorcycle insurance discounts

At Dairyland, 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.

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. Give us a call at 866-324-7952 to get started.


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