Motorcycle Insurance for Maine
Maine motorcycle insurance for riders who know the roads.
From the Rangeley Lakes Scenic Byway to the Park Loop Road in Acadia National Park, Roamly works with carriers who understand how Mainers actually ride.
Maine at a Glance
Requirement | Details |
|---|---|
Minimum liability | 50/100/25 ($50k bodily injury per person, $100k per accident, $25k property damage), plus $2,000 of medical payments coverage. Uninsured/underinsured motorist coverage must match your liability limits unless you reject that in writing, and it can't go below 50/100. |
Helmet law | Required for operators and passengers under 18, riders on a learner's permit, riders in their first year after passing the road test, and any passenger of a rider who must wear one. |
Lane splitting | Illegal. Maine law bars riding between lanes of traffic or between rows of vehicles, and passing in the same lane. Two motorcycles may ride side by side in one lane. |
Registration | Annual safety inspection required. As of September 2026, motorcycle registration is $21 a year plus the excise tax you pay at your town office first, and inspection stations can charge up to $12.50. |
Requirements and regulations may change. Verify with the Maine Bureau of Insurance and the Maine Bureau of Motor Vehicles for the most current information.
What you need to know about Motorcycle Insurance in Maine
Maine has some of the higher liability minimums in New England, requires medical payments coverage on standard personal policies, and makes newer riders wear a helmet no matter their age. Here's what actually shapes your policy.
Maine's 50/100/25 Minimum
The state requires 50k/100k bodily injury, $25k property damage, and $2,000 of medical payments coverage. Uninsured/underinsured motorist coverage has to match your liability limits unless you reject that in writing — and even then it can't drop below 50k/100k. We'll help you figure out what makes sense for how you ride.
Agreed Value for Custom Builds
Your Heritage Softail with the new bags and custom paint isn't a stock bike. Roamly works with carriers who may value your sweat equity, not some database guess.
Peer-to-Peer Rental Coverage
Summer visitors head for Acadia and the western mountains, and some would rather ride than drive. Want to list your bike on Twisted Road or Riders Share for them? Many personal policies exclude rental use, so check yours first. Roamly works with carriers who may be able to help.
SR-22 Filing When Needed
After a conviction like OUI or driving without insurance, the Maine Bureau of Motor Vehicles requires proof of insurance for at least three years once your license is reinstated — and riding without it during that time is a crime. Roamly works with carriers that file SR-22s, and we'll help you get the filing started. No judgment.
Protection Beyond Basics
Type | Details |
|---|---|
Mechanical Breakdown Coverage | Engines fail at the worst times — like on US Route 201 north of The Forks, a long way from the next shop. Through Roamly's carrier partners, coverage may be available to help with sudden mechanical breakdowns beyond warranty. |
Riding Gear Coverage | Helmets, jackets, boots, and gloves — Maine's riding season is short and its weather is unpredictable, so good gear earns its keep. Roamly works with carriers who may offer coverage options to help protect your riding equipment. |
Agreed Value for Custom Builds | Your garage-built bike is worth more than a database number. Roamly works with carriers who offer Agreed Value coverage that may insure your build for what it's actually worth. |
Rent Your Bike Without Losing Coverage
Acadia, the Rangeley Lakes, and the Old Canada Road draw riders from out of state every summer, and a bike can do more than sit in the garage between your own rides. Listing yours on Twisted Road or Riders Share can help it earn its keep, but many personal policies exclude rental use — check yours before you hand over the keys. Roamly works with carriers who may cover your bike even when it's rented through legitimate platforms, which may help you earn from your bike while keeping it protected.
What Maine Actually Requires
Maine mandates 50/100/25 liability coverage for motorcycles, the same as for cars. That's $50k per person and $100k per accident for bodily injury, plus $25k for property damage and $2,000 of medical payments coverage. Uninsured/underinsured motorist coverage has to match your liability limits unless you reject that in writing, and it can't go below 50k/100k. Maine is an at-fault state with no PIP. Riders under 18, permit holders, riders in their first year after the road test, and their passengers need a helmet. The minimums keep you legal, but they won't go far if you total someone else's Road Glide or hurt someone badly — and liability alone doesn't pay to fix or replace your own bike. We'll help you figure out what makes sense for your situation.
Custom Builds Get Real Value
You built your bike the way you wanted it: Vance & Hines exhaust, Corbin seat, custom paint, and upgraded suspension. Stock book value doesn't account for the work you put in or the parts you upgraded. Roamly works with carriers who offer Agreed Value coverage options — we'll help document your build so it may be insured for an agreed amount that reflects your upgrades, which may help if you ever need to file a claim.
LEGAL DISCLAIMERS
Roamly is a licensed insurance agency. Insurance policies referenced are offered through Roamly and underwritten by third-party carriers including Progressive, National General, Foremost, Safeco, Nationwide, Dairyland, Mercury, and Plymouth Rock, among others. Not all products or coverages are available in every state. Coverage terms, conditions, limits, deductibles, exclusions, and availability vary by state, carrier, and policy. This page is provided for general information and is not a contract of insurance. See the actual policy for a full description of coverages, terms, and conditions. Maine law references current as of September 2026 — confirm current requirements with the Maine Bureau of Insurance and the Maine Bureau of Motor Vehicles.
Why Roamly?
Tailored coverage
We know a cruiser isn't a sport bike. Roamly helps you find the coverage that fits with how you ride, from dirt trails to open roads.
Custom parts protection
Most insurers offer minimal coverage for custom parts. Our partners provide up to $20,000 in coverage for your aftermarket mods and custom work.
Track day coverage
Most insurers don’t cover organized track events, riding schools, and time trials. Push your limits. We’ll make sure you’re covered.
Maine requires 50/100/25 liability coverage: $50,000 per person and $100,000 per accident for bodily injury, plus $25,000 for property damage. Policies must also include $2,000 of medical payments coverage and uninsured/underinsured motorist coverage of at least 50,000/100,000. These minimums keep you legal, but they might not be enough if you cause serious damage or injury. Requirements may change — verify with the Maine Bureau of Insurance.
It depends. Operators and passengers under 18 need one, and so does any rider on a learner's permit or within one year of passing the road test, whatever their age. Any passenger of a rider who has to wear a helmet needs one too. Helmets must meet the federal DOT standard or ANSI Z90.1. Maine law doesn't require separate eye protection.
It depends on your bike, riding history, where you live, and the coverage you pick. Your liability and uninsured motorist limits, and whether you add collision, comprehensive, or more medical payments coverage, will change the price. Get a personalized quote to find out your rate.
Roamly is a brokerage — we work with carriers who may cover your motorcycle while it's rented through platforms like Twisted Road and Riders Share. Many personal policies exclude rental use, so it's worth checking yours before you list. Coverage terms, conditions, and availability vary by state and policy.
Roamly works with carriers who offer Agreed Value coverage options. We may help document your mods up front so your bike can be insured for an agreed amount, not a depreciated database number. If it's totaled, the agreed value — less any deductible — is what the policy is built around. Coverage terms, conditions, and availability vary by state and policy.
Liability is what Maine requires, along with uninsured motorist and medical payments coverage — liability pays for damage you cause to other people and their property. "Full coverage" usually means adding collision and comprehensive, which help pay to repair or replace your own bike after a crash, theft, vandalism, or storm damage. If you're financing, your lender will likely require both.
An SR-22 is a certificate your insurer files with the Maine Bureau of Motor Vehicles to prove you carry at least the minimum coverage. After a conviction or adjudication for a motor vehicle violation — commonly OUI or driving without insurance — and reinstatement, you'll need to keep it for at least three years. Riding without that proof while it's required is a Class D crime. Roamly works with carriers that file SR-22s and can help you keep it active. Coverage terms, conditions, and availability vary by state and policy.
It can. Maine's credit law expressly covers motorcycle policies: insurers can't deny, cancel, or non-renew solely on credit or set renewal rates solely on credit, and they can't use a credit report more than 90 days old. Your riding record, bike, and location are also major rating factors, and how much each one counts varies by carrier.
Not if they're too tall. Maine law bars handlebars with grips higher than the rider's shoulders on a public way. It's worth checking before you install tall bars — and if you do change your setup, tell your carrier so your policy reflects your bike as it actually is.
Still have questions?
Call us at 877.725.1245
Maine Motorcycle Insurance Quotes in Minutes
Maine motorcycle insurance for riders who know the roads.
* Roamly is an insurance agency, not a carrier. Coverage, limits, and availability vary by carrier and by state, and are subject to underwriting approval.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Roamly license numbers. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Liberty Mutual Insurance Company, Foremost Insurance Company, National General Insurance, and others.
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