Motorcycle Insurance for Maine Riders

Maine is home to some of the most beautiful landscapes and roads for motorcycle riders to explore. Whether you’re riding a motorcycle, trike, or scooter, the State of Maine legally requires you to have motorcycle insurance that meets or exceeds certain minimum coverage limits. Additional coverage, beyond the minimum legal requirements, is strongly recommended to help protect both you and your bike. In this article, you can find information discussing what motorcycle insurance typically covers, how much it may cost, and what discounts may be available for Maine riders.

close up of motorcycles parked

How to Get Motorcycle Insurance in Maine

Regardless of whether you are shopping for a new policy for your motorcycle or you are looking to compare your current coverage with other options, calling Cross Insurance or filling out our online form can help to provide you the assistance you are searching for. With offices throughout Maine, Cross Insurance works with a number of insurance carriers, meaning more options to choose from when it comes to selecting insurance for your motorcycle.

Is Motorcycle Insurance a Requirement in Maine? 

Maine, like nearly all other states, requires that you provide proof of insurance prior to registering your motorcycle.

motorcycle rider driving on the highway passing pine trees

What Does Motorcycle Insurance Cover? 

  • Motorcycle insurance usually includes coverage for: Liability
  • Collision Insurance
  • Comprehensive insurance
  • Medical Payments
  • Uninsured motorist coverage
  • Underinsured motorist coverage
  • Property damage liability

Depending on the carrier, you may also be able to add coverage options to include coverage for certain accessories, such as custom work, electronic equipment/GPS, saddlebags, and more.

How Much Does Motorcycle Insurance Cost in Maine?

Motorcycle insurance costs and rates depend on a variety of factors. In addition to the type and amount of coverage(s) you select, the following non-exhaustive list includes some of the possible factors that can play into a motorcycle insurance quote.

  • The year, make, and model of your motorcycle.

A newer, more expensive, and typically faster motorcycle will tend to affect your policy more than an older machine. Safety ratings and modifications may also affect your potential costs.

  • The state that you live in.

Maine, just as any other state, has different laws and regulations that riders must follow, which can affect your quote. Additionally, some states experience vastly different weather conditions, which may also impact rates.

  • Your age, driving record, and in some cases profession.

Just as with car, RV, ATV, or boat insurance, your individual background and driving history can alter how affordable or expensive your quote may be. Past accidents while operating any machinery, not just while operating motorcycles, can also alter your rates.

  • Are you riding alone or with a friend?

Having passengers accompany you on motorcycle rides, or alternatively riding solo, may either increase or decrease the liability at hand, which may impact rates.

To get a quote for what it will cost you to insure your motorcycle, you can request a quote from one of our local offices in Maine.

close up of yellow motorbike using kickstand

Are there Discounts Available for Motorcycle Insurance in Maine? 

One of the most common ways to save on motorcycle insurance is by bundling it with your home, auto, or another policy. Some carriers may offer a discount for riders who complete approved motorcycle safety or accident prevention courses. Reach out to your local insurance agent to see what discounts may be available for you in Maine.

Other Insurance Coverages Available

With many local branches throughout Maine we are able to insure more than just bikes. Contact us today for quotes for auto, home, renters, or umbrella insurance. If you have a Maine business and are looking for insurance coverages we offer general liability, commercial auto, workers’ compensation, inland marine, and more.



This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.

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