Who Has the Cheapest Motorcycle Insurance Quotes in Maine?
Progressive has the cheapest motorcycle insurance in Maine at $11 per month for a full coverage policy.
Compare Motorcycle Insurance Quotes in Maine
Best cheap Maine motorcycle insurance
To help you find the best cheap motorcycle insurance in Maine, ValuePenguin compared quotes from seven top companies across 23 of the largest cities across the state.
Our experts ranked the best motorcycle insurance companies in Maine based on cost, customer service and coverage availability.
To find the cheapest companies, ValuePenguin compared quotes for a full coverage policy with higher liability limits than the state minimum, collision, and comprehensive coverage. Full methodology.
Cheapest motorcycle insurance in Maine
Progressive has the cheapest motorcycle insurance quotes in Maine.
A full coverage policy from Progressive costs just $11 per month, which is half the statewide average. It's also $8 per month less than the second-cheapest companies, Geico and Harley-Davidson.
Compare Motorcycle Insurance Quotes in Maine
Motorcycle insurance in Maine costs an average of $21 per month or $254 per year for full coverage. That makes Maine the fourth-cheapest state in the country for motorcycle insurance.
Cheapest motorcycle insurance quotes in ME
Company | Monthly rate | ||
|---|---|---|---|
| Progressive | $11 | |
| Geico | $19 | |
| Harley-Davidson | $19 | |
| Markel | $20 | |
| Dairyland | $24 | |
Best motorcycle insurance for most riders: Progressive
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Editor rating
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Monthly rate
$11 ?
Pros and cons
Progressive is the best motorcycle insurance company for most riders because of its cheap rates and excellent coverage.
Full coverage motorcycle insurance from Progressive costs an average of $11 per month. That's half as much as most riders in Maine pay for coverage. You can also get discounts if you don't have any tickets or accidents on your record or belong to an organization like the Harley Owners Group (H.O.G.).
In addition, Progressive's standard policy includes full replacement cost coverage , original manufacturer equipment (OEM) parts and $3,000 for accessories and custom parts. Other insurance companies typically charge extra for these features.
However, Progressive doesn't offer a few popular coverage add-ons.
- Riders can't get rental reimbursement from Progressive. If your motorcycle is your only vehicle, you'll have to pay for a rental while your bike is in the shop after an accident.
- Progressive doesn't offer trailer coverage. So, it may not be a good choice if you regularly travel with your motorcycle.
Maine riders can count on Progressive to get them back on the road quickly after a crash. The company gets 35% fewer customer complaints than similar insurance companies, according to the National Association of Insurance Commissioners (NAIC). That means most riders are happy with the service they get from Progressive.
Best for daily riders: Harley-Davidson
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Editor rating
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Monthly rate
$19 ?
Pros and cons
Harley-Davidson may be the best choice if your bike is your primary vehicle.
That's because it offers rental reimbursement and roadside assistance, along with good rates.
- Rental reimbursement pays for a rental vehicle while your motorcycle is in the repair shop after an accident.
- Roadside assistance offers service for things like battery issues, flat tires, mechanical problems, and 24/7 towing.
Harley-Davidson isn't the cheapest motorcycle insurance option in Maine. But, it offers lots of discounts to help lower its rates, and some are very easy to get. For example, you can save money if you have a motorcycle endorsement on your license, make your payments on time or own a home.
However, at $19 per month, full coverage from Harley-Davidson is $8 per month more than Progressive. And that's before any coverage add-ons.
Best for military families: USAA
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Editor rating
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Monthly rate
$10 ?
Pros and cons
USAA offers the best motorcycle insurance quotes for Maine riders with ties to the military.
USAA doesn't sell its own motorcycle insurance. Instead, it partners with Progressive, which offers a 5% discount to USAA members. That means USAA members in Maine can expect to pay an average of $10 per month for a full coverage policy from Progressive.
USAA members also get the extra coverage included in Progressive's standard policy. Full coverage motorcycle insurance from Progressive comes with replacement cost coverage , original equipment manufacturer (OEM) parts coverage and $3,000 of coverage for custom parts and accessories. These extra coverages are a great value if you have a new or custom bike.
In addition, USAA has some of the best-rated customer service in the industry. Riders can depend on USAA to provide a quick and easy claims process after an accident.
Maine motorcycle insurance costs by city
Portland, the largest city in Maine, has the state's most expensive motorcycle insurance quotes, at $22 per month for full coverage.
Old Town, a small town north of Bangor, has the cheapest rates among the state's larger cities, at $20 per month.
City | Monthly cost | % from average |
|---|---|---|
| Auburn | $22 | 4% |
| Augusta | $21 | -1% |
| Bangor | $22 | 3% |
| Bath | $21 | -1% |
| Belfast | $20 | -4% |
The city you live in impacts your motorcycle insurance rates because insurance companies consider factors like traffic and crime. For that reason, insurance rates are typically more expensive in large cities.
Maine motorcycle insurance laws
Riders in Maine must have a minimum amount of insurance coverage to drive legally. Maine has higher minimum requirements for motorcycle insurance than most other states.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Medical payments: $2,000 per person
Although the state requires you to get only these coverages, most riders should get more. The minimum limits won't pay for damage to your bike. Riders with a new or expensive bike should consider adding collision and comprehensive coverage for extra protection.
Frequently asked questions
Do you need motorcycle insurance in Maine?
Yes, you need motorcycle insurance to ride in Maine legally. You must have at least $50,000 of bodily injury liability per person and $100,000 per accident, along with matching uninsured and underinsured motorist coverage. You must also have $25,000 in property damage liability and $2,000 in medical payments coverage.
What is the cheapest motorcycle insurance in Maine?
Progressive has the cheapest motorcycle insurance for most riders in Maine. Full coverage from Progressive costs just $11 per month, which is half as much as the statewide average.
How much does motorcycle insurance in Maine cost?
The average cost of motorcycle insurance in Maine is $21 per month. That's $12 per month cheaper than the national average of $33 per month.
Compare motorcycle insurance in Maine vs other states
Methodology
To find the best cheap motorcycle insurance in Maine, ValuePenguin collected motorcycle insurance quotes from seven of the largest insurance companies across the state. Rates are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
Full coverage quotes include comprehensive and collision coverage and higher liability limits than the state requirement.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured and underinsured motorist property damage: $25,000 per accident
- Medical payments: $5,000
- Comprehensive and collision deductible: $500
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.