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.
Find Cheap Motorcycle Insurance Quotes in Maine
Best cheap Maine motorcycle insurance
How we chose the top companies
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 nearly half the statewide average. It's also $8 per month less than the second-cheapest companies, Geico and Harley-Davidson.
Find Cheap Motorcycle Insurance Quotes in Maine
Motorcycle insurance in Maine costs an average of $21 per month 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 | ||
|---|---|---|---|
| Harley-Davidson | $21 | |
| Progressive | $23 | |
| Dairyland | $26 | |
| Geico | $26 | |
| Allstate | $32 | |
| Nationwide | $48 | |
Best motorcycle insurance for most riders: Progressive
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Editor's rating
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Cost: $11/month
Overview
Pros/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 around half what 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 full coverage policy includes:
- Full replacement cost coverage: Progressive will fix your bike with brand-new parts after an accident, regardless of any prior wear and tear.
- Original manufacturer equipment (OEM) parts: Progressive will fix your motorcycle with parts from the original manufacturer, as opposed to cheaper after-market parts.
- $3,000 for accessories and custom parts, like a C/B radio or custom saddle.
Other insurance companies typically charge extra for these features.
Progressive also offers coverage add-ons like roadside assistance, which you can add for an extra fee. However, you can't get rental reimbursement coverage from Progressive. So, 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.
The main downside of choosing Progressive is that it has some of the worst customer service reviews in Maine.
Progressive gets twice as many customer complaints as an average insurance company its size. Most complaints are about its long claims process after an accident. There are also a lot of complaints about low settlement offers. That means it may take longer to get back on the road after a crash, and you could end up spending more money to fix your bike.
Best for daily riders: Harley-Davidson
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Editor's rating
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Cost: $19/month
Overview
Pros/Cons
Harley-Davidson may be the best choice if you mainly use your motorcycle to commute to work or run errands.
Harley-Davidson is the best choice if your motorcycle is your main vehicle because it offers rental reimbursement and roadside assistance. These coverages can help keep your life on track if something happens to your bike.
- Rental reimbursement pays for a rental car 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.
At $19 per month, full coverage from Harley-Davidson is $2 per month cheaper than the state average. But it's still $8 per month more than the cheapest option, Progressive.
However, Harley-Davidson 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.
Like Progressive, Harley-Davidson gets more customer complaints than other companies its size. That means you may have to wait longer to get your bike fixed after an accident. This makes Harley-Davidson's rental reimbursement coverage even more valuable, because you may need to drive a rental vehicle for a while while you wait to get your bike back from the shop.
Best customer service: Geico
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Editor's rating
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Cost: $19/month
Overview
Pros/Cons
Geico offers a good mix of reliable customer service at an affordable price in Maine.
Geico has some of the highest customer service scores in Maine, and its rates are generally affordable. Although it doesn't offer as many coverage add-ons as some other companies, it's still a great option for many people.
Maine riders can count on Geico to get them back on the road quickly after an accident.
The company earned an above-average score on J.D. Power's auto insurance customer survey. It also gets 25% fewer complaints than an average company its size.
At $19 per month, Geico has some of the cheapest motorcycle insurance in Maryland. While it's $2 per month less than the state average, it costs $8 per month more than the cheapest company, Progressive. In addition, Geico offers fewer discounts than Progressive, which could increase that gap even further.
Geico offers enough coverage add-ons for most people, including roadside assistance with trip interruption and coverage for accessories, like custom electronics.
However, you can't get rental reimbursement from Geico. Because it won't cover the cost of a rental car while your bike is in the shop, it may not be the best choice if you rely on your motorcycle to commute to work or run errands.
Maine motorcycle insurance costs by city
Portland, the largest city in Maine, has the state's most expensive motorcycle insurance quotes.
Riders in Portland typically pay around $23 per month for full coverage insurance.
Belfast, Old Town and Rockland have the cheapest rates among the state's larger cities, at $20 per month.
Average cost of motorcycle insurance in Maine by city
City | Monthly cost | % from average |
|---|---|---|
| Auburn | $22 | 5% |
| Augusta | $21 | -1% |
| Bangor | $22 | 4% |
| Bath | $21 | 0% |
| Belfast | $20 | -4% |
The city you live in affects your motorcycle insurance rates because insurance companies consider factors like traffic and crime. For that reason, insurance is typically more expensive in large cities.
Maine motorcycle insurance laws
Riders in Maine must have a minimum amount of liability insurance coverage, which is sometimes written as 50/100/25.
You must also have uninsured and underinsured motorist coverage, as well as medical payment coverage.
- 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
These numbers are higher than what's required in most other states. However, the minimum insurance required in Maine won't pay for damage to your bike.
If you have a new or expensive bike, you should consider adding collision and comprehensive coverage for extra protection. These coverages pay for many different types of damage to your motorcycle, like theft, an accident or a fallen tree branch.
Frequently asked questions
Does Maine require motorcycle insurance?
Yes, motorcycle owners need insurance to ride legally in Maine. 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 nearly half 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 34% cheaper than the national average of $32 per month.
How much is motorcycle insurance from Dairyland Insurance in Maine?
Dairyland charges an average of $24 per month for full coverage motorcycle insurance in Maine. That's $3 per month more than the state average, and $13 per month more than the cheapest company, Progressive.
Methodology
To find the best cheap motorcycle insurance in Maine, ValuePenguin collected motorcycle insurance quotes from six 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
The ValuePenguin team has a combined total of more than 50 years' experience in the property and casualty insurance industry.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
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.
