Maine Teen Driver Insurance: Parents & New Drivers
Maine requires 50/100/25 liability coverage and is an at-fault state.
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Maine at a Glance
50/100/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
PIP and Uninsured motorist coverage must be on every policy
15
Minimum learner's permit age, 70 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Under Maine's graduated licensing program, drivers under 18 face a learner's permit phase starting at age 15, followed by an intermediate license at 16 with passenger and nighttime restrictions that remain in effect until age 18. Maine law mandates that all insurers offer good student discounts to drivers under 25 who maintain a B average or equivalent, and insurers must also offer driver education discounts for teens who complete approved training courses.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist
Medical Payments Coverage
Collision and Comprehensive
Cost Overview
$170–$256/mo
Typical monthly rate in Maine, adding a driver aged 16–19 to a parent's policy
Rate data: Insurify and ValuePenguin, 2025
Add Your Teen Without Doubling Your Bill
Compare Teen Driver RatesRules for new drivers
Night driving
midnight-5am
Passengers
no passengers (family exempt) for first 270 days
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Liability Insurance
Required minimum of 50/100/25 in Maine. Most parents carrying 100/300 or 250/500 limits maintain those higher levels when adding a teen to protect household assets if the teen causes a serious accident.
Collision Coverage
Covers damage to your teen's vehicle in an at-fault crash or single-car accident. Required by lenders if the vehicle is financed, but optional for older paid-off cars.
Comprehensive Coverage
Covers non-collision damage: theft, vandalism, weather, hitting an animal. Maine has one of the highest deer-collision rates in the country, making comprehensive especially relevant.
Uninsured/Underinsured Motorist
Protects your teen if hit by a driver with no insurance or insufficient coverage. Maine requires insurers to offer this at the same limits as your liability.
Medical Payments Coverage
Pays medical expenses for your teen and passengers after an accident, regardless of fault. Maine requires this be offered, with $2,000 limits common.
Telematics/Usage-Based Insurance
Monitoring programs that track your teen's driving behavior—speed, braking, cornering, time of day—and offer discounts for safe habits. Most major Maine carriers offer these programs.