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Teen Driver Insurance in Maine: Parent & Student Guide

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

Minimum learner's permit age, 70 supervised driving hours

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Maine

The state also operates a three-stage graduated licensing program: learner's permit at 15, intermediate license at 16 (with nighttime and passenger restrictions), and full unrestricted license at 18. Maine law mandates that insurers offer good student discounts to drivers under 25 who maintain a B average or equivalent, making this one of the few state-required teen driver discounts.

Liability Insurance

Maine's 50/100/25 minimums are lower than the national average and may not cover serious accidents involving a teen driver. Many parents adding a teen driver increase liability limits to 100/300/100 or higher, especially during the intermediate license phase (ages 16–18) when crash risk is statistically highest. Minimum coverage costs less upfront but exposes the parent's assets to lawsuit risk if the teen causes a serious accident.

Uninsured Motorist Coverage

Maine requires insurers to offer uninsured motorist coverage at the same limits as liability, and policyholders must reject it in writing. For families adding a teen driver, this coverage protects against accidents caused by uninsured drivers — a common scenario in rural Maine areas where uninsured rates can be higher. Parents cannot be sued by their own teen if the teen is injured in an accident they caused, but uninsured motorist coverage protects the teen if hit by someone else.

Collision Coverage

Collision is not legally required in Maine, but most lenders mandate it for financed vehicles. Some parents opt for a higher deductible or collision-only coverage on an older car to reduce the premium increase, accepting the risk of totaling a lower-value vehicle during the learner's permit or intermediate license phase.

Comprehensive Coverage

Comprehensive covers non-collision damage like theft, vandalism, weather, and animal strikes — a relevant risk in Maine where deer collisions are common, especially in rural areas where many teen drivers live. Paired with collision, comprehensive creates full-coverage protection.

Medical Payments Coverage

For teen drivers on a parent's policy, this provides first-dollar coverage for injuries sustained in an accident, even if the teen caused it.

What Drivers Pay in Maine

$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

What Affects Your Rate

Vehicle type: Assigning the teen to an older, lower-value vehicle on the parent's policy significantly reduces collision and comprehensive premiums compared to a newer or high-performance car.
Graduated license stage: Intermediate license holders (ages 16–17) pay higher rates than full license holders (18+) due to restrictions and elevated crash statistics during the restricted phase.

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Rules 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

Add to Parent's Policy vs. Standalone

Adding a teen to a parent's existing policy is almost always cheaper than a standalone teen policy — often by 40–60%. The parent's multi-car discount, homeowner bundling, and claims-free history all apply to the entire policy, lowering the per-vehicle cost.

Full Coverage for Teen Drivers

Full coverage combines liability, collision, and comprehensive. For teen drivers on financed or leased vehicles, lenders require this. For teens driving older cars owned outright, parents often choose liability-only or liability plus comprehensive (to cover deer strikes and weather damage) without collision.

Good Student Discount Eligibility

Maine law mandates that insurers offer good student discounts to drivers under 25 who maintain a B average (3.0 GPA) or equivalent. Most carriers require report cards or transcripts as proof and re-verify each policy term. The discount typically reduces the teen driver premium by 10–20%.

Telematics and Usage-Based Programs

Telematics programs use a mobile app or plug-in device to monitor driving habits — speed, hard braking, nighttime driving, and total mileage. Safe driving scores can reduce premiums by 15–30%. For teen drivers, these programs also give parents visibility into driving behavior during the intermediate license phase.

Uninsured Motorist Protection

Uninsured motorist coverage pays for injuries and damage when the at-fault driver has no insurance. Maine requires insurers to offer it, and parents must reject it in writing. For teen drivers, this is critical protection during the high-risk learning years.

Vehicle Assignment Strategy

Insurers rate teen drivers based on the vehicle they drive most often. Assigning the teen to the oldest, lowest-value car on the policy significantly reduces collision and comprehensive premiums compared to assigning them to a newer or high-performance vehicle.