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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

Teen drivers in Maine enter a graduated licensing system with a learner's permit available at age 15, an intermediate license at 16 (with passenger and nighttime restrictions), and eligibility for a full license at 16 years and 9 months after completing all requirements. Maine statute Title 24-A §2904-A mandates that insurers offer a good student discount to drivers under 25 who maintain a B average or equivalent, making this one of the most accessible premium reduction tools for parents adding a teen driver.

Liability Insurance

Parents adding a teen to an existing policy often increase liability limits to 100/300/100 or higher to protect family assets, especially if the teen will drive a newer vehicle or if the family owns a home.

Uninsured/Underinsured Motorist Coverage

Maine requires insurers to offer uninsured motorist coverage at the same limits as your liability policy, and you must reject it in writing if you choose not to carry it. For teen drivers, this coverage is particularly relevant—if your 16-year-old is hit by an uninsured driver, UM coverage pays for their medical bills and vehicle damage up to your policy limits.

Collision Coverage

Collision coverage pays to repair your teen's vehicle after an at-fault accident, minus your deductible.

Comprehensive Coverage

Comprehensive covers non-collision damage: theft, vandalism, weather, animal strikes, and other perils. In Maine, deer collisions are common, particularly in rural areas and along wooded roadways, making comprehensive coverage relevant even for teen drivers with older vehicles.

Full Coverage

Full coverage refers to a policy that includes state-required liability plus collision and comprehensive. The decision hinges on vehicle value, family budget, and whether the vehicle is financed—lenders require full coverage until the loan is paid off.

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

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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. Separate Policy

This is the primary decision parents face when insuring a teen driver. Adding a teen to a parent's existing policy is almost always cheaper—often by $1,200–$3,000/year—because the teen inherits the parent's multi-car, multi-policy, homeowner, and loyalty discounts.

Liability Coverage for Teen Drivers

Liability coverage pays for injuries and property damage your teen causes to others in an at-fault accident. Maine's 50/100/25 minimum is legally sufficient but may not protect your family's assets if your teen causes a serious accident with high medical bills or totals an expensive vehicle.

Collision and Comprehensive for Older Vehicles

Many parents manage teen driver costs by assigning an older, paid-off vehicle to the teen and carrying liability-only coverage, skipping collision and comprehensive. If the vehicle is worth less than $3,000–$4,000, the annual cost of collision coverage often exceeds the potential claim payout after the deductible.

Good Student Discount

Maine law requires insurers to offer a good student discount to drivers under age 25 who maintain a B average or equivalent GPA. This is one of the most valuable and underutilized discounts available to parents adding a teen driver, reducing premiums by 10–25% with most carriers.

Telematics and Usage-Based Insurance

Telematics programs monitor your teen's driving behavior—hard braking, rapid acceleration, speed, nighttime driving, and phone use—and adjust premiums based on actual performance. These programs can reduce rates by 15–30% for safe drivers, and many Maine carriers now offer app-based programs with no device installation required.

Uninsured Motorist Coverage for New Drivers

Uninsured motorist coverage protects your teen if they're hit by a driver with no insurance or insufficient coverage. Maine requires insurers to offer UM coverage at the same limits as your liability policy, and you must reject it in writing if you decline.