There’s something special about riding a motorcycle in Maine. From cruising the scenic coastline near Wells and Ogunquit to winding through Kennebunk’s historic streets or heading inland past Biddeford’s backroads, motorcycling here is more than just transportation—it’s freedom. But with that freedom comes risk, and that’s why having the right motorcycle insurance in Maine is so important.
At Sevigney Lyons Insurance Agency, we help Maine riders find affordable, reliable coverage that fits their needs—whether you ride year-round, only in the summer, or just on weekends. Our team understands local roads, Maine’s insurance requirements, and the unique needs of motorcyclists. When you work with us, you don’t just get a policy—you get a partner looking out for you and your bike.
If you’ve been riding for a while, you already know that the open road can be unpredictable. One moment you’re enjoying the salty breeze along the coast, and the next, a distracted driver pulls out unexpectedly. Even the most careful riders face risks like sudden weather changes, potholes on rural roads, or wildlife crossings at dusk.
That’s why Maine requires motorcycle insurance—to protect you, your passengers, and others on the road. But beyond meeting the law, the right policy also gives you peace of mind. Imagine knowing that if something does happen—whether it’s a minor fender bender in Kennebunk or a more serious accident—you’ll have coverage to take care of medical bills, repairs, and legal costs.
At Sevigney Lyons Insurance, we help riders get more than just the state minimums. We make sure you’re truly protected where it counts.
Motorcycle insurance can feel complicated, but it doesn’t have to be. Here are the most common types of coverage we help riders choose from:
• Liability Coverage – This is required in Maine. It covers injuries or damage you cause to others in an accident. Think of it as your financial shield if the unexpected happens.
• Collision Coverage – Helps repair or replace your motorcycle if you hit another vehicle or object.
• Comprehensive Coverage – Covers things outside of accidents—like theft, vandalism, fire, or storm damage.
• Uninsured/Underinsured Motorist Coverage – Protects you if you’re hit by someone who doesn’t have insurance or enough insurance. Sadly, this is more common than many riders think.
• Medical Payments Coverage – Helps cover medical bills for you or your passenger, no matter who’s at fault.
• Optional Add-Ons – Many riders choose extras like roadside assistance, trip interruption, or custom parts and equipment coverage (great if you’ve added accessories or modifications to your bike).
Every state sets its own insurance laws, and Maine is no exception. If you ride here, you’re required to carry liability insurance with minimum limits. But here’s the thing—while the minimum coverage keeps you legal, it may not keep you fully protected.
For example, medical costs and repair bills can add up quickly. If you only carry the minimum, you could be left paying out of pocket after an accident. That’s why many riders in Wells, Kennebunk, Ogunquit, and Biddeford turn to Sevigney Lyons Insurance Agency to build policies that go beyond the bare minimum.
We’ll explain your options in plain language and help you avoid coverage gaps. Our goal is simple: to protect your financial well-being while you enjoy the ride.
The cost of motorcycle insurance in Maine varies, but on average, you can expect policies to range from a few hundred dollars a year for basic liability to more for full coverage. The price depends on factors like:
• Your riding history and experience.
• The type of motorcycle you own (sport bikes often cost more to insure than cruisers).
• How often and where you ride.
• Whether you’ve taken a motorcycle safety course.
• The level of coverage you choose.
The good news? Maine is often more affordable than many other states when it comes to motorcycle insurance. And when you work with Sevigney Lyons, we’ll shop multiple insurance carriers to find you the best Maine motorcycle insurance rates without sacrificing protection.
Yes. Liability insurance is required by law. Without it, you could face fines, license suspension, and higher costs if you’re in an accident.
The best insurance is the one that fits your needs and budget. For some riders, that means full coverage with extras like roadside assistance. For others, it may mean a basic policy with solid liability protection. At Sevigney Lyons, we’ll help you figure out what works best for you.
Absolutely. Many Maine riders save money by bundling policies. If you live in Wells, Kennebunk, Ogunquit, or Biddeford, ask us about multi-policy discounts.
Even if you only ride in the warmer months, it’s smart to keep coverage year-round. Theft, fire, and storage risks don’t disappear just because your bike is in the garage.
We’ll look for discounts based on safe riding records, completing motorcycle safety courses, bundling with home or auto, and more.
Riding in Maine is different from riding anywhere else. The seasons shape how, when, and where you hit the road. In summer, you might cruise the beaches of Ogunquit or Wells. In fall, maybe you take in the foliage around Kennebunk. And while winters put many bikes into storage, the risks—like theft or storm damage—still exist.
At Sevigney Lyons Insurance Agency, we get that motorcycle insurance isn’t just about compliance—it’s about protecting your lifestyle. Whether you’re a daily commuter in Biddeford or a weekend coastal cruiser, we’ll build a policy that reflects the way you ride.
“Best” means different things to different riders. For some, it’s the lowest price. For others, it’s comprehensive coverage that leaves no gaps. Here’s how we define the “best”:
• Affordable premiums that fit your budget.
• Coverage that meets state requirements and your personal needs.
• Flexibility to adjust coverage as your riding habits change.
• Reliable customer service and claims support.
• A local agency that actually knows who you are.
At Sevigney Lyons, our mission is to combine all of these. The best motorcycle insurance in Maine isn’t one-size-fits-all—it’s the policy that lets you focus on the ride, not the risks.
• Local Expertise – We know the roads, the risks, and the community. That means we understand what Maine riders actually need.
• Personalized Service – You’re not just a policy number to us. We’ll take the time to understand your situation and make recommendations tailored to you.
• Multiple Carriers, More Choices – We work with many top insurance companies, so you don’t have to spend hours comparing policies.
When you ride with a policy from Sevigney Lyons Insurance Agency, you ride with confidence knowing a local team has your back.
