Teen Driver Insurance in Maine

Tojocu Editorial Team | Last verified: April 2026

Maine's licensing laws use a graduated system for teens seeking to become licensed drivers. Teen drivers are subject to various restrictions depending on their age and driving experience. A 15-year-old who has completed an authorized driver's education course is eligible for a learner's permit. If you are under 21 years of age, you are required to complete 70 hours of practice driving (PDF), which must include 10 hours of night driving, and have held your learner's permit for at least six months. The first license issued to a new applicant who is between the ages of 16-20 is a juvenile provisional license for a period of two years. The provisional license is in effect for a full 2-year period as long as the first license that was issued occurred prior to the 21st birthday.

Licensing Timeline

In Maine, a teenager can begin the process with a learner's permit at the age of 15 years and 6 months. The permit authorizes supervised driving, typically with a licensed adult in the vehicle. Once you turn 16 years old and have held your Maine learner's permit for at least 6 months, you can apply for your intermediate driver's license. Before scheduling your driving test, make sure you have completed 70 hours of behind-the-wheel driving practice, including 10 hours at night.

GDL Restrictions

While considered a valid driver's license, a license issued to a minor holds certain restrictions for the first 270 days. The holder is not permitted to drive between midnight and 5 a.m. and cannot transport any non-family member passengers unless accompanied by an authorized supervisor. Carrying passengers other than immediate family members or a foreign exchange student living with the family unless accompanied by a licensed driver who is at least 20 years of age, has held a valid driver's license for two years and is sitting beside the driver. Those under age 18 may not operate a motor vehicle while using a cellphone or handheld electronic device.

Permit holding period: 6 months. Nighttime restriction: No driving midnight to 5:00 AM for intermediate license holders. Passenger restriction: No non-family passengers unless accompanied by licensed driver 20+ with 2+ years experience. Cell phone restriction: Prohibited for all drivers under 18. Supervisor requirement: Licensed driver age 20+ with 2+ years experience. Nighttime exceptions include: employment, school activities, emergencies. Passenger exceptions include: immediate family, foreign exchange students living with family, licensed driver 20+ present.

Insurance Requirements

The minimum required limits are $50,000 per person/$100,000 per accident for bodily injury, and $25,000 for property damage. A Combined Single Limit of $125,000 will also satisfy the minimum limit requirement. The law requires uninsured/underinsured motorist (UM) coverage at a minimum of $50,000 per person/$100,000 per accident. This coverage protects you and your passengers if the other driver responsible for the accident has no insurance, or if the other driver's limits are less than your UM limit. MedPay is required by law in Maine with a minimum coverage amount of $2,000.

Minimum liability limits: $50,000 bodily injury per person / $100,000 per accident / $25,000 property damage. Insurance system: at-fault. Uninsured/underinsured motorist coverage is required. Required at $50,000/$100,000 minimum; MedPay required at $2,000 minimum.

Insurance Considerations for Teen Drivers

Teen drivers in Maine typically face higher insurance premiums due to their inexperience and elevated risk profile. Maine's higher minimum coverage requirements, while providing better protection than many states, result in higher baseline premiums. However, Maine consistently ranks among the lowest-cost states for car insurance, which helps offset teen-specific increases. families typically compare quotes across multiple insurers as pricing for teen drivers varies significantly between companies.

Practice Paths to Licensure

Option 1: Driver education course required for under 18. 70 supervised hours required; 10 night hours required; driver education required; road test required.

Fees

Permit fee: $35. License fee: $35. License renewal $35 for 6 years under 65.