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Maine.gov > PFR Home > Insurance Regulation > Consumer Information > All Brochures > A Consumer Guide to Youthful Drivers
A Consumer Guide to
The Maine Bureau of Insurance
If you have a person under the age of 21 living in your home, you may have been thinking about letting him or her obtain a license to drive.
Since the wording in your policy provides automatic coverage for any family member or customary operator of your car, the insurance company can charge your policy for any licensed driver in your home. Under Maine law, the definition of a “driver’s license” includes a permit or privilege to operate a vehicle. Therefore, your insurer may begin to rate your young driver as soon as he or she has obtained a permit.
Exceptions to rating. Any licensed driver in your household will remain on your policy unless:
Who Can Drive?
Maine has revised its motor vehicle laws in recent years in an effort to reduce motor vehicle related fatalities and injuries suffered by young drivers and their passengers. Maine law allows drivers to be licensed at ages 16 and 17 with a driver’s education course, and at 18 without taking driver’s education.
After obtaining a learner’s permit, a driver under age 21 must continue using the permit for a minimum of six months before he or she can apply for a license and must complete at least 35 hours of driving training time with a licensed operator who:
Restrictions on the New License
A newly licensed driver under age 18 is issued a restricted license. For the first six months, he or she may not:
You may also have been thinking about the high costs of insuring a youthful driver. Once your teenager has a permit or license, your insurer will add him or her to your policy. If your teen does not have his or her own car and insurance, it is expected that he or she will operate your vehicle.
Choosing a car
If you are shopping for a car for your teen, discuss the type of car you have in mind with your producer. Sporty vehicles can have substantially higher insurance costs. In addition, a newer model will cost more to insure than an older model of the same vehicle. For older cars, you may be able to eliminate collision coverage. As insurers will not pay more for repairs than the book value of the car, after you pay the deductible, the cost of collision coverage may not be a good buy when compared to the potential settlement.
Know the Law
It is important for the new driver to be informed about the costs of insurance and the consequences of having violations and accidents. For example, Maine recently increased the penalties for youthful drivers who operate under the influence, especially if there are passengers under age 21 in the car.
You may also want to use a contract in which your youthful operator, for the privilege of using a car, signs a pledge to pay:
The agreement should also include a pledge stating:
A Young Driver Contract can be found on the Maine Motor Vehicle website at:
Although the Bureau can give general insurance information, and help when violations of insurance law have occurred, the Bureau cannot:
Visit the Bureau’s Website at:
Last Updated: August 12, 2013
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