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Does Maine require a car insurance discount for drivers 55 and older?

Maine law says rate filings must include an appropriate discount for a principal operator who is an insured 55 or older and finishes an approved accident prevention course. It runs for 3 years after the course. A course a court or other agency requires you to take for a moving violation does not count.

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The rule, fact by fact

Rule
Section 2902-G, Discounted premiums for older driversCite section 2902-G when you ask your insurer about the discount.
Verified. legislature.maine.gov (opens state website) · checked Nov 13, 2026
Who needs it
Principal operator is an insured 55 or older who finishes an approved courseInsurers must build it into the rates they file with the state's insurance bureau.
Same source and date as above
Valid for
Effective for a 3-year period after the courseThe insurer may require a few things during those 3 years.
Same source and date as above

How to get it done

  1. Step 1. Check the principal operator of the covered vehicle. That person has to be an insured 55 or older.

  2. Step 2. Pick a course. Ask the provider to confirm that the Department of Public Safety, Bureau of Highway Safety approves it.

  3. Step 3. Take the course and finish it. We haven't confirmed whether Maine lets you take it online, so ask the provider and your insurer.

  4. Step 4. Tell your insurer you finished the course. For 3 years after it, the insurer may require any of these from you and any household member insured on the policy: no accident for which the insured is at fault, no moving violation, or no driver's license suspension.

Before you pay

Pay for a course only after you ask your insurer what it takes off. The law says the discount must be appropriate but gives no figure, so ask for the exact amount in writing.

Questions

Which coverages does the Maine discount apply to?

Liability, personal injury protection and collision, the law says.

Who gives me proof that I finished the course?

The group offering the course. The law says it must issue a certificate to a person who successfully completes the course.

How often do I take the course again?

Every 3 years. The law says an insured must pass an approved course that often to stay eligible for the discount.

What to do next

Ask your insurer before you pay. The full text is in the Maine statute.

legislature.maine.gov

Sources we read