How much does motorcycle insurance cost in Quebec?
Summary
In summary
The price of motorcycle insurance in Quebec varies based on several factors. It is, therefore, not possible to estimate your insurance cost without considering the individual elements in your file.
To help you better understand the cost of your motorcycle insurance, here is a summary of the main factors considered:
| Factor | Potential effect on the premium |
|---|---|
| Young or less experienced rider | Higher premium |
| Rider who logs high mileage | Higher premium |
| Sports motorcycle or very powerful bike | Higher premium |
| Low-displacement motorcycle | Lower premium |
| Installation of certified security and protection measures | Lower premium |
Which motorcycle insurance is mandatory in Quebec?
In Quebec, mandatory motorcycle insurance includes two parts: a public plan managed by the SAAQ and private coverage for civil liability.
Minimum private civil liability
In Quebec, private motorcycle insurance must provide a minimum of $50,000 in civil liability. This insurance is intended to cover damage and injuries caused to another person and their vehicle in the event of an accident.
What the SAAQ public plan covers
The SAAQ public motorcycle insurance plan covers bodily injuries sustained in an accident. This coverage applies whether or not you are at fault.
Which factors change the price of motorcycle insurance?
Many factors are taken into account when calculating the cost of motorcycle insurance in Quebec.
Age, experience and driving record
As with car insurance, your insurer will consider your age, experience and driving record.
In general, younger or less experienced riders will pay more for motorcycle insurance. A driving record with demerit points or prior collisions will also increase the price of motorcycle insurance in Quebec.
These beginner motorcycles are an excellent choice to learn while choosing a model that often costs less to insure.
Type of motorcycle, power and value
Different types of motorcycles generally require an insurance premium adapted to their characteristics and typical use.
A sports motorcycle that delivers high power or is considered at higher risk of accident usually costs more to insure.
As with cars, a motorcycle with a higher market value will also carry a higher motorcycle insurance price.
Postal code, use and mileage
When calculating the price of motorcycle insurance in Quebec, insurers take your postal code into account, since some areas are considered higher risk.
In addition, commercial or recreational use typically leads to a higher premium. The same applies if you spend a lot of time on the road and rack up significant annual mileage.
Sports motorcycle, roadster, touring or custom: does the type of motorcycle change the price?
Yes, the type of motorcycle affects the price. However, each file is assessed individually, which makes it impossible to give a fixed motorcycle insurance price even if we know the type of bike you ride.
If you are looking for a lineup of motorcycles of all types and prices, check out the Triumph motorcycle price guide on the Motos Illimitées Montreal website.
Why are high-performance motorcycles often more expensive to insure?
Sports motorcycles are generally more expensive to insure because they are considered vehicles with a higher risk of accident.
High power and quick acceleration are among the criteria considered when insurers determine a vehicle's risk factor, and sports bikes are typically particularly capable models.
What coverage can be added to motorcycle insurance?
In addition to mandatory protections, you can add optional coverage to better protect your vehicle.
Collision, theft, vandalism and other damage
In Quebec, Chapter B coverage protects against most damage to your motorcycle and can also cover theft.
It is optional private insurance, and the price of this motorcycle insurance varies according to the same factors as mandatory coverage.
How to reduce the cost of motorcycle insurance?
There are a few ways to reduce your motorcycle insurance costs, regardless of the model you pick.
Compare quotes with the same coverage
The best way to lower the cost of your motorcycle insurance is to compare several quotes that include the same protections.
By comparing your options, you can find the most competitive price available at the time you insure.
Anti-theft, deductible, bundling and storage
There are several certified devices and protections, such as a GPS tracking system, that can be installed at home or on your bike to reduce risk in the eyes of insurers. Proof of installation can help reduce your premium by showing that your motorcycle benefits from additional protection measures.
What total budget should you plan before buying a motorcycle?
You cannot plan your budget solely based on the price of a Ducati motorcycle or Triumph. You should always factor in mandatory expenses tied to purchasing a vehicle.
Insurance, registration, gear and maintenance
In addition to the motorcycle's price, your budget should include insurance, any desired optional gear, annual maintenance and the registration of a motorcycle in 2027 in Quebec.
These additional costs will vary widely depending on the model. A more expensive bike typically leads to higher additional expenses.
Choose your motorcycle at Motos Illimitées Montreal
For buying or storing a motorcycle in Montreal, trust the expertise of Motos Illimitées Montreal, your dealership in Anjou.
FAQ
How much does motorcycle insurance cost in Quebec?
There is no single motorcycle insurance price. In 2025, the Groupement des assureurs automobiles (GAA) reported an average premium of $244. Since this is an average, your premium could be higher or lower.
Is motorcycle insurance mandatory in Quebec?
Yes, motorcycle insurance is mandatory in Quebec.
What minimum coverage is required?
You must have a minimum of $50,000 in private civil liability coverage.
Does a sports motorcycle cost more to insure?
Generally, yes. Sports motorcycles are more powerful and therefore generally considered to be at higher risk of accident, which makes them more expensive to insure.
Do you need to keep insurance during winter storage?
It is not mandatory, but it is strongly recommended to keep insurance even when the vehicle is not being ridden. Maintaining insurance helps protect your investment against certain financial risks.
In addition, renewing a policy that has lapsed may sometimes require a higher premium.