Combien me coûte vraiment ma moto, mon VR, mon bateau ?
Achat, assurance, essence, entretien, remisage, immatriculation. Le vrai chiffre — par année, par mois, par sortie.
1. Mon véhicule
2. Coûts annuels
3. Financement (si applicable)
Coût annuel total
Simulation tool — indicative result
The figures displayed are averages and depend on your model, your use, your region, your driving record and your financial situation. For important decisions (purchase, financing, choice of insurance), consult an AMF-certified dealership, accountant or insurance broker .
Why the “true cost” is almost always double the purchase price
When you buy a motorcycle for $18,000, you often think about the sticky price — not the real cost over the 6 years you’re going to keep it. However, between depreciation, insurance, gas, maintenance, winter storage and SAAQ registration, the annual cost varies between $3,500 and $5,000. Over 6 seasons, that’s $21,000 to $30,000 — often as much as the purchase price itself.
Depreciation, the hidden cost
A new RV loses 20-25% of its value in the first year. A sport bike, up to 30%. This is often the biggest cost item — invisible until resale.
Fuel + short seasons
In Quebec, the useful season of a motorcycle is 6-7 months; a snowmobile, 3-4 months. The cost of use per outing is therefore very high for a vehicle that is not used much.
Specialized Maintenance
Marine engine winterization (~$600), RV wax, snowmobile belt, motorcycle tires at $1,200 a pair — these fees come up every year.
Average annual cost in Quebec — 2026
2026 estimates based on industry price, depreciation 6-10 years, driver 30+ with clean record. Insurance costs vary greatly by age and history — consult a broker for an exact figure.
💡 Broker Tip
Insurance accounts for 8 to 25% of the annual cost of a recreational vehicle — it’s the most optimal item. By comparing 3-4 specialized insurers, many Quebecers save $200 to $600 per year without sacrificing coverage.
Ask your broker to combine your motorcycle + RV + boat on one policy to take advantage of the multi-vehicle discount.
How to Reduce Annual Cost
🛡️ Combining your fonts
Car + home + recreational with the same insurer can give 10-25% off. A broker compares these savings between providers.
💰 Buy used 2-3 years
You avoid the initial depreciation drop (often 25-35%). Your annual cost over 5 years can drop by 30% or more.
🏠 Storage at home
If you have the space (garage, carport, land), you can save $200 to $800/year in commercial storage costs.
🤝 Share with a loved one
A two-family boat or RV (with a written agreement) halves the fixed costs — often the best “hack” for a little-used vehicle.
Frequently asked questions
Why does my RV cost as much as a cottage for rent?
Does the calculator take into account taxes and loan interest?
What is the most expensive position in a snowmobile?
How is boat insurance calculated?
Is buying a recreational vehicle a good investment?
Optimize the most controllable part: insurance
Compare the best premiums with AMF brokers specializing in recreational — motorcycles, RVs, boats, snowmobiles, quads.