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ATV Insurance Quote Quebec — Quad, UTV, Side-by-Side

Get your ATV insurance quote in 3 minutes. We compare 9+ Quebec insurers to find the best premium for your Can-Am, Polaris, Honda, Yamaha, side-by-side or UTV. Average savings: 15% to 30%.

ATV insurance Quebec — Can-Am quad on forest trail
$450
Average mountain bike premium
9+
Insurers Compared
3 min
Online Quote
15+ years
ORV QC Expertise

Your ATV, quad, side-by-side or UTV deserves insurance that truly covers the risks of off-road in Quebec. Whether it is used on the FQCQ federated trail, on your forest land, in an outfitter or in competition, Assur360 compares the best coverages on the market and negotiates your premium. Free quote, without obligation, in 3 minutes.

ATV Insurance Broker Quebec — White Quad

Why compare 9+ mountain bike belays?

The price differences between ORV (off-road vehicle) insurers reach $600 per year for the same quad, same coverage, same profile. Some insurers penalize competition, others refuse modified ATVs, others offer big discounts if you bundle with your car.

An Assur360 broker knows the strengths of each insurer — Intact, Aviva, La Capitale, SSQ, Desjardins, Beneva — and places your ATV with the one that offers the best price AND the best coverage for your type of use (trail, utility, sport, competition).

Compare 9+ Submissions

ATV Insurance Premium by Category (Quebec 2026)

Annual estimates — comprehensive coverage, 30-55 year old driver, clean record, winter storage.

Category premium$Can-Am Maverick X3$ $$
MTBSample TemplatesAnnualTypical Value
Honda Foreman, Yamaha Kodiak, Polaris Sportsman 450Utility Quad$350 – $650$8,000 – $13,000
Yamaha Raptor 700, Honda TRX450R, KTM 450 SXSport Quad / Motocross $500 – $9009,000 – $12,000
2-Passenger Side-by-Side, Polaris RZR Pro R$700 – $1,20022,000 – $35,000
Polaris Ranger XP, Can-Am Defender, Kawasaki Mule4-seater UTV / utility900 – $1,500$25,000 – $45,000
Can-Am Maverick R, Polaris RZR Pro R Ultimate$1,200 – $1,80040,000 – $55,000

Indicative premiums. Final price according to file, region, modifications, anti-theft, insurance grouping.

The 6 essential coverages of mountain bike insurance

Each insurer names its coverage differently. Here’s what Assur360 negotiates for your quad.

Civil liability

Mandatory on the FQCQ trail. $1M minimum recommended — protects if you injure a third party or damage property.

Collision and Rollover

Covers damage to your ATV from a collision, rollover, or fall on the trail.

All risks (theft, fire)

Protects against theft, fire, vandalism, natural disasters. Essential for ATVs parked in sheds.

Added equipment

Winch, lift kit, aggressive tires, aluminum handlebars, GPS, audio — specific coverage needed for mods.

Trailer and Equipment

Covers your ATV trailer, chains, tarps and trail equipment (shovel, saw, kit).

Roadside Assistance PHEV

Specialized towing from the trail or private land 24/7 — essential in case of a breakdown in the forest.

Your ATV quote in 4 steps

Simple, fast, no obligation — 100% online.

1

Form 3 min

Enter your mountain bike (make, model, year, cylinder capacity, use).

2

Comparison 9+ insurers

Our engine queries partner PHEV insurers.

3

Broker advice

An AMF broker explains the offers and negotiates.

4

Immediate coverage

Ready to drive: proof of insurance sent the same day.

💡 Assur360 Tip: Off-Road Seasonal Discount

Most insurers offer a 25% to 40% discount if your ATV is stored in a locked area in the winter (Nov–April). Clearly state the storage period when you submit your application.

Same tip on the other hand: if you use your quad 12 months/year (trapping, forestry work), mention it — some specialized ORV insurers offer a better rate for continuous use.

⚠️ Attention — VHR Quebec regulations

Since 2026, the Act respecting off-highway vehicles (OAHR) imposes: minimum civil liability, compliant helmet, minimum age 16 years old (class 6D license/apprentice), riding only on federated trails or authorized private land.

Fines: $350 to $1,050 for lack of insurance, up to $1,500 for impaired driving. Your Assur360 quote meets the LVHR requirements from the outset.

Ready to compare your mountain bike insurance?

Submission in 3 minutes. Average savings 15-30%. No commitment.

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ATV insurance broker throughout Quebec

Assur360 covers all ORV enthusiasts in Quebec — from the trails of the Laurentians, Lanaudière and Mauricie to the Abitibi-Témiscamingue network, including the Gaspésie, Saguenay–Lac-Saint-Jean, the Eastern Townships and the North Shore.

Frequently asked questions — ATV insurance Quebec

How much does ATV insurance cost in Quebec in 2026?
The average annual premium is between $350 and $1,400 depending on the type of ATV, value, use (trail vs. private land) and driving record. A standard utility quad costs $350-650, a sport/motocross $500-900, a 2-passenger side-by-side $700-1,200, a 4-seater UTV $900-$1,500. The Assur360 quote compares 9+ insurers to get the best price for your profile.
Is ATV insurance mandatory in Quebec?
The Act respecting off-highway vehicles (OAHR) requires a minimum civil liability to ride on the FQCQ federated trails. On private closed property, insurance is not mandatory — but highly recommended since your home insurance does not cover damage caused by an ATV in recreational use.
Can I ride an ATV with only liability coverage?
Yes, this is the legal minimum to ride on a federated trail ($500,000 or $1 million recommended). But without collision or theft, if your quad is stolen or damaged, you pay out of pocket. For an ATV over $5,000, comprehensive coverage is strongly recommended.
Which mountain bike brands does Assur360 insure?
We insure all brands: Can-Am (Outlander, Renegade, Maverick, Commander), Polaris (Sportsman, RZR, Ranger), Honda (Foreman, Rancher, Pioneer), Yamaha (Grizzly, Kodiak, Wolverine), Kawasaki (Brute Force, Mule, Teryx), Arctic Cat, CFMoto, Kubota, Kymco, Suzuki. No matter what model you have, we will find an insurer.
Is my mountain bike covered off trail (private land, competition)?
Standard coverage includes use on federated trails and on your private property. Organized competition (motocross, enduro, drag) requires a specific clause — many insurers exclude it by default. Mention this when you submit your claim to avoid a claim refusal.
How can I reduce the price of my mountain bike insurance?
Several levers: bundle with car/home (10-15% discount), install a recognized lock (5-10% discount), store in closed warehouse in winter (seasonal discount), increase the deductible to $500 or $1,000, maintain a clean driving record. An Assur360 broker identifies all applicable discounts.
Do I have to declare the modifications (tyres, suspension, lift kit)?
Yes. The modifications increase the value of the ATV and may affect the risk. Raised suspension, 3,500 lb. winch, 30″ tires, or exhaust must be declared. Omitting these changes may result in a denial of the claim or compensation reduced to the original value.
What is the difference between ATV, side-by-side and UTV?
The ATV (quad) has a single seat with handlebars, motorcycle style riding. The Side-by-Side (SxS) has 2 side-by-side front seats with steering wheel and pedals — like a buggy. The UTV (Utility Task Vehicle) is a utility side-by-side, often 4-seater with a tipper. The premium varies: 2-seater < SxS quad < 4-seater UTV, because of the value and number of occupants.

Other Recreational Vehicle Insurance

Why trust Assur360?

✓
AMF Certified BrokerAutorité des marchés financiers du Québec — Damage Insurance License.
✓
Member ChADChambre de l'assurance de dommages — continuing education, compliance, ethics.
✓
100,000+ quotes15+ years of expertise in recreational vehicle insurance in Quebec.

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3 minutes · 9+ Insurers Compared · Savings 15-30% · Zero Commitment

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