You’ve just obtained your Class 6A licence in Quebec — congratulations. The next step: find motorcycle insurance that won’t cost you the price of a new motorcycle. Here is everything you need to know about motorcycle insurance for beginners in 2026, the real rates, the pitfalls to avoid, and the 4 brands that Assur360’s partner firms recommend for your first years.
Why Beginners Pay 2-3× More
The SAAQ statistics are clear: motorcyclists with less than 3 years of experience are involved in 4× more accidents per kilometre travelled than motorcyclists aged 10+. Insurers adjust their pricing accordingly — a 22-year-old beginner on a 600cc will pay an average of $2,100-2,800, compared to $650-1,100 for the same model driven by an experienced 35-year-old motorcyclist.
Prices starting 2026 per engine capacity
The 4 recommended brands to start with
Honda
CB500F, NC750X. Legendary reliability, beginner ergonomics, some of the lowest premiums.
Yamaha
MT-03, MT-07. Versatile roadster, raised position, gentle loss of value.
Kawasaki
Ninja 400, Z400. Compact format, accessible sporty, moderate premium for this aesthetic.
Suzuki
SV650, V-Strom 650. Proven mechanics, mechanically accessible, the icon of the beginner motorcycle.
3 mistakes to avoid in beginner motorcycle insurance
❌ 1. Choosing a 600 cc sports bike as your first motorcycle
Annual premium 3-5× higher than an equivalent 650 cc roadster. Insurers sometimes don’t even cover beginner supersports.
❌ 2. Hiding points of demerit
The insurer consults the SAAQ file. Any omissions can cancel your policy retroactively in the event of a claim.
❌ 3. Subscribe to the first quote received
The price difference between insurers for a beginner can reach 60-80%. An independent comparison tool is essential.
SAAQ certified course: -10 to -15% on your premium
Most Canadian insurers give a 10 to 15% discount to motorcyclists who have completed a recognized driving course: École de conduite moto Québec, Gold Star, Centre Conduite Plus. Course cost: $600-900. Return on investment in just 2-3 years. It’s also the best way to reduce your real risk of an accident.
Frequently Asked Questions — Motorcycle Beginner Quebec
Can you insure a motorcycle with a learner’s licence (class 6R)?
Yes — but the premiums are 20-40% higher than with a 6A license. Some insurers require a licensed supervisor on board or refuse altogether (Promutuel, sometimes).
Which franchise to choose for a beginner?
For a first motorcycle worth $5-8K: deductible of $500-1,000. Above $15K, deductible of $1,500-2,500 to reduce the premium by 15-20%.
Is there an advantage to staying with the same insurer after 3-5 years?
Yes: motorcycle loyalty (without claims) grants 5-10% with some insurers. But the savings by comparison are often higher — rebuild your quote every 2-3 years.
Does my car record affect my motorcycle insurance?
Indirectly: a good car record without demerit points demonstrates your reliability behind the wheel. Several insurers (Beneva, Intact) apply a multi-policy discount and take into account the consolidated file.
Submission starting in 3 minutes
Assur360’s partner firms find the best rates for young motorcyclists. Independent comparison tool — free, no obligation.
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