Motorcycle insurance comparison Quebec 2026: prices, guarantees, savings
Motorcycle insurance comparison in Quebec
Find the best motorcycle insurance in minutes. Compare the prices of 11 brands with the brokers of our AMF-certified partner firms.
How it works
Form
Describe your motorcycle: make, model, year, engine capacity and intended use.
Comparison
The brokers of our partner firms compare offers from 15+ insurers for you.
Broker advice
An AMF-certified broker contacts you with the best options.
Save
Choose the ideal cover at the best price for your motorcycle.
Motorcycle Insurance Price Estimate by Brand — 2026
The table below presents an estimate of monthly motorcycle insurance premiums in Quebec in 2026, by brand and type of coverage. These prices are indicative ranges — your actual premium depends on your profile, experience, and zip code.
| Brand | Segments | RCA only ($2M) | All risks | Good to know |
|---|---|---|---|---|
| Honda | Sport/touring/CB/ADV | $25–40 | $60–110 | Reliability/moderate theft; affordable parts |
| Yamaha | MT/Tracer/R/ADV | $25–42 | $65–120 | MT-07/09 are highly rated; R6/R7 = +$ |
| Kawasaki | Ninja/Z/Vulcan | $27–45 | $70–125 | Popular ninja: higher risk of theft |
| Suzuki | GSX/V-Strom/Boulevard | $25–42 | $65–115 | V-Strom often favorable; GSX-R = +$ |
| Harley-Davidson | Cruiser/Touring | $30–55 | $85–150 | High value; accessories to be reported |
| BMW | Touring/ADV (GS)/Roadster | $32–58 | $95–170 | Electronics/ADAS = Costly Repairs |
| Ducati | Sport/Streetfighter/Multistrada | $35–65 | $110–195 | Value/Performance: Higher Premium |
| KTM | Naked/Enduro/ADV | $30–55 | $90–160 | Enduro/SMC: different claims experience |
| Triumph | Modern classic/Roadster/Touring | $28–50 | $85–150 | Good odds on Bonneville; sport = +$ |
| Can-Am (BRP) | Spyder/Ryker | $30–55 | $90–155 | Three-wheelers; often more stable profiles |
| Royal Enfield | Classic/Himalayan | $24–38 | $55–100 | Moderate power; low parts costs |
*Indicative monthly prices for the 2026 season. Your actual premium depends on your profile, your experience (class 6A/6B/6C), your postal code and your chosen coverage. Get your personalized quote.
How does the motorcycle insurance comparator work?
Our comparator allows you to compare offers from more than 15 partner insurers in a matter of minutes. Unlike direct insurers, the brokers of our partner firms work for you — not for a specific insurance company.
What our partner brokers’ brokers offer you
In addition to providing advice on coverage and warranties, the brokers of our partner firms provide you with information on prevention tools, regulatory changes that affect motorcyclists, and best practices in risk management. They analyze your file in depth to offer you the coverage that is perfectly suited to your real needs — not too much, not too little.
5 tips to reduce your motorcycle insurance premium
Courses recognized by the SAAQ can reduce your premium by 10 to 15%.
Going from $500 to $1,000 in deductible can lower your premium by 15 to 25 per cent.
A GPS lock or an approved device reduces the risk of theft and the associated premium.
Combining motorcycle + car + home with the same insurer often gives a multi-product discount.
A broker from our partner firms negotiates with 15+ insurers — it’s free for you.
In Quebec, the motorcycle season generally runs from April to October. Some insurers offer seasonal policies that suspend off-season collision coverage while maintaining liability and theft. Be sure to check with your insurer for winter storage conditions — improper storage can invalidate your theft coverage.
Motorcycle Insurance Anywhere in Quebec
Whether you ride in Montreal, Quebec City, Laval, Longueuil, Gatineau, Sherbrooke, Trois-Rivières or Saguenay, the brokers at our AMF-certified partner firms will find the best coverage for your motorcycle. Premiums vary by region — a motorcyclist in Montreal often pays more than in the regions due to the risk of theft and traffic density. Compare to save.
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Frequently Asked Questions — Motorcycle Insurance in Quebec
Who covers bodily injury in the event of a motorcycle accident?
The SAAQ covers bodily injury in Quebec (“no-fault” regime). Your private insurance mainly covers material damage (to others via civil liability and to your motorcycle if you add Section B – collision and specific risks).
How much does motorcycle insurance cost in Quebec in 2026?
The price depends on the cylinder capacity, the value of the model (sport/naked/touring), your experience (class 6A/6B/6C), your file, your postal code and the use (commuting, walking, travelling). On average, expect to pay between $25 and $195 per month depending on the brand and coverage you choose.
Is motorcycle insurance mandatory in Quebec?
Yes, civil liability insurance is mandatory to drive a motorcycle in Quebec (legal minimum of $50,000, but $2,000,000 is strongly recommended). Section B (collision, theft, fire) is optional but recommended, especially for new or high-value motorcycles.
What is the difference between RC alone and all-risk?
Civil liability alone (Section A) covers damage you cause to others. The all-risk adds Section B: collision (damage to your motorcycle in the event of an accident), theft, fire, vandalism and bad weather. For a motorcycle over $5,000, comprehensive insurance is generally recommended.
Are my motorcycle accessories covered?
It depends on your policy. Original accessories are usually included in the insured value. Accessories added after purchase (panniers, exhaust, GPS) often have to be declared separately to be covered. Ask your broker to add an endorsement for accessories — especially on Harley-Davidsons where accessories can be worth thousands of dollars.
How is my motorcycle insurance premium calculated?
Your premium is calculated based on several factors: type of motorcycle (sport vs. touring vs. cruiser), engine capacity, value, age and driving experience , your claims history, your postal code, intended use and the coverage you choose. Sport bikes systematically pay more than touring or cruiser.
Can I insure my motorcycle only for the season?
Yes, many insurers in Quebec offer seasonal policies (usually April to October). Out of season, collision protection is suspended but the liability and theft/fire coverage remain active if the motorcycle is stored properly. This is often more economical than a full annual policy.
Is a motorcycle insurance broker free?
Yes, the service of a motorcycle insurance broker is 100% free for you. The broker is paid by the chosen insurer. No hidden fees — you get the comparison of 15+ insurers without paying anything extra than if you went directly to the insurer.
Compare motorcycle insurance prices in 2 minutes
Free service, no obligation. The brokers of our AMF-certified partner firms compare 15+ insurers to find you the best motorcycle coverage.
