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2026 HARLEY-DAVIDSON MOTORCYCLE INSURANCE

Harley-Davidson Motorcycle Insurance Quebec — Compare 9+ Cruiser Insurers

Sportster, Road King, Street Glide, Fat Boy, Softail — the American cruiser emblem needs coverage that includes actual value, flight, original parts, and custom accessories.

Compare 9+ Free Quotes
$1,450
Average premium Harley-Davidson QC
9+
Insurers Compared
3 min
Online submission deadline
15+ years
Motorcycle expertise

Are you looking for Harley-Davidson motorcycle insurance at the best price in Quebec? Assur360 compares more than 9 insurers specializing in American cruiser & touring motorcycles and saves you up to 30% on your premium. Quote in 3 minutes, independent broker, 100% Quebec service.

Discover the brand in video

The world of Harley-Davidson in a few minutes

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Insurance prices per Harley-Davidson model in Quebec

Harley-Davidson Model EstimatedAnnual Bonus
Sportster S / Nightster$1,050 – $1,650
Softail Fat Boy / Heritage$1,200 – $1,950
Road King / Road Glide$1,350 – $2,100
Street Glide / Electra Glide$1,450 – $2,300
CVO Road Glide / Pan America$1,800 – $2,800

Indicative rates for a 30-45 year old driver, 5+ years of motorcycle experience, clean record, comprehensive coverage (B1) with $500-1000 deductible. Your actual premium depends on your profile, zip code, history and reported changes.

Insurance features for Harley-Davidson

Accessory values and chrome parts

Harley is the most personalized motorcycle in Quebec. An accessory endorsement (Vance & Hines exhaust, Mustang seat, Saddlemen saddlebags) is a must — the basic coverage often tops out at $1,500.

High risk of theft

The Sportster, Softail and Road King are in the top 10 of the most stolen motorcycles in QC. GPS tracker, anti-theft system and secure parking reduce the premium by 10 to 20%.

Replacement cost on recent models

Many insurers offer the 24-month replacement cost endorsement on regular model Harleys, which is crucial given the high depreciation in the first year.

Seasonal use April-October

In Quebec, Harley insurance is typically in winter suspension with spring restart. Theft + fire + hail coverage mandatory during storage.

Recommended Covers for Your Harley-Davidson

Civil liability (mandatory)

Minimum $1 million, recommended $2 million. Covers damage caused to others in the event of an at-fault accident.

Collision (B2)

Covers damage to your motorcycle in the event of a collision, whether you are at fault or not. Typical deductible $500-1000.

All risks (B1)

Collision + theft + fire + vandalism + hail + broken glass. Essential on new and premium models.

Accessories and equipment

Exhaust, fairings, suitcases, GPS, helmet, jacket. The base is capped at $1,500 — an endorsement required beyond that.

Replacement cost 24 months

Refund at the new price within the first 24 months of purchase — essential on new models.

Towing and assistance

Breakdowns, flat tires, accidents on the road — towing to a garage or home, often included for up to 100 km.

How to get your Harley-Davidson quote in 3 minutes

1

Enter your Harley-Davidson model and profile

Exact model, year, mileage, postal code, Class 6A license year, accident history and added accessories.

2

Our brokers compare 9+ insurers

Intact, Promutuel, Dalbar, April Marine, Northbridge, Aviva, Wawanesa, RSA, Economical — we solicit specialized motorcycle programs.

3

Receive 3 to 5 offers within a day

By email or phone. You choose the best offer based on price, coverage, and endorsements.

4

Insurance effective immediately

Payment, proof of insurance issued within 24 hours, SAAQ registration, you go riding with your Harley-Davidson.

💡 Advice from a specialist motorcycle broker

Before you buy Harley-Davidson insurance, compare at least 3 quotes. The spread between insurers can exceed $800/year for exactly the same coverage. Our brokers negotiate discounts for GPS trackers, MotoMentor courses, locks and multi-contracts (car + motorcycle + home) to optimize your total premium.

Assur360: your motorcycle broker throughout Quebec

Assur360 serves Harley-Davidson motorcyclists in all regions of Quebec: Montreal, Laval, Longueuil, Quebec City, Gatineau, Sherbrooke, Trois-Rivières, Saguenay, as well as all cities in Montérégie, Laurentides, Lanaudière, Estrie, Capitale-Nationale, Saguenay-Lac-Saint-Jean, Mauricie, Centre-du-Québec and Bas-Saint-Laurent. Our brokers are available by phone (1-866-357-4451), email (info@assur360.ca) and online to assist you in your choice of motorcycle insurance.

Frequently Asked Questions — Harley-Davidson Motorcycle Insurance

What is the average price of Harley-Davidson insurance in Quebec in 2026?
The average premium is between $950 and $2,600 per year depending on the model, the driver’s age and record. A beginner Sportster costs around $950 to $1,500. A Road King or Street Glide goes up to $1,300 to $2,100 for an experienced driver. CVOs and Pan America frequently exceed $2,400.
Why does insuring a Harley cost more than an equivalent Japanese motorcycle?
There are three reasons for this: (1) the replacement value of HD Genuine Parts is higher, (2) accessories and customizations inflate the insured value, (3) the theft rate is higher on popular models. A specialized broker will know how to minimize the premium by working with the right insurers.
Do I have to declare my accessories and modifications to my insurer?
Yes, absolutely. A Screamin’ Eagle exhaust, a big bore kit, a custom paint job or leather bags must be declared and covered by an “accessories and equipment” endorsement. Without this declaration, the insurer can refuse reimbursement or compensate only the value of the original part.
What deductible is recommended for a Harley?
For a new Softail or Road King, a $500 deductible offers the best balance. For a used Sportster, $1,000 saves 10 to 15% on the premium. Avoid deductibles over $1,500 that wipe out the interest of comprehensive coverage.
Do I need to install a lock to insure my Harley?
Highly recommended, sometimes mandatory. An approved GPS tracker (Boomerang, Tag Tracking) gives a discount of 10 to 20% and convinces reluctant insurers. For Fat Boy and Street Glide in urban areas (Montreal, Laval), some insurers require it.
Can I keep my Harley insurance in winter or is it suspended?
Most brokers offer a seasonal suspension (November to March) that retains theft, fire, vandalism, and hail coverage during storage, but removes liability. You save 40-60% over the 5 months of winter.
Does Assur360 cover Harley CVO and collection?
Yes. CVO Road Glide, Pan America and vintage models (Shovelhead, Knucklehead, Panhead) are insurable via our classic vehicle partners (agreed value, limited mileage, reduced premium). Contact us for a personalized quote.
How long does a Harley quote take at Assur360?
Less than 3 minutes online. You fill in the template, year, year of licence, file and postal code. Our brokers compare 9+ specialized motorcycle insurers and call you back within the day with the best offers. Free, no obligation.

Compare other motorcycle brands insured by Assur360

Why trust Assur360?

✓AMF certified firm
✓ChAD Member
✓100,000+ submissions processed
✓9+ motorcycle insurers compared
✓Independent broker
✓100% Quebec service

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Insure your Harley-Davidson at the best price in Quebec

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