2026 Quebec Motorcycle Insurance: Compare and Save

Assur360 is an AMF-certified brokerage firm that compares your motorcycle insurance among 9+ partner insurers in Quebec. Our independent brokers (ChAD members) find you the best protection for your motorcycle — sport, touring, cruiser, dual-sport or antique — in less than 3 minutes. 100% free and non-binding quote.

On-Road Motorcyclist — Assur360 Motorcycle Insurance

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Motorcycle Insurance in Quebec

Motorcycle insurance in Quebec covers civil liability ($1-2 million), vehicle damage (collision/fire/theft), and protective equipment (helmet, clothing). The SAAQ covers bodily injury.

Seasonality: Many insurers offer a 30-50% discount on winter storage (November to April). Mention your period of use to save.

2026 QUEBEC MOTORCYCLE INSURANCE

Compare 9+ insurers and save up to 40%

Quote in 3 minutes, free of charge, without obligation. A broker calls you back the same day.

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9+
Insurers Compared
4 500+
Motorcycle Quotes / Year
3 min
Form Time
100 %
Free & without obligation

Why insure your motorcycle with an Assur360 broker

An independent motorcycle insurance broker works for you, not for an insurer. It compares the programs of more than 30 companies to find the combination of protection + price that exactly matches your profile and your use.

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Real savings

By comparing several specialized motorcycle insurers, our customers save an average of $180 to $420 per season vs. a direct quote.

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Expert advice

Collision coverage, accessories, motorcycle equipment, replacement cost: a broker explains each clause and adapts the policy to your engine capacity and experience.

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Accompanied Claim

In the event of a fall, collision or theft, your Assur360 broker guides you through the claims process and defends your interests with the insurer.

Types of motorcycles covered by Assur360

We insure all categories of motorcycles registered in Quebec, with specialized programs depending on the use and model.

🏁 Sport Bike

Yamaha R6, Kawasaki ZX-6R, Honda CBR, Ducati Panigale. Insurance adjusted to the rider’s displacement and experience.

🛣️ Motorcycle touring

Honda Gold Wing, BMW K1600, Yamaha FJR. Long distance coverage + accessories (suitcases, GPS, intercom).

🤠 Motorcycle cruiser

Harley-Davidson, Indian, Honda Shadow, Yamaha V-Star. Replacement cost and coverage customizations.

🏔️ Dual-sport / adventure

BMW GS, KTM Adventure, Yamaha Ténéré. Road and off-road use, hiking equipment included.

🔧 Custom Motorcycle

Bobber, chopper, café racer modified. Approved appraisal and spare parts coverage.

🕰️ Antique / Classic Motorcycle

25 years and +: specialized antique motorcycle program, collector’s value.

How to get your motorcycle quote in 3 minutes

1

Fill out the form

Make, model, year, engine capacity, use (leisure or travel) and your driving history. 3 minutes flat.

2

We compare 9+ insurers

Our team interviews specialized motorcycle programs to isolate the best offer according to your profile.

3

A broker calls you back

On the same working day: explanation of coverage, adjustment of the deductible, advice on how to lower the premium.

4

Effective immediately

Electronic signature, proof of insurance by email in minutes. You hit the road without delay.

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Expert tip: lower your premium by up to 35%

Recognized motorcycle driving courses (Tecnic School, FCMQ): 5 to 15% discount. Locked garage + U-lock or alarm: 5 to 10%. Seasonal policy (May-Oct): saves 20-30% vs. annually. 3-year claim-free file : up to 20% loyalty discount.

Bundle your car and home insurance with your motorcycle to get an additional 5-15% multi-product discount.

2026 motorcycle insurance rates in Quebec

The premiums vary according to the engine capacity, the type of motorcycle, the age of the rider and his record. Here are the ranges observed by our customers in Quebec in 2026 (May to October season, experienced driver, clean record).

620 cruiser 840 1,480 940 820 480
Type of motorcycleDisplacementSeason Premium*Annual Premium*
Cruiser / standard500-800 cc$380 – $$540 – $880
Powerful1,000 cc +$520 – $$720 – $1,180
Sport600-1000 cc$780 – $$1,080 – $2,100
Tourism1,200-1,800 cc$560 – $$780 – $1,320
Dual-sport / adventure650-1,300 cc$480 – $$680 – $1,160
Antique / Classic25 years +$220 – $$320 – $680

*2026 Indicative Rates for Liability $2M + Collision + Theft. Get your exact price in 3 minutes.

TAILOR-MADE PROTECTION

Your exact motorcycle premium in 3 minutes

Displacement, use, garage, mileage — every detail is taken into account for the best price.

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Motorcycle insurance throughout Quebec

Assur360 serves motorcyclists in all administrative regions of Quebec. Whether you drive in an urban or regional environment, we adapt your coverage to the local road network. Our programs are offered in Montreal, Quebec City, Laval, Gatineau, Sherbrooke, Trois-Rivières, Saguenay, Thetford Mines, as well as in Mauricie, Estrie, Bas-Saint-Laurent, Outaouais, Chaudière-Appalaches, Lanaudière, Laurentides and Montérégie.

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Frequently Asked Questions — Motorcycle Insurance Quebec

Is motorcycle insurance mandatory in Quebec?
Yes. The Quebec Highway Safety Code requires a minimum civil liability of $50,000 for any registered vehicle, including motorcycles. The vast majority of motorcyclists choose a limit of $1 million to $2 million, as $50,000 is largely insufficient in the event of a third-party injury.
What is the average price of motorcycle insurance in Quebec in 2026?
The annual premium ranges from $320 for an antique motorcycle to $2,100 for a new 1000 cc sport bike driven by a rider under 25 years old. The Quebec average is around $720 per year for comprehensive coverage ($2 million liability, collision, theft).
What does motorcycle insurance cover in Quebec?
A comprehensive motorcycle policy includes civil liability (damage to third parties), collision (damage to your motorcycle), collisions (theft, fire, vandalism), and optionally the motorcyclist’s equipment (helmet, leather, boots, gloves) and accessories (GPS, luggage, intercom).
Can I insure my motorcycle just for the summer season?
Yes. Most insurers offer seasonal policies that are active from May to October (or according to the SAAQ registration date). Out of season, a “winter discount” cover protects against theft and damage (fire, vandalism) in a closed garage, at a fraction of the price of the summer premium.
Is my motorcycle equipment covered in the event of an accident?
Motorcyclist’s equipment (helmet, jacket, boots, gloves, protection) is covered as an option with most insurers, with limits of $1,500 to $5,000. This coverage is generally added for $35 to $75 per year and applies even when you are a passenger on another motorcycle.
How can I reduce my motorcycle insurance premium?
The most effective strategies: take a recognized motorcycle driving course (5-15% off), store the motorcycle in a locked garage, install a U-lock or GPS alarm, choose a higher deductible ($500 to $1,000), bundle with your car or home insurance, and keep a clean driving record.
Does the SAAQ cover motorcycle accidents?
Yes. The SAAQ covers the bodily injuries of any motorcyclist who is the victim of a road accident in Quebec (compensation, care, loss of income), whether the accident is caused by the motorcyclist or by a third party. However, the SAAQ does NOT cover material damage to your motorcycle or your liability for other people’s property: your private insurer takes over.
Can I insure my modified or custom motorcycle?
Absolutely. Modified motorcycles (bobber, café racer, chopper) can be insured with an approved evaluation that documents spare parts, engine modifications and aesthetics. Always declare your modifications: an undeclared motorcycle risks the refusal of a claim. We work with specialized insurers for customs.
How long does it take to get my proof of insurance?
After validation of the form and electronic signature, your certificate of insurance arrives by email in a few minutes. You can register your motorcycle with the SAAQ or pick it up at the dealership the same day.

Why trust Assur360?

AMF certified firm
ChAD Broker Members
9+ insurers compared
100,000+ submissions processed
100% independent firm
Service in all regions of QC

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