Quad (ATV) insurance in Quebec
Protect your quad at the best price
Do you own a quad, ATV or side-by-side? Compare the offers of several insurers with our AMF-certified brokers, 100% independent. Free quote from $200/year.
ATV insurance designed for the way you ride
Experience the freedom to ride wherever the trail takes you. Whether you’re riding on four wheels or working on muddy terrain, protection means more than just wearing safety gear and driving responsibly. It also means protecting you and your all-terrain vehicle with specialized insurance.
At Assur360, you have the best of both worlds: start your quote online and be advised by an experienced broker.
How it works
Fill out the form
Information about your quad bike and profile in minutes
Automatic comparison
We compare the offers of several specialist insurers
Advice from a broker
An AMF-certified broker contacts you with the best options
Save
Choose the ideal cover at the best price
Quad and ATV insurance in Quebec
Unlike some companies that treat an ATV as an add-on, we create specialized policies that recognize the unique hazards you face on rough terrain. Our coverage includes options that many home or auto insurance policies don’t offer.
In Quebec, your ATV must be registered with the SAAQ and covered by civil liability insurance to drive on public roads. The minimum coverage required is $50,000. On private trails or your own property, insurance is not legally mandatory, but it is highly recommended to protect you against accidents and damage to your vehicle.
Types of ATVs Covered
ATV insurance covers a wide variety of all-terrain vehicles: 4- and 6-wheeled ATVs, utility vehicles (ATVs), side-by-side or SSVs such as the Can-Am Maverick or Polaris RZR, buggies and other off-road vehicles. Some policies also cover dirt bikes in the same recreational coverage. Talk to your broker about eligible vehicles.
Liability coverage for quads
Quad liability insurance covers property damage caused to third parties in the event of an accident. In Quebec, the SAAQ compensates bodily injury through the public automobile insurance plan, but damage to other people’s property (fence, vehicle, property) is covered by your private insurance. The minimum coverage recommended by brokers is $1,000,000.
FQCQ trails
Yes, most quad insurance policies in Quebec cover use on trails approved by the Fédération québécoise des clubs quads (FQCQ). It’s important to check the territorial limits of your coverage with your broker, especially if you plan to use your ATV in other provinces. Membership in an FQCQ club can also give you access to certain insurance benefits.
Quad insurance rates by region in Quebec
The cost of ATV insurance varies between $200 and $600/year depending on your region and your vehicle. Here is an overview of the price ranges:
| Region | Price | RangeNotes |
|---|---|---|
| Montreal / Laval | $350 – $600/year | Higher premiums due to the risk of theft |
| Quebec / Saguenay | $250 – $450/year | Direct access to FQCQ trails, competitive rates |
| Trois-Rivières / Sherbrooke | $225 – $425/year | Extensive trail network, specialist insurers |
| Gatineau / Rimouski | $200 – $400/year | Advantageous rates, network of AMF-certified insurers |
| Drummondville / Regions | $200 – $375/year | Best rates, recreational and utility |
What to do in case of an accident with your quad bike
In the event of an accident with your quad, follow these steps:
| Step | Action |
|---|---|
| 1. Safety | Make sure everyone is safe and call 911 if necessary |
| 2. Injured | Do not move the injured unless there is immediate danger |
| 3. Documentation | Document the scene with photos and note the contact information of witnesses |
| 4. Authorities | Report the incident to the appropriate authorities (police or SAAQ if on public roads) |
| 5. Claim | Contact your Assur360 broker within 24 hours to report the claim |
Why trust Assur360?
ChAD Members
Chambre de l’assurance de dommages du Québec
100,000+ Submissions
Thousands of Quebecers trust us every year
Quad insurance anywhere in Quebec
Our ATV insurance brokers serve all regions of Quebec, including Montreal, Quebec City, Laval, Gatineau, Sherbrooke, Trois-Rivières, Saguenay and Drummondville. Whether you ride on the FQCQ’s trails or on your own property, get a quote tailored to your region.
Frequently asked questions — Quad and ATV insurance
Is ATV insurance mandatory in Quebec?
In Quebec, your ATV must be registered with the SAAQ and covered by civil liability insurance to drive on public roads. The minimum coverage required is $50,000. On private trails or your own property, insurance is not legally mandatory, but it is highly recommended to protect you against accidents and damage to your vehicle.
How much does ATV insurance cost in Quebec in 2026?
The cost of ATV insurance in Quebec varies between $200 and $600 per year. The premium depends on the vehicle’s engine capacity and value, your age and driving experience, the coverage you choose and your region. High-performance sport quads and side-by-side bikes usually have higher premiums. Compare multiple insurers through an independent broker to get the best price.
What types of ATVs are covered by ATV insurance?
ATV insurance covers a wide variety of all-terrain vehicles: 4- and 6-wheeled ATVs, utility vehicles (ATVs), side-by-side or SSVs such as the Can-Am Maverick or Polaris RZR, buggies and other off-road vehicles. Some policies also cover dirt bikes. Talk to your broker about eligible vehicles.
Does my home insurance cover my quad?
No, your home insurance does not usually cover your quad bike in the event of an accident or theft. It can only cover the quad when it is stored in your garage (and only against certain risks such as fire), but not when it is in use. Your ATV requires a separate ATV insurance policy to be adequately protected.
What does ATV liability insurance cover?
Quad liability insurance covers property damage caused to third parties in the event of an accident. In Quebec, the SAAQ compensates bodily injury through the public automobile insurance plan, but damage to other people’s property (fence, vehicle, property) is covered by your private insurance. The minimum coverage recommended by brokers is $1,000,000.
Does ATV insurance cover FQCQ trails?
Yes, most quad insurance policies in Quebec cover use on trails approved by the Fédération québécoise des clubs quads (FQCQ). It’s important to check the territorial limits of your coverage with your broker, especially if you plan to use your ATV in other provinces.
How can I reduce my mountain bike insurance premium?
There are several strategies to reduce your ATV insurance premium: bundle your ATV insurance with other policies (car, home) with the same insurer, take a certified off-road driving course, install an approved anti-theft device, increase your deductible if you have sufficient savings, and compare offers from several insurers via an independent broker such as Assur360.
What should I do in case of an accident with my quad?
In the event of an accident with your ATV: 1) Make sure everyone is safe and call 911. 2) Do not move the injured unless there is immediate danger. 3) Document the scene with photos and note the contact information of witnesses. 4) Report the incident to the appropriate authorities. 5) Contact your Assur360 broker within 24 hours to report the claim.
Related articles
Notes: Certain conditions, limitations and exclusions apply to the offers listed. The information found on this website is provided for informational purposes only. Your insurance policy prevails at all times.
Protect your quad at the best price
Our AMF-certified brokers compare several insurers to find you the best ATV coverage in Quebec.