{"id":67624,"date":"2026-05-22T00:02:57","date_gmt":"2026-05-22T04:02:57","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/2026-sports-motorcycle-insurance-prices-in-quebec-real-rates-by-engine-capacity-and-profile\/"},"modified":"2026-05-22T00:03:12","modified_gmt":"2026-05-22T04:03:12","slug":"2026-sports-motorcycle-insurance-prices-in-quebec-real-rates-by-engine-capacity-and-profile","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/insurance\/recreational-complete-coverage-for-your-rvs-motorcycles-and-more\/2026-sports-motorcycle-insurance-prices-in-quebec-real-rates-by-engine-capacity-and-profile\/","title":{"rendered":"2026 sports motorcycle insurance prices in Quebec: real rates by engine capacity and profile"},"content":{"rendered":"\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Article\",\"headline\":\"Prix assurance moto sportive au Qu\u00e9bec 2026 : tarifs r\u00e9els par cylindr\u00e9e et profil\",\"description\":\"Combien co\u00fbte une assurance moto sportive au Qu\u00e9bec en 2026 ? Tarifs r\u00e9els par cylindr\u00e9e (600, 1000 cc), profil et 5 leviers pour \u00e9conomiser 20-30 %.\",\"datePublished\":\"2026-05-21\",\"dateModified\":\"2026-05-21\",\"author\":{\"@type\":\"Organization\",\"name\":\"Assur360\"},\"publisher\":{\"@type\":\"Organization\",\"name\":\"Assur360\",\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2026\/03\/assur360-logo.png\"}},\"image\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2026\/05\/blog-moto-prix-sportive.jpg\",\"mainEntityOfPage\":\"https:\/\/www.assur360.ca\/blog\/assurance\/recreatif\/prix-assurance-moto-sportive-quebec-2026\/\"}\n<\/script>\n\n<img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/05\/blog-moto-prix-sportive.jpg\" alt=\"2026 Quebec sports motorcycle insurance price\" style=\"width:100%;max-width:1200px;height:auto;display:block;margin:0 auto 32px;border-radius:16px;\"\/>\n\n<p>How much does <strong>sports motorcycle insurance really cost in Quebec<\/strong> in 2026? The numbers vary wildly \u2014 from about <strong>$650<\/strong> for an experienced rider on a 600cc to more than <strong>$4,200<\/strong> for a young rider on a 1,000cc supersport. Here are the actual rates observed this year by Assur360&#8217;s partner firms and brokers, and the 5 levers that allow you to save <strong>20 to 30%<\/strong> without reducing your protection.  <\/p>\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">sommaire interactif<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #5b5b5b;color:#5b5b5b\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #5b5b5b;color:#5b5b5b\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/recreational-complete-coverage-for-your-rvs-motorcycles-and-more\/2026-sports-motorcycle-insurance-prices-in-quebec-real-rates-by-engine-capacity-and-profile\/#Prices-2026-by-engine-capacity-and-type-of-sports-car\" >Prices 2026 by engine capacity and type of sports car<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/recreational-complete-coverage-for-your-rvs-motorcycles-and-more\/2026-sports-motorcycle-insurance-prices-in-quebec-real-rates-by-engine-capacity-and-profile\/#Why-the-sports-car-costs-50-80-more-than-a-cruiser\" >Why the sports car costs 50-80% more than a cruiser<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/recreational-complete-coverage-for-your-rvs-motorcycles-and-more\/2026-sports-motorcycle-insurance-prices-in-quebec-real-rates-by-engine-capacity-and-profile\/#The-5-levers-to-save-20-30-on-your-sports-bonus\" >The 5 levers to save 20-30% on your sports bonus<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/recreational-complete-coverage-for-your-rvs-motorcycles-and-more\/2026-sports-motorcycle-insurance-prices-in-quebec-real-rates-by-engine-capacity-and-profile\/#Used-vs-new-sports-car-impact-on-the-premium\" >Used vs new sports car: impact on the premium<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/recreational-complete-coverage-for-your-rvs-motorcycles-and-more\/2026-sports-motorcycle-insurance-prices-in-quebec-real-rates-by-engine-capacity-and-profile\/#Frequently-asked-questions-%E2%80%94-Sports-motorcycle-insurance-prices\" >Frequently asked questions \u2014 Sports motorcycle insurance prices<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Prices-2026-by-engine-capacity-and-type-of-sports-car\"><\/span>Prices 2026 by engine capacity and type of sports car<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:24px 0;\">\n<table style=\"width:100%;border-collapse:collapse;background:white;border-radius:12px;overflow:hidden;box-shadow:0 2px 12px rgba(13,31,45,0.08);\">\n<thead><tr style=\"background:#0d1f2d;color:white;\"><th style=\"padding:12px;text-align:left;\">Cylinder capacity<\/th><th style=\"padding:12px;text-align:left;\">Examples models<\/th><th style=\"padding:12px;text-align:right;\">Profile 30+ years 10+ years licence<\/th><th style=\"padding:12px;text-align:right;\">Profile 18-25 years 0-3 years<\/th><\/tr><\/thead>\n<tbody>\n<tr><td style=\"padding:12px;border-bottom:1px solid #e2e8f0;\"><strong>250-400 cc<\/strong><\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0;\">Ninja 400, R3, RC390<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0;text-align:right;\">450-650 $<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0;text-align:right;\">1,200-1,800<\/td><\/tr>\n<tr style=\"background:#f8fafc;\"><td style=\"padding:12px;border-bottom:1px solid #e2e8f0;\"><strong>600-650cc<\/strong><\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0;\">YZF-R6, Ninja 650, MT-07<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0;text-align:right;\">$650-1,100<\/td>$<td style=\"padding:12px;border-bottom:1px solid #e2e8f0;text-align:right;\">2,100-$2,800<\/td><\/tr>\n<tr><td style=\"padding:12px;border-bottom:1px solid #e2e8f0;\"><strong>750-900 cc<\/strong><\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0;\">GSX-R750, MT-09, Tuono 660<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0;text-align:right;\">900-$1,500<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0;text-align:right;\">$2,800-$3,600<\/td><\/tr>\n<tr style=\"background:#f8fafc;\"><td style=\"padding:12px;border-bottom:1px solid #e2e8f0;\"><strong>1000 cc supersport<\/strong><\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0;\">YZF-R1, ZX-10R, GSX-R1000, Panigale V4<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0;text-align:right;\">$1,400-2,200<\/td>$<td style=\"padding:12px;border-bottom:1px solid #e2e8f0;text-align:right;\">3,400-$4,200<\/td><\/tr>\n<tr><td style=\"padding:12px;\"><strong>Hyper-naked \/ hypersport<\/strong><\/td><td style=\"padding:12px;\">Streetfighter V4, Tuono V4, BMW S1000R<\/td><td style=\"padding:12px;text-align:right;\">$1,800-2,800<\/td>$<td style=\"padding:12px;text-align:right;\">3,800-5,200<\/td><\/tr>\n<\/tbody>\n<\/table>\n<p style=\"font-size:13px;color:#64748b;margin-top:8px;font-style:italic;\">2026 indicative annual rates \u2014 Montreal\/Quebec sector, clean driving record, approved lock, winter storage included. Source: averages observed by Assur360&#8217;s partner firms. <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-the-sports-car-costs-50-80-more-than-a-cruiser\"><\/span>Why the sports car costs 50-80% more than a cruiser<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Canadian insurers classify motorcycles according to a risk score combining <strong>engine capacity, power-to-weight ratio and claims statistics<\/strong>. A Yamaha R1 (1000 cc, 200 hp, 200 kg) generates many more complaints than a Harley Heritage Classic (1,868 cc, 88 hp, 320 kg) \u2014 the former is designed for the track, the latter for cruising. The rate follows this ratio.  <\/p>\n\n<p>Supersport and hyper-naked vehicles enter the <em>&#8220;high-performance&#8221;<\/em> segment with most insurers (Intact, Beneva, Promutuel, Aviva, Echelon), with a <strong>markup of 40 to 80%<\/strong> compared to an equivalent roadster in terms of displacement.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-5-levers-to-save-20-30-on-your-sports-bonus\"><\/span>The 5 levers to save 20-30% on your sports bonus<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:18px;margin:24px 0;\">\n<div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:22px;border-top:3px solid #10c4c7;\"><h3 style=\"color:#0d1f2d;font-size:1.1rem;margin:0 0 10px;font-weight:700;\">1. SAAQ certified course<\/h3><p style=\"color:#475569;font-size:14px;margin:0;line-height:1.6;\">Gold Star Course or Recognized Motorcycle School: <strong>10-15%<\/strong> discount at most insurers.<\/p><\/div>\n<div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:22px;border-top:3px solid #10c4c7;\"><h3 style=\"color:#0d1f2d;font-size:1.1rem;margin:0 0 10px;font-weight:700;\">2. Multi-Fonts<\/h3><p style=\"color:#475569;font-size:14px;margin:0;line-height:1.6;\">Combining motorcycle + car + home with the same insurer: savings of <strong>8-12%<\/strong> on average.<\/p><\/div>\n<div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:22px;border-top:3px solid #10c4c7;\"><h3 style=\"color:#0d1f2d;font-size:1.1rem;margin:0 0 10px;font-weight:700;\">3. Higher deductible<\/h3><p style=\"color:#475569;font-size:14px;margin:0;line-height:1.6;\">Increase the collision deductible from $500 to $2,000: <strong>15-25%<\/strong> discount on the collision premium.<\/p><\/div>\n<div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:22px;border-top:3px solid #10c4c7;\"><h3 style=\"color:#0d1f2d;font-size:1.1rem;margin:0 0 10px;font-weight:700;\">4. Approved anti-theft device<\/h3><p style=\"color:#475569;font-size:14px;margin:0;line-height:1.6;\">Certified U-lock or Bike Trax \/ Monimoto GPS tracker: <strong>5-12%<\/strong> off the flight.<\/p><\/div>\n<div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:22px;border-top:3px solid #10c4c7;\"><h3 style=\"color:#0d1f2d;font-size:1.1rem;margin:0 0 10px;font-weight:700;\">5. Independent comparator<\/h3><p style=\"color:#475569;font-size:14px;margin:0;line-height:1.6;\">Compare 9+ insurers via <a href=\"https:\/\/www.assur360.ca\/en\/motorcycle-insurance-online-quote\/\" style=\"color:#10c4c7;\">Assur360<\/a> : typical savings of <strong>18-25%<\/strong> vs. direct insurer.<\/p><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Used-vs-new-sports-car-impact-on-the-premium\"><\/span>Used vs new sports car: impact on the premium<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>A $12,000 2019 R1 will cost about <strong>40% less<\/strong> to insure than a new $22,000 2024 R1 \u2014 the declared value determines the collision\/theft premium. Many experienced motorcyclists intentionally ride a <strong>3-5 year old sports bike<\/strong> to maintain performance with affordable insurance. <\/p>\n\n<p>Tip: If you&#8217;re buying second-hand, ask for an <strong>approved appraisal<\/strong> from a recognized shop. Some insurers (Promutuel, Beneva) accept an agreed value that protects against depreciation for 12 months. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-%E2%80%94-Sports-motorcycle-insurance-prices\"><\/span>Frequently asked questions \u2014 Sports motorcycle insurance prices<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<details style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;padding:16px 20px;margin-bottom:10px;\"><summary style=\"font-weight:700;color:#0d1f2d;cursor:pointer;\">Is it cheaper to insure a 600 cc than a 1000 cc supersport?<\/summary><p style=\"color:#475569;margin:12px 0 0;line-height:1.7;\">Yes \u2014 typically <strong>30-45% difference<\/strong>. A 600 cc (R6, ZX-6R, GSX-R600) is classified as less risky because it is less powerful. A 1,000 cc supersport is in the high-performance segment with automatic increase.  <\/p><\/details>\n<details style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;padding:16px 20px;margin-bottom:10px;\"><summary style=\"font-weight:700;color:#0d1f2d;cursor:pointer;\">Does a closed slope exclude my sports car?<\/summary><p style=\"color:#475569;margin:12px 0 0;line-height:1.7;\">Almost all policies exclude <strong>use on closed tracks<\/strong> (track days). If you drive on a track, ask your partner firm to add a rider or a separate track day policy (e.g., Coverwise, MotorSport Risk). <\/p><\/details>\n<details style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;padding:16px 20px;margin-bottom:10px;\"><summary style=\"font-weight:700;color:#0d1f2d;cursor:pointer;\">Do the modifications (exhaust, ECU, tyres) increase my premium?<\/summary><p style=\"color:#475569;margin:12px 0 0;line-height:1.7;\">Any <strong>changes declared<\/strong> to be value-added must be listed to the insurer. A $2,500 Akrapovic exhaust must be included in the equipment endorsement, otherwise it will not be covered in the event of a loss. Engine modifications (ECU, big bore kit) can make the motorcycle uninsurable with some insurers.  <\/p><\/details>\n<details style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;padding:16px 20px;margin-bottom:10px;\"><summary style=\"font-weight:700;color:#0d1f2d;cursor:pointer;\">What is the best insurer for sports cars in Quebec?<\/summary><p style=\"color:#475569;margin:12px 0 0;line-height:1.7;\">No insurer is always the cheapest for sports cars. The most competitive markets: <strong>Echelon, Aviva, Beneva, Promutuel<\/strong>. Assur360&#8217;s partner firms obtain rates ranging from 20 to 60% between insurers for the same profile.  <\/p><\/details>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:50px 24px;text-align:center;border-radius:12px;margin:48px 0;\">\n<h3 style=\"color:#ffffff;font-size:1.5rem;font-weight:800;margin:0 0 14px;\">On which model is your sports car insured?<\/h3>\n<p style=\"color:#94a3b8;font-size:1rem;max-width:560px;margin:0 auto 22px;line-height:1.6;\">Compare 9+ Canadian insurers in 3 minutes. No commitment, free quote. <\/p>\n<a href=\"https:\/\/www.assur360.ca\/en\/motorcycle-insurance-quote-5\/\" style=\"display:inline-block;background:#10c4c7;color:#0d1f2d;font-weight:700;padding:13px 30px;border-radius:30px;text-decoration:none;\">Get my quote\u2192<\/a>\n<\/div>\n\n<h3 class=\"wp-block-heading\">To go further<\/h3>\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.assur360.ca\/en\/motorcycle-insurance-online-quote\/\">Complete Guide \u2014 Motorcycle Insurance in Quebec<\/a><\/li><li><a href=\"https:\/\/www.assur360.ca\/en\/2026-yamaha-quebec-motorcycle-insurance\/\">Yamaha R1, R6, R7, MT insurance rates and tips<\/a><\/li><li><a href=\"https:\/\/www.assur360.ca\/en\/2026-ducati-quebec-motorcycle-insurance\/\">Ducati Panigale, Streetfighter, Monster Insurance<\/a><\/li><li><a href=\"https:\/\/www.assur360.ca\/en\/bmw-motorrad-quebec-motorcycle-insurance-2026\/\">BMW S1000RR, S1000R Insurance<\/a><\/li><li><a href=\"https:\/\/www.assur360.ca\/en\/motorcycle-insurance-broker-3\/\">Why use an independent comparison site<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>How much does sports motorcycle insurance cost in Quebec in 2026? Actual rates per cylinder capacity (600, 1000 cc), profile and 5 levers to save 20-30%. <\/p>\n","protected":false},"author":1,"featured_media":67625,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_seopress_analysis_target_kw":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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