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Quick and efficient, compare motorcycle insurance quotes

Connect with one of our licensed brokers to compare personalized motorcycle insurance quotes today – we're here to help you get the best rate for all your coverage needs.

How to compare motorcycle insurance quotes with

  1. Share information

    Tell us a little about yourself and your motorcycle coverage needs.

  2. Compare quotes

    We'll show you personalized motorcycle quotes from Canada's top providers.

  3. Secure your policy

    Connect with one of our licensed insurance brokers to bind your customized bike policy.

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An introduction to motorcycle insurance in Canada

In Canada, motorcycle insurance works similarly to other types of auto insurance in that there are required coverages you need and optional coverages you can choose from. Depending on the province you live in, there are different rules and regulations. Understanding this can help you get the best motorcycle insurance rate (with the right level of coverage) for your personal situation.

Types of motorcycle insurance in Canada

Although mandatory motorcycle insurance requirements vary by province, you'll have the flexibility to personalize your policy with additional options, regardless of your location. Here's a brief overview of the primary coverages available for motorcycles in Canada.

Third-party liability

Accident benefits

Uninsured motorist

Direct compensation for property damage



Optional endorsements

How motorcycle insurance differs across Canada

Your motorcycle insurance policy will differ depending on the province you live in as each one has its own rules and regulations. Below, we break down the main differences, including each province's required and optional coverages.

Common motorcycle insurance policy add-ons

Motorcycle insurance add-ons allow you to customize your insurance policy to better suit your needs. While the specific add-ons available can vary by insurance provider, here are some popular options you can ask your broker about.

  • Acessories coverage

    This add-on covers the cost of repairing or replacing custom parts, accessories that aren't typically included on a standard bike.

  • Trailer coverage

    As a form of trailer insurance, this add-on extends coverage to any trailers you use to transport your motorcycle.

  • Personal effects coverage

    This is exactly what it sounds like – coverage for your personal riding items, such as your helmet and saddlebags.

  • Emergency roadside assistance

    In the event of a roadside emergency, this pays for expenses such as battery jumps, gas, and towing.

  • Trip interruption coverage

    This covers expenses related to lodging, meals, and transportation if your motorcycle breaks down during a trip away.

How much is motorcycle insurance in Canada?

The average cost of motorcycle insurance is about $1,600, but it can fluctuate based on a number of factors. For a better estimate, give us a call – we'll give you free, no-obligation quotes.


Recent motorcycle insurance quotes from

For reference, here are three different rates our users received after comparing personalized motorcycle insurance quotes with us. Keep in mind, again, that you won't know the exact cost you'll be paying until you take a look for yourself – so be sure to connect with one of our licensed brokers today.

  • $44/month

    68-year-old male

    riding a 2008 Yamaha V-Star 1100 Custom under Economical Insurance

  • $64/month

    61-year-old male

    riding a 2014 Honda Aero under Aviva Canada

  • $103/month

    30-year-old male

    riding a Royal Enfield INT650 under Wawanesa Insurance

Factors that your impact motorcycle insurance quote

Generally speaking, the more risk you and your bike bring, the higher your insurance rate will be. Here, we cover a few different factors insurers look at when calculating your personalized quotes.

Your bike

Age & demographics

License Class

Driving record


Type of coverage

Motorcycle insurance discounts

How to get the cheapest motorcycle insurance quotes

Securing affordable motorcycle insurance comes down to a combination of factors, including understanding the quoting process and limiting the overall risk you bring. Here are a few steps you can take to ensure you're getting the best rate on the market.

  1. Shop and compare

    Every year, you can compare quotes from multiple providers to see who will give you the cheapest motorcycle insurance.

  2. Increase your deductible

    The deductible is the amount you have to pay in the event of a claim. If you can afford a higher deductible, your insurance premiums will come down.

  3. Install anti-theft technology

    Your insurer may even reward you with discounts for installing technology that reduces the chance of theft. This also helps reduce the chances of you making a claim.

  4. Take a motorcycle course

    Insurers like to see safe riders when it comes to quoting, so graduating from an accredited motorcycle school can help reduce your rates substantially.

  5. Pay annual premiums

    While riding season may only last from May to October, most insurers offer annual policies while adjusting the price to account for limited-use periods. Paying the amount in full can help lower your total cost.

  1. Bundle insurance products

    If you have home, condo, tenant, or auto insurance, bundling policies together with one company can help you save money.

  2. Join the club

    Some insurance companies offer discounts to members of well-known motorcycle riders clubs. Also remember to ask about savings with union or alumni groups.

  3. Maintain a clean driving record

    Just like auto insurance, the best way to continually save money is to keep your driving record free from accidents and tickets.

  4. Choose your bike carefully

    Insurers look at the statistical risk factors related to your bike, so sports bikes, for instance, are generally quoted higher. And of course, higher CC bikes lead to higer rates.

  5. Get your full license

    Getting your full license will help you get the best rates on the market. Sometimes, insurers may not even quote you if you haven't graduated past a certain motorcycle license.

Ready to see your personalized motorcycle insurance quotes for free?

In just a few steps, we'll connect you with a licensed auto insurance broker who will guide you through the process of securing your personalized motorcycle insurance policy.

Frequently asked questions on motorcycle insurance

Do I need to get motorcycle insurance?

Do I need insurance for my Vespa?

Do I need insurance for my E-bike?

Do I need a motorcycle license to get insurance?

Do I need comprehensive motorcycle insurance?

Can I bundle my auto and motorcycle insurance?

Can I bundle my home and motorcycle insurance?

What do I need to know about M1 motorcycle insurance?

How much is motorcycle insurance in Ontario?

Can I get seasonal motorcycle insurance in Ontario?

Where can I find a motorcycle insurance broker in Ontario?