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Book a call with one of our brokers to compare motorcycle insurance quotes today. We're here to help you get the best rate for your riders coverage needs.

An introduction to motorcycle insurance in Canada

Matt Hands

Motorcycle insurance works much the same as car insurance in that there are mandatory and optional coverages. Depending on your province, there are slightly different rules and regulations. Knowing the requirements can help you get the best motorcycle insurance quote with the right level of coverage for your personal situation. 

There is also a graduated licencing for riders and not only will it dictate if you can legal ride a bike, it will also impact the motorcycle insurance rate you receive. There are four types of vehicles that require a motorcycle (M) class of licence to drive on public roads in Ontario: motorcycles, motor tricycles, limited-speed motorcycles (LSMs) and motor-assisted bicycles (mopeds). The are also different M licence types that are tied to the type of bike you want to ride - standard M class, M with condition L, M with condition M.

Make sure you get the coverage and licence type you need to ensure you can legally enjoy riding your motorcycle in Canada.

No-fault insurance

Motorcycle insurance in Ontario, Quebec, Atlantic Canada are no-fault provinces meaning you deal with your own insurer regardless of who’s at fault.

How to compare motorcycle insurance quotes on

  • Step 1: Share. some information

    Tell us a little about yourself and your motorcycle coverage needs

  • Step 2: Compare quotes

    Our insurance brokers instantly compare quotes from multiple providers to find you the best rate.

  • Step 3: Save money

    Choose your provider and secure your rate. We'll send you the insurance slip.

Mandatory motorcycle insurance coverage

Type of Coverage

Coverage Description

Third-party liability insurance

Covers you when you are held liable for injuries to others and damages to their property.

Accident benefits

Provides health coverage for your personal injuries related to an accident on top of the provincial health plan.

Uninsured motorist

Protection for when the other driver involved in an incident has no insurance.

Direct Compensation-Property Damage

Covers damage to your motorcycle when another driver is at fault. It's only available in Ontario, Quebec, Alberta, and Atlantic Canada. 


Optional motorcycle insurance coverage

Type of Coverage

Coverage Description

Collision insurance

Covers the cost to repair your motorcycle following an at-fault collision.

Comprehensive insurance

Protects your motorcycle when it’s parked from things like a tree falling on it or theft.

Specified perils

Allows you secure protection against individually named risks, such as lightning strikes or hurricanes.

All perils

Combines comprehensive and collision with a few extras coverages to boot. 

Roadside assistance 

Pays for battery jumps, gas when you’re stranded on empty and towing when your vehicle breaks down.

Trip interruption

Pays for the eligible expenses following an accident on a road trip (e.g. food, lodging, lost deposit, transportation, and towing).

Personal effects coverage

Covers extras on your bike like riding gear, saddlebags, and other accessories. 


Make sure your motorcycle is fully protected.

Request a motorcycle insurance quote from our brokerage partner today. It only takes a few minutes and the advice is free of charge!

Common motorcycle insurance endorsements

To further customize your policy you can look to add other optional coverages called endorsements. These coverage additions are offered through your provincial government using standard forms and are sold through your insurance agent or broker.

  • Coverage for transportation replacement (20): If your motorcycle requires repairs following an insured risk, this endorsement pays for your rental car while it’s in the shop. 
  • Liability for damage to non-owned automobiles (27): In other words, this is rental car insurance. It uses your existing coverage and puts it onto a rental vehicle while your bike is being repaired. 
  • Accident forgiveness (39): Protects your driving record or rating following an at-fault collision. In other words, your rates don’t increase after your first accident. 
  • Removing depreciation deduction (43): Removes the right for the insurer to depreciate a motorcycle’s value when settling an insurance claim. Replaces your bike with a brand new one, instead of giving you the depreciated current market value. 

Factors that impact motorcycle insurance quotes

Your bike

Age and other demographics

M License Class

Driving record


Type of coverage

Motorcycle insurance discounts

How much is motorcycle insurance in Canada?

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


How to get cheap motorcycle insurance

  1. Shop & compare

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

  2. Increase your deductibles

    A 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. Take a motorcycle training course

    Graduating from an accredited school can reduce rates substantially.

  4. Bundle existing policies

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

  5. 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.

  6. Join the club

    Some insurance companies offer discounts to members of well-known motorcycle riders clubs. Also remember to ask about your associations with unions or alumni, to see if there are further discounts.

  7. 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.

  8. Buy a lower CC bike

    Less power is a sure-fire way to reduce the cost of motorcycle insurance. But, it’s an expensive hobby. You might be better off waiting until you can afford the bike you want and its insurance.

  9. Pay premiums annually

    Riding season may only be May 1st to Oct 31st, but even if you want to cancel, you still owe the rest of your premiums. Save up, pay in one lump sum, and your insurer will thank you.



Frequently asked questions about motorcycle insurance

Do I need to get motorcycle insurance?

What do I need to know about M1 motorcycle insurance?

How much is motorcycle insurance in Ontario?

Do I need a motorcycle license to get insurance?

Do I need comprehensive motorcycle insurance?

Do I need insurance for my Vespa?

Do I need insurance for my E-bike?

Can I get seasonal motorcycle insurance in Ontario?

Can I bundle my auto and motorcycle insurance?

Can I bundle my home and motorcycle insurance?

Where can I find a motorcycle insurance broker in Ontario?

Author Bio

Matt Hands, Business Director of Insurance

Matt started his professional career at CARPROOF where he honed his marketing and analytical skills for over 3 years. Matt then took his wealth of experience to’s Toronto offices, working with insurance providers, agents, and brokers to grow and expand the Insurance business unit. He is a thought leader in the community and a valuable insurance resource to respected publications like the Globe & Mail, Toronto Star, Huffington Post, Yahoo News, and 680 news radio in Toronto.

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