Compare cheap motorcycle insurance quotes in Ontario

Like other types of auto insurance, motorcycle insurance is there to protect you financially from the various risks of operating a vehicle. In Ontario, there are a few mandatory coverages you'll need – which are the same mandatory coverages you can find on an Ontario car insurance policy. And you'll also have the option to customize your policy further for added peace of mind.

Here, we cover everything there is to know about motorcycle insurance in Ontario – understanding all the ins and outs will help you make the right decisions when shopping for coverage. When you're ready, be sure to connect with one of our licensed insurance brokers to compare all your options and secure your personalized policy.

As mentioned above, you'll need motorcycle insurance to ride your bike in Ontario. Similarly to car insurance, motorcycle insurance follows the vehicle, not the rider – so you're essentially insuring the bike itself when you purchase the policy. In most cases, you'll need to show proof of coverage before you can even register your bike. 

It's important to note, however, that many P&C insurance companies in Ontario won't provide coverage for M1-licensed riders. As a novice, you may want to hold off before purchasing your own bike – or you may need to shop around for an insurer that meets your needs. 

Some insurers also offer more unique policy add-ons to meet the specific needs of certain riders. While this will differ from provider to provider, here are a few popular options you can ask your broker about when shopping for your Ontario motorcycle insurance. 

The average cost of motorcycle insurance in Ontario ranges between $1,500 and $3,500 per year – and like auto insurance, there are many factors that go into your personal rate. Insurers like to see low-risk policyholders, so the more risk you bring, the more expensive your coverage will be. To find the exact cost you'll be paying, be sure to connect with one of our brokers and compare personalized motorcycle insurance quotes with us today.

Here, we cover some of the most important factors that contribute to the cost of your motorcycle insurance. Again, insurers like to see low-risk policyholders – so the more risk you bring (and the more coverage you want), the higher your rate will be.

While insurance companies are the ones to quote you, there are still many steps you can take to ensure you're getting the best rate possible (which we cover below). For more information on this topic, be sure to read our blog: How to get cheap motorcycle insurance in Ontario.

In Ontario, there are three main categories for motorcycle licenses (M, M-L, and M-M), and each one applies to a different type of motor vehicle. Here's a brief overview of the categories, so you can better understand the licensing system and choose the one that will suit your riding needs. 

Once you've turned 16 years old, you can apply for your motorcycle license in Ontario. The process consists of passing an eye test and a written test. This will get you your M1 license – which is a beginner motorcycle license.

To get your full license, you then need to finish two learning levels (either M1 and M2, M1 and M2-L, or M1 and M-M), plus pass two road tests. You have five years to graduate through the entire process. Otherwise, once the five years are up, you'll need to start all over again.

With an M1 or M2 license, you're still considered a novice rider – and therefore, you'll face a few restrictions on the road. Below, we cover a brief overview of what you need to know when holding one of these classes.