In Quebec, riding a motorcycle is more than just a passion for the open road and freedom. It’s also a responsibility that comes with its share of obligations, particularly when it comes to insurance. Whether you’re an experienced rider or a new enthusiast, it’s essential to understand the current regulations and available protections to ride with peace of mind. 

Is motorcycle insurance mandatory in Quebec?

Yes, motorcycle insurance is mandatory for all motorcycle owners with vehicles registered in Quebec. This requirement consists of two distinct parts: public insurance, managed by the SAAQ, and private insurance that you must purchase from an insurer. 

Public insurance is automatically included in your annual registration fees. It covers bodily injuries sustained in a road accident, regardless of whether or not you were at fault. This means that if you are injured while riding, the SAAQ will compensate you for medical expenses and loss of income, no matter the circumstances. 

However, public insurance does not cover property damage — neither to your motorcycle nor to someone else’s property. This is why the law also requires every motorcyclist to hold private insurance with a minimum of $50,000 in civil liability coverage. This insurance is crucial for covering property damage you may cause to others in an accident. 

The protections offered by private motorcycle insurance

Beyond the mandatory civil liability coverage, several optional protections can be added to your policy to better protect your motorcycle and your investment. 

Among the most common are collision insurance, which covers repairs to your own motorcycle if you are responsible for an accident, and comprehensive coverage for non-collision-related risks such as theft, fire, vandalism, or damage caused by an animal. Some riders also choose to add protection for accessories or opt for replacement cost or agreed value coverage in case of total loss, which is especially useful for new or high-value motorcycles. 

It’s important to carefully read your policy, as certain exclusions may apply, particularly regarding commercial use, competitions, or undeclared modifications. 

What influences the cost of your insurance

The price of motorcycle insurance can vary greatly depending on your profile and the type of motorcycle you ride. A sport or high-performance bike will generally cost more to insure than a touring or cruiser model. Additionally, your age, driving experience, claims history, and even your place of residence can play a major role in determining your premium. 

For example, a young rider with little experience will often pay more than an experienced motorcyclist with a clean driving record. Likewise, living in a large city with a high theft rate can also increase your premium. 

Some companies offer discounts if you have completed a recognized safe riding course or if you insure multiple vehicles with the same insurer. 

Which types of motorcycles cost more or less to insure?

Not all motorcycles are viewed the same way by insurers. Generally speaking, sport bikes — often more powerful, lighter, and performance-focused — are the most expensive to insure. They are statistically more involved in accidents and more likely to be stolen, which explains the higher premiums. 

On the other hand, touring, cruiser, or standard motorcycles, which are more stable and typically used for relaxed riding, tend to have more affordable premiums. Scooters and mopeds, with their small engines and moderate urban use, are also among the least expensive to insure, especially for experienced riders. However, their popularity in urban centers can expose them to higher theft risks. 

As for motocross bikes, they are a special case. If they are not registered for road use (used only off-road or on private tracks), they are not subject to the same insurance requirements. Nevertheless, it is strongly recommended to insure them, especially for injuries or property damage they may cause. If you transport your motocross on a trailer or ride it on federated trails, specific insurance rules may apply. 

And what about scooters? Do they need insurance?

Yes, a scooter or moped with an engine size of 50 cc or more must be registered, and the rider must have a valid driver’s license. These vehicles also require civil liability insurance, just like a traditional motorcycle. Although they are often seen as less risky, scooters operate in dense urban environments, exposing them to various risks: collisions with cars, frequent theft, and changing weather conditions. Therefore, considering optional theft and collision coverage is a good idea, even if it’s not mandatory. 

Why shop around for motorcycle insurance?

As with any insurance product, it is highly recommended to compare offers before purchasing a policy. Prices and conditions can vary from one insurer to another, even for the same driver profile. By using a comparison tool like ClicAssure.com, you can quickly get several motorcycle insurance quotes tailored to your needs, completely free and with no obligation. 

Comparing not only allows you to save money but also helps you find coverage that truly fits your motorcycle, your riding style, and your budget. 

Conclusion

In Quebec, owning a motorcycle — whether it’s a scooter, motocross, or sport bike — comes with minimum legal insurance requirements. The SAAQ’s public insurance covers bodily injuries, but it is not enough to fully protect you. To be compliant and well-protected, you need civil liability insurance, and in many cases, additional coverage depending on the value, use, and type of your vehicle. 

As a motorcyclist, the better you understand your options, the better you can protect yourself. Before hitting the road, be sure to compare motorcycle insurance quotes on ClicAssure.com to ride with confidence.