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Mandatory coverage, graduated licences and seasonal riding.
Motorcycles need the same mandatory coverage as cars in your province, and in BC, Manitoba and Saskatchewan basic coverage comes from the public insurer. Premiums depend heavily on the bike type, engine size, your licence level and experience.
Ontario uses graduated M1, M2 and M licences, and other provinces have their own stages. Rider training courses, a clean record and secure storage all help, and some insurers price the riding season rather than the full year.
Or call +1 877 610 6554 · Monday to Friday, 9 a.m. to 6 p.m. ET
Who it’s for
Coverage
Liability, accident benefits and the other coverage your province requires.
Damage, theft and fire.
Some insurers cover helmets and protective gear.
Lower coverage while the bike is stored.
Before you buy
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Every request is matched with an advisor licensed in your province who compares insurers for you, explains the fine print and handles the application. No cost to you and no obligation to buy.
Learn before you buy
There is no official national average. The latest official figures put Ontario at $2,164 a year, Alberta at $1,903 and British Columbia at $1,358 for Basic and Optional coverage, each measured its own way. Here are all 13 provinces and territories and 15 cities compared.
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