To get the best motorcycle insurance in Canada, compare quotes, know your coverage options, ask for discounts, bundle policies, and pay upfront to save.
There are now over 750,000 registered motorcycles in Canada as of 2025, with the highest numbers found in Ontario and Quebec. The popularity of motorcycles continues to rise across the country, thanks to fuel efficiency, lower environmental impact, and pure riding enjoyment.
However, before you hit the road, it's essential to have valid motorcycle insurance. This isn’t just a legal requirement—it also protects you, your bike, and others around you.
But not all motorcycle insurance policies are created equal. Finding the best one takes research and insight into your options.
Fortunately, choosing the right coverage doesn’t have to be overwhelming. Armed with the right information, you can make a confident and informed decision.Here are 6 essential tips for choosing the best motorcycle insurance policy in 2025:
1. Learn About the Types of Motorcycle Insurance Available
Motorcycle insurance rates can vary greatly, and in 2025, insurers continue to use factors such as engine size, motorcycle value, location, and coverage level to determine premiums.
Understanding the different types of motorcycle insurance policies is crucial:
1.1 Liability Insurance
This covers injuries or property damage caused to others if you're at fault in an accident. It does not cover damage to your own motorcycle or injuries to you.
1.2 Economy Coverage
This option includes liability and may offer theft protection. You can often customize it to include guest passenger liability and uninsured motorist protection.
1.3 Complete Package
This is the most comprehensive option. It includes liability, theft, collision, and comprehensive coverage. It’s ideal if your bike is newer, high-value, or financed.
By knowing what each type offers, you can choose one that best suits your riding style and risk level.
2. Work with a Motorcycle Insurance Specialist
With more Canadians riding motorcycles than ever, the insurance industry has responded with niche experts who specialize in motorcycle policies.
A motorcycle insurance specialist can help you understand the fine print, identify hidden discounts, and compare products that match your budget and needs.
Ask fellow riders in your community or local motorcycle groups for recommendations. A trusted referral from someone with firsthand experience can go a long way in finding the right advisor.
3. Shop Around for Quotes
In 2025, it's easier than ever to compare motorcycle insurance quotes online. But many riders still make the mistake of choosing the first quote they get.
Use comparison tools to evaluate quotes from multiple insurers. Look beyond the price—check what coverage is included, the claims process, customer service ratings, and policy flexibility.
The cheapest quote may come with limitations or higher deductibles. Take time to compare thoroughly so you get the best value and peace of mind.
4. Look for Multi-Policy or Bundle Discounts
Already insured with a company for your home, auto, or life insurance? Many insurers offer multi-policy discounts for bundling your motorcycle insurance with existing policies.
While not all providers offer bundling, it's worth asking. In some cases, bundling can save you up to 25% on premiums.
If your current insurer doesn’t offer this option, it may be time to consider switching to one that does—especially if the savings are significant.
5. Pay Your Premium Up Front
In today's economy, budgeting matters. But if you can afford to do so, paying your motorcycle insurance premium in full is almost always more cost-effective.
Monthly payments often come with installment fees or interest charges. By paying upfront, you avoid these extra costs and might even qualify for a pay-in-full discount.
It’s a simple way to save more in the long run—just make sure to budget for the full payment in advance.
6. Ask about Bonuses and Discounts
In 2025, insurance providers offer a wide range of loyalty rewards and discounts—but they’re not always advertised.
Make sure to ask your insurer directly about any available discounts. These could include:
- Safe driver or accident-free discounts
- Good student discounts (if applicable)
- Seasonal or low-mileage use reductions
- Security system or anti-theft device discounts
- Membership perks from motorcycle clubs or organizations
Insurers may also offer first-time rider incentives or renewal bonuses. You won’t know unless you ask.
FAQs on Getting Motorcycle Insurance Policy
Got questions about motorcycle insurance in Canada? Here are the most common ones answered simply and clearly.
In all provinces and territories, liability insurance is the minimum requirement to ride legally. This covers damage or injuries you cause to others. Coverage limits vary by province.
In 2025, motorcycle insurance in Canada ranges from $600 to $2,000+ per year, depending on factors like your age, riding history, location, type of motorcycle, and chosen coverage.
Yes. Some insurers offer seasonal or lay-up insurance, which reduces your premium during off-season months when the motorcycle is not in use. You must still maintain basic coverage to stay insured.
Only if your policy includes guest passenger liability. This is not always standard, so make sure it’s included or added as a rider if you frequently carry passengers.
Common discounts include multi-policy bundles, good driving history, anti-theft devices, low annual mileage, and motorcycle training course completion. Always ask your insurer what you qualify for.
Finding the Best Motorcycle Insurance
Finding the best motorcycle insurance in Canada in 2025 is easier than ever if you know what to look for. While it requires a bit of time and comparison, the right policy can offer the coverage you need at a price you can afford.
Use these tips as a guide during your search. They’ll help you navigate the insurance market with confidence and ensure your next ride is as safe as it is thrilling.
To explore more tips about insurance—whether it’s for motorcycles, homes, life, or business—visit our blog.
You can also get a free quote from our website.
