Motorcycle insurance can be expensive – we’ll help you find the best rate

KBD is an Ontario motorcycle insurance broker with 40+ years of experience in the industry.

Leave it to us to find you the right Ontario bike insurance coverage at the best price.

Compare motorcycle insurance quotes from Canada’s top insurance companies
Ontario motorcycle insurance products we provide
Collision

Collision motorcycle insurance covers you in the event of an at-fault accident.

Comprehensive

Offers protection in the event of theft, vandalism, glass breakage, and more. Subject to a deductible.

Liability

This is a baseline insurance coverage you’ll find in all policies. It covers you for accidents that you’re not responsible for, or if you cause damages to a third party.

KBD clients say it best

More than 600 5-star review on
Leah N.
“Great service, very easy and well explained procedures and information needed for insurance. Jordan was great to work with, and had excellent communication skills. 10/10 recommend.”
Shawn B.
“Greg is always making sure all my insurance needs are covered. Excellent service and very responsive.. thanks again!”
Brian B.
“Great experience. As a new to Quebec driver who just bought a car I got my insurance processed over the phone in less than 20 minutes. Very efficient, easy to understand and good coverage.”

Need motorcycle insurance in Ontario? Get a quote today

Motorcycle insurance in Ontario - FAQ

What’s the cost of motorcycle insurance in Ontario?

Q: So, how much is insurance for motorcycles in Ontario?

A: On average, it costs Ontario residents around $2500 a year, which is pretty pricey. 

To put this into perspective, the provincial cost of car insurance is only around $1500. 

But there’s a simple explanation: the more risk you carry as a driver, the higher your premium will be. 

And according to the statistics, driving a motorcycle is risky. 

Check out the complete guide on motorcycle insurance costs here

Or if you’re ready for a quote, just give us a call. 

Call us.

What insurance is best for a motorbike?

There are 4 main ways you can lower your Montreal motorcycle insurance cost:

  1. Avoid making small claims – If you have 3 or more claims within 5 years, you will have a very difficult time finding affordable insurance.
  2. Raise your deductibles – The more you’re willing to pay out of pocket to have repairs done, the less expensive your Car Insurance will be.
  3. Bundle your motorcycle & residential insurance – You can save a significant amount when you combine insurance policies.
  4. Consider buying “one-way” coverage – Just be aware of the coverage and protections you’re missing out on by spending less.

Who has the cheapest motorcycle insurance in Ontario?

So, you’re wondering how to get cheap motorcycle insurance in Ontario?

Good question. 

The average cost of motorcycle insurance isn’t exactly cheap at around $2500 a year in Ontario. 

But there are a few tried and true things you can do to save, like: 

  • Drive safe
  • Avoid making claims 
  • Shop around & compare rates 

Ready for a motorcycle insurance quote?

Call us.

How to get seasonal motorcycle insurance in Ontario?

Your motorcycle insurance rate is already adjusted to accommodate the riding season. 

Since Ontario is covered in snow for half of the year, the fact that you won’t be riding for those months is already taken into consideration when setting your price. 

So, getting seasonal motorcycle insurance is as simple as getting a quote.

We’ll take care of the rest. 

Call us.

Why is motorcycle insurance so expensive in Ontario?

It’s not just Ontario. 

Motorcycle insurance is expensive Canada-wide. 

Why?

When you purchase insurance, companies consider how much risk you bring to the table – and driving a motorcycle is more hazardous than driving a car. 

For example, motorcycles riders face a few different risks: 

  1. High accident rates
  2. Higher fatality rates 
  3. Riders are more exposed to the elements

The more risk you carry, the higher the chance you’ll make a claim.

And claims are costly to insurance companies. 

So to balance things out, high risk insurance clients pay more.

Looking for the best motorcycle insurance rate?

Call us.

Do motorcycles need insurance in Ontario?

They sure do. 

Auto insurance is mandatory in the province of Ontario, and motorcycle insurance is no exception. 

Here are the four mandatory auto insurance coverages in Ontario that are automatically included in all policies. 

  • Third party liability: This covers you for responsible damages made to a third party. At a minimum, all drivers in Ontario have to carry $200k in third party liability insurance
  • Statutory accident benefits coverage: Provides coverage for income replacement, death and funeral expenses in the event of an accident. 
  • Uninsured automobile coverage: Pays out in the event that you’re injured or killed in an accident in which the responsible party is uninsured. 
  • Direct compensation property damage (DCPD): Covers damages to your car if you’re in an accident in which the other driver is at fault, and has Ontario insurance coverage in place. 

You can purchase different coverage amounts depending on your needs. There are also add-on coverages like collision and comprehensive insurance that you can opt in for. 

Not sure which motorcycle insurance coverage you need?

Call us.

How do I get a motorcycle quote?

Simple! You can give us a call today. 

There’s just a few things we’ll need to process your insurance policy. 

So make sure you have the following handy: 

  • Your driver’s licence
  • The make & model of your motorcycle
  • Your motorcycle specs (mileage, security features, etc.)
  • Your personal information (birthday, full name, marital status, address)

Once you’ve got your information on hand, you can give an insurance broker like KBD a call. 

We’ll find you multiple quotes to compare the best price and coverage for your motorcycle. 

Alternatively, you can call insurance companies yourself and shop around – but this method takes a bit longer.

Looking for motorcycle insurance quotes in Ontario?

Call us.

Can you drive a motorcycle without insurance in Ontario?

No sir (or ma’am), you cannot. 

Driving a motorcycle with insurance in Ontario is a no-go. 

Auto insurance is mandatory in Ontario, so if you want to be able to hit the road, you’re required to have the proper insurance in place. 

Need a quote?

Call us.

What’s the cheapest motorcycle to insure in Ontario?

So you’re shopping around for a bike and want the cheapest motorcycle insurance?

Generally speaking, motorcycle models that are considered “safe” will cost less to insure. 

So for example, models that are more expensive include bikes like:

  • Hot rods & sport bikes 
  • Bikes with high ccs

On the other hand, the least expensive models to insure include:

  • Standard bikes
  • Cruisers

That might be bad news if you want to rip around on a sportbike, but you can still find ways to save. 

And keep in mind that your motorcycle insurance rate depends on a few more factors that affect your premium. 

Give the team at KBD a call, and we’ll find the best motorcycle rate (& coverage) for you. 

Call us.

How to lower your motorcycle insurance premium?

Here are a few things that Ontario motorcycle riders can do to lower their monthly premiums. 

  1. Pass a rider training course
  2. Get a higher deductible
  3. Bundle your policies (ex: motorcycle and home insurance)
  4. Drive safe
  5. Avoid making claims 
  6. Shop around & compare rates 

Still have questions?

Call us.

What’s the cost of motorcycle insurance in Ontario?

Q: So, how much is insurance for motorcycles in Ontario?

A: On average, it costs Ontario residents around $2500 a year, which is pretty pricey. 

To put this into perspective, the provincial cost of car insurance is only around $1500. 

But there’s a simple explanation: the more risk you carry as a driver, the higher your premium will be. 

And according to the statistics, driving a motorcycle is risky. 

Check out the complete guide on motorcycle insurance costs here

Or if you’re ready for a quote, just give us a call. 

Call us.

Do motorcycles need insurance in Ontario?

They sure do. 

Auto insurance is mandatory in the province of Ontario, and motorcycle insurance is no exception. 

Here are the four mandatory auto insurance coverages in Ontario that are automatically included in all policies. 

  • Third party liability: This covers you for responsible damages made to a third party. At a minimum, all drivers in Ontario have to carry $200k in third party liability insurance
  • Statutory accident benefits coverage: Provides coverage for income replacement, death and funeral expenses in the event of an accident. 
  • Uninsured automobile coverage: Pays out in the event that you’re injured or killed in an accident in which the responsible party is uninsured. 
  • Direct compensation property damage (DCPD): Covers damages to your car if you’re in an accident in which the other driver is at fault, and has Ontario insurance coverage in place. 

You can purchase different coverage amounts depending on your needs. There are also add-on coverages like collision and comprehensive insurance that you can opt in for. 

Not sure which motorcycle insurance coverage you need?

Call us.

What insurance is best for a motorbike?

There are 4 main ways you can lower your Montreal motorcycle insurance cost:

  1. Avoid making small claims – If you have 3 or more claims within 5 years, you will have a very difficult time finding affordable insurance.
  2. Raise your deductibles – The more you’re willing to pay out of pocket to have repairs done, the less expensive your Car Insurance will be.
  3. Bundle your motorcycle & residential insurance – You can save a significant amount when you combine insurance policies.
  4. Consider buying “one-way” coverage – Just be aware of the coverage and protections you’re missing out on by spending less.

How do I get a motorcycle quote?

Simple! You can give us a call today. 

There’s just a few things we’ll need to process your insurance policy. 

So make sure you have the following handy: 

  • Your driver’s licence
  • The make & model of your motorcycle
  • Your motorcycle specs (mileage, security features, etc.)
  • Your personal information (birthday, full name, marital status, address)

Once you’ve got your information on hand, you can give an insurance broker like KBD a call. 

We’ll find you multiple quotes to compare the best price and coverage for your motorcycle. 

Alternatively, you can call insurance companies yourself and shop around – but this method takes a bit longer.

Looking for motorcycle insurance quotes in Ontario?

Call us.

Who has the cheapest motorcycle insurance in Ontario?

So, you’re wondering how to get cheap motorcycle insurance in Ontario?

Good question. 

The average cost of motorcycle insurance isn’t exactly cheap at around $2500 a year in Ontario. 

But there are a few tried and true things you can do to save, like: 

  • Drive safe
  • Avoid making claims 
  • Shop around & compare rates 

Ready for a motorcycle insurance quote?

Call us.

Can you drive a motorcycle without insurance in Ontario?

No sir (or ma’am), you cannot. 

Driving a motorcycle with insurance in Ontario is a no-go. 

Auto insurance is mandatory in Ontario, so if you want to be able to hit the road, you’re required to have the proper insurance in place. 

Need a quote?

Call us.

How to get seasonal motorcycle insurance in Ontario?

Your motorcycle insurance rate is already adjusted to accommodate the riding season. 

Since Ontario is covered in snow for half of the year, the fact that you won’t be riding for those months is already taken into consideration when setting your price. 

So, getting seasonal motorcycle insurance is as simple as getting a quote.

We’ll take care of the rest. 

Call us.

What’s the cheapest motorcycle to insure in Ontario?

So you’re shopping around for a bike and want the cheapest motorcycle insurance?

Generally speaking, motorcycle models that are considered “safe” will cost less to insure. 

So for example, models that are more expensive include bikes like:

  • Hot rods & sport bikes 
  • Bikes with high ccs

On the other hand, the least expensive models to insure include:

  • Standard bikes
  • Cruisers

That might be bad news if you want to rip around on a sportbike, but you can still find ways to save. 

And keep in mind that your motorcycle insurance rate depends on a few more factors that affect your premium. 

Give the team at KBD a call, and we’ll find the best motorcycle rate (& coverage) for you. 

Call us.

Why is motorcycle insurance so expensive in Ontario?

It’s not just Ontario. 

Motorcycle insurance is expensive Canada-wide. 

Why?

When you purchase insurance, companies consider how much risk you bring to the table – and driving a motorcycle is more hazardous than driving a car. 

For example, motorcycles riders face a few different risks: 

  1. High accident rates
  2. Higher fatality rates 
  3. Riders are more exposed to the elements

The more risk you carry, the higher the chance you’ll make a claim.

And claims are costly to insurance companies. 

So to balance things out, high risk insurance clients pay more.

Looking for the best motorcycle insurance rate?

Call us.

How to lower your motorcycle insurance premium?

Here are a few things that Ontario motorcycle riders can do to lower their monthly premiums. 

  1. Pass a rider training course
  2. Get a higher deductible
  3. Bundle your policies (ex: motorcycle and home insurance)
  4. Drive safe
  5. Avoid making claims 
  6. Shop around & compare rates 

Still have questions?

Call us.

Find more great motorcycle insurance here

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