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Motorcycle insurance Ontario

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Motorcycle insurance Ontario

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Motorcycle Insurance Quotes in Ontario 

Ready to hit the open road on your motorcycle? Before you head out on your next adventure, ensure you have the proper insurance. In Ontario, it’s illegal to operate a motorbike on public roadways without an insurance policy. Nothing beats Ontario’s scenery, and we understand why so many motorcyclists like to call this province their home. Make sure you’re safe on the road by securing a motorcycle insurance policy wherever you ride in Ontario.  

Sharp Insurance serves you. Our innovative solutions help you get better insurance coverage for an affordable price. Get a quick motorcycle insurance quote today.

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How to Get Optimal Insurance Coverage for your Motorcycle in Ontario  

In Ontario, motorcycle insurance is required by law to ride your bike on public roadways. Your typical motorcycle insurance policy includes mandatory and optional insurance options. 

Ontario Mandatory Motorcycle Insurance:  



Liability coverage

Covers costs on your behalf if you damage someone’s property or injure someone while operating your bike.

Direct compensation

This coverage pays for damages to your car and its contents if you’re not at-fault in an accident.

Accident benefits

No matter who is deemed at-fault, accident benefits may compensate you, your passengers and pedestrians after an accident. 

Uninsured or underinsured coverage

If you get into an accident with an uninsured driver who is at-fault, or you’re the victim of a hit and run, this coverage may pay for medical costs and damages.

Ontario Optional Motorcycle Insurance Coverage

Collision coverage

If your vehicle is involved in a collision with another vehicle or an object like a streetlamp, this coverage covers repair expenses. 

Comprehensive coverage

If your motorcycle is damaged because of an insurable peril (e.g., hail damage, fire), comprehensive coverage can cover the cost of repairs.

Specified perils coverage

This coverage protects your motorcycle from limited perils, such as fire, flood, hail, theft and more. 

All perils

A broad level of coverage includes all perils coverage, which combines comprehensive and collision/upset coverage for your ride. 

How to Get Affordable Motorcycle Insurance in Ontario

While Ontario’s vehicle insurance rates are on the higher end of the spectrum, your premium depends on many factors, including which city you live in. While motorcycle rates may seem steep, Sharp Insurance uses its expertise and connections in the industry to get you affordable rates without slashing coverage.

What Determines your Motorcycle insurance Rate in Ontario?

The average price of motorcycle insurance in Ontario ranges from $1,500 to $3,000 per year. However, your insurance rate can fluctuate based on several factors which are all weighed differently between different providers. Those variables include:

  • Demographics: Age, gender and marital status can influence how much you pay for insurance.
  • Location: If you live in an area with high crime rates or a densely populated area, you’ll pay more for your insurance.
  • Driving record: If you’ve been involved in numerous at-fault accidents, have plenty of speeding tickets or a conviction on your record, your rates will be higher.
  • Coverage limits: The more coverage you have, the higher your limits, the more you’ll pay.
  • Condition of bike: The make, model and age of your bike can determine your premium amount.  Typically, newer bikes in good condition may have lower premiums.
  • Discounts: Any discount you may be eligible for will impact your rate. Discounts include loyalty, group and bundling two policies.

If you’re looking for a more accurate assessment of your premium, get a free, online motorcycle insurance quote today.

Ontario Motorcycle Insurance FAQs

Want to eliminate your research to get the lowest motorcycle insurance rate in Ontario? Our FAQ section helps you find the information on coverage options and rates you’ve been looking for. For a few insurance quotes to get you started, contact one of our knowledgeable brokers.

It depends. Some modifications you do to your motorcycle will not be covered by your insurance, no matter what. It’s always important to keep your Ontario motorcycle insurance broker and insurer updated on any modifications you make, or plan to make, on your bike to ensure you’re covered.  

It can be daunting to buy motorcycle insurance in Ontario, which has the third-highest vehicle insurance rates in Canada. 

 Below are six tips to help save you money on your insurance policy and get you on the road care-free.  

  • Ask about eligible discounts. 
  • Reduce coverage in the colder months. Your broker will help you determine what coverage you should keep and what you can do without. 
  • Buy a bike with a high safety rating and moderate overall horsepower. Bikes with higher-than-average top speeds tend to have more expensive premiums. 
  • Drive safely. Keep your record clean. 
  • Take a defensive driving course. 
  • Work with a Sharp broker. Our brokers shop around to get you the best rates.

If your motorcycle is not being driven in the winter, then you can safely reduce your insurance coverage options. However, it is highly recommended you continue to maintain comprehensive coverage even on a bike that is not being used so it still has protection against weather damage, theft and vandalism.

If your moped or scooter is being operated on public roadways, you would get an insurance policy the same way you would for your motorcycle. Get a free online motorcycle insurance quote and include details about your moped or scooter in the form and how you use it daily. If you need additional help, our brokers work for you to get the best coverage and rates.

Assuming you are not using a dirt bike on public roads in Ontario, it’s not mandatory. However, even off-road vehicles can benefit from liability insurance, in the event you accidentally hurt someone or damage their property while operating your bike. 

Getting your motorcycle license takes a few steps. You need to be 16 years of age to apply for your license. In addition, you’ll need an eye test and pass a written test and several road tests. There are three different types of motorcycle licenses you can get but all fall under the M class license.  

For more information on motorcycle licensing, view this source: 

How to Get a Quick Ontario Motorcycle Insurance Quote  

We understand why Ontarians love their motorcycles. The freedom is simply unparalleled. At Sharp Insurance, we want nothing to get in the way of your freedom. Ontario motorcyclists trust Sharp to help them find the insurance solutions they need to ride hassle-free. Give us a call to discuss your insurance needs anytime.  

Start with a free online motorcycle insurance quote in Ontario. Our brokers are waiting to help you find the best coverage options and rate for your motorcycle today. 

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