According to the SAAQ’s data, the risk of accidents causing bodily injury is directly linked to cylinder capacity, type of motorcycle and years of riding experience.
For the purposes of calculating your insurance contribution rate, your years of riding experience include the years you acquired as a Class 6A, 6B or 6C learner’s, probationary and regular licence holder, and as a Class 6R learner’s licence holder. Any years of riding experience you acquired outside Québec that have been recognized by the SAAQ are also included in the calculation.
You can also use the calculation tool to get an estimate of the amount you will have to pay to renew your motorcycle registration.
Motorcycles
Under 3 years of motorcycle riding experience (Classes 6A, 6B, 6C and 6R)
Insurance contribution (tax included)
$393.64
Administration fee
$5.45
Vehicle registration fee
$53.25
Total
$452.34
3 years to under 5 years of motorcycle riding experience (Classes 6A, 6B, 6C and 6R)
Insurance contribution (tax included)
$272.10
Administration fee
$5.45
Vehicle registration fee
$53.25
Total
$330.80
5 years or over of motorcycle riding experience (Classes 6A, 6B, 6C and 6R)
Insurance contribution (tax included)
$202.49
Administration fee
$5.45
Vehicle registration fee
$53.25
Total
$261.19
A legal person is a legal entity, partnership or natural person carrying on business under a firm name or using a vehicle mainly for commercial or professional purposes.
Insurance contribution (tax included)
$202.49
Administration fee
$5.45
Vehicle registration fee
$53.25
Total
$261.19
Under 3 years of motorcycle riding experience (Classes 6A, 6B, 6C and 6R)
Insurance contribution (tax included)
$750.99
Administration fee
$5.45
Vehicle registration fee
$53.25
Total
$809.69
3 years to under 5 years of motorcycle riding experience (Classes 6A, 6B, 6C and 6R)
Insurance contribution (tax included)
$515.10
Administration fee
$5.45
Vehicle registration fee
$53.25
Total
$573.80
5 years or over of motorcycle riding experience (Classes 6A, 6B, 6C and 6R)
Insurance contribution (tax included)
$379.98
Administration fee
$5.45
Vehicle registration fee
$53.25
Total
$438.68
A legal person is a legal entity, partnership or natural person carrying on business under a firm name or using a vehicle mainly for commercial or professional purposes.
Insurance contribution (tax included)
$379.98
Administration fee
$5.45
Vehicle registration fee
$53.25
Total
$438.68
Under 3 years of motorcycle riding experience (Classes 6A, 6B, 6C and 6R)
Insurance contribution (tax included)
$1,091.68
Administration fee
$5.45
Vehicle registration fee
$53.25
Total
$1,150.38
3 years to under 5 years of motorcycle riding experience (Classes 6A, 6B, 6C and 6R)
Insurance contribution (tax included)
$746.76
Administration fee
$5.45
Vehicle registration fee
$53.25
Total
$805.46
5 years or over of motorcycle riding experience (Classes 6A, 6B, 6C and 6R)
Insurance contribution (tax included)
$549.20
Administration fee
$5.45
Vehicle registration fee
$53.25
Total
$607.90
A legal person is a legal entity, partnership or natural person carrying on business under a firm name or using a vehicle mainly for commercial or professional purposes.
Insurance contribution (tax included)
$549.20
Administration fee
$5.45
Vehicle registration fee
$53.25
Total
$607.90
Under 3 years of motorcycle riding experience (Classes 6A, 6B, 6C and 6R)
Insurance contribution (tax included)
$3,284.08
Administration fee
$5.45
Vehicle registration fee
$53.25
Total
#$3,342.78
3 years to under 5 years of motorcycle riding experience (Classes 6A, 6B, 6C and 6R)
Insurance contribution (tax included)
$2,237.56
Administration fee
$5.45
Vehicle registration fee
$53.25
Total
$2,296.26
5 years or over of motorcycle riding experience (Classes 6A, 6B, 6C and 6R)
Insurance contribution (tax included)
$1,638.13
Administration fee
$5.45
Vehicle registration fee
$53.25
Total
$1,696.83
A legal person is a legal entity, partnership or natural person carrying on business under a firm name or using a vehicle mainly for commercial or professional purposes.
Insurance contribution (tax included)
$1,638.13
Administration fee
$5.45
Vehicle registration fee
$53.25
Total
$1,696.83
Insurance contribution (tax included)
$249.75
Administration fee
$5.45
Vehicle registration fee
$53.25
Total
$308.45
The power rating in kW only applies to electric motorcycles.
Please read the compliance label applied to your vehicle in accordance with Canada’s Motor Vehicle Safety Regulations to find out which type of vehicle you have. Your vehicle could be an electric moped or scooter.
Three-Wheeled Motorcycles Qualify for a Reduced Insurance Contribution
Since three-wheeled motorcycles have arrived on the market, their owners have paid the same insurance contribution as for regular motorcycles. However, given that analysis has shown that three-wheeled motorcycles are involved in fewer accidents than two-wheeled motorcycles, the insurance contribution for three-wheeled motorcycles has been reduced.
What qualifies as a three-wheeled motorcycle?
Vehicles qualifying as three-wheeled motorcycles to which the reduced insurance contribution applies share the following characteristics:
They are designed by the manufacturer to travel on three wheels and belong to either the “motor tricycle” or the “three-wheeled vehicle” category within the meaning of the Motor Vehicle Safety Regulations (CRC, c. 1038). The vehicle category can be found on the vehicle’s compliance label, which is usually affixed to the front of the frame.
They have a maximum of three wheels and the distance between each wheel is at least 460 mm.
As of January 1, 2023, modified vehicles or hand-crafted vehicles whose characteristics correspond to either of the two vehicle categories referred to in the first bullet above also qualify as three-wheeled motorcycles to which the reduced insurance contribution applies, provided they have been issued a certificate of inspection by the SAAQ. The procedure for obtaining a certificate of inspection varies depending on the situation, and can be found in the following sections of our website:
