MC Insurance rates by province - Wrist Twisters
 
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post #1 of 17 Old 03-18-2009, 10:51 AM Thread Starter
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MC Insurance rates by province

Hey all my fellow Canadian riders,
I have insured a motorcycle in Newfoundland, Ontario, and BC. The difference in rates is truly disturbing. In Newfoundland, I paid $250 / year to insure my 1984 CB550SC. In Ontario, I paid about $750 a year to insure a 1985 CB700SC. In BC, I paid about $1000 / year to insure the same 1985 CB700SC, and I now pay about $1100 / year to insure my CB900 / 919 / Hornet. This is for the minimal coverage - no fire, theft, or collision; $1000 deductible. (Obviously, these are for different bikes and different years, but I think the trend is real.)

For reference, I am a 32-y.o. male with no claims in 15 years of driving, been driving a motorcycle for 10 years, but I only have continuous coverage for the last 2 years. We also pay another $1000 /yr to insure our Honda Civic, plus around $700 year to insure my fiancee's CB450. (Somebody still has to explain why I need to pay twice as much to insure two vehicles for myself, since I can only drive one at a time.)

I am curious to see how much insurance people are paying in other provinces. We have a single corporation (ICBC) for everyone in BC, so I can't even shop around. I would be interested to know approximately what everyone is paying in other provinces, especially someone with a similar motorcycle and driver profile.

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post #2 of 17 Old 03-18-2009, 11:24 AM
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I think you need to head south of the border.

I'm 24 years old and have had no less than 6 moving violations in the 8 years I've been driving. I only have one violation on record now and it drops off in November

I live in Kentucky and pay $480 per year for the CB900F3. This is liability plus comprehensive. It doesn't cover accidents that are my fault, but does cover fire, and accidents involving animals. $500 deductible. That's through Progressive

For our two trucks, 2003 Envoy XL SLT 5.3L V8 with full coverage and a 1999 Chevrolet Silverado LS 5.3L V8 with liability plus comp. we pay a total of $1,300 per year. Deductible is $500 on this policy as well. This insurance is through Secura. We get a discount because out home is also insured through Secura.

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post #3 of 17 Old 03-18-2009, 11:26 AM
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Not Canada....

~$600 per year for a 919 here in central Texas.
Clean driving record, about 15 years older than you.
Full coverage, including uninsured driver and medical.

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post #4 of 17 Old 03-18-2009, 01:37 PM
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insurance is high here...

40 yr old male..
no tickets..
1 claim from last year (accident)
919 is 950 a year +- with a medical rider that if i go down and am hospitalized it will pay x per day till i get out..



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post #5 of 17 Old 03-18-2009, 02:14 PM
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Well, I'm not complaining about my 250 a year FULL coverage rates any more. You guys getting hosed. But this topic is as old as time! Everyone needs to understand that there are many variables to this.

Credit Score
Address Location
Driving Record
Amount of coverage
Deductible amount
Credit Score
Type of vehicles you have
Age
Sex (yes please)
Credit Score
and the list goes on and on!

did you notice the amount of times I said Credit score? That will play a HUGE part in your rates. Bad credit = Higher Rates. Is it fair... I don't think so, but it's not up to me.

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post #6 of 17 Old 03-18-2009, 02:20 PM
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You'll have a tougher time getting a better deal than BC.

Alberta has lower rates but the coverage is not equal. Sask and MB have lower rates but who'd want to live there.

There's a good bit of chatter here and some links for lower private insurance if you qualify.

http://www.bcsportbikes.com/forum/

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post #7 of 17 Old 03-18-2009, 02:26 PM
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$105 and change for full coverage, 500.00 deductible on my bike for 12 months ('06 Honda 919).

876.00 a year for full coverage on a Ford F-150, Buick Regal and liability on an old Ford Ranger

So basically a grand a year on all of them and I still hate paying it

Just about 35 years old, pretty much always have a couple tickets on my record. No accidents

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post #8 of 17 Old 03-18-2009, 03:54 PM
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I had MC coverage from USAA until I called to re-insure my 2002 919 for the spring.

USAA doesn't handle MC anymore, so they transferred me to Progressive.


My rates went from $460/Yr. W $500 deductible and NO roadside assistance (USAA) to $218/Yr. WITH roadside assistance, same deductible. Nice.

But as stated above, many factors to the final $$ amount.

It pays to shop!

I plan to die young, as late as possible.
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post #9 of 17 Old 03-18-2009, 08:28 PM
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I have 6 years riding experience with same number of years of continued insurance on a bike. No tickets or claims.. I live in QC and I Pay $504 a year for my F6 with liability + fire/theft. but plates just went up to like $400 a year (0 deduct). My ek civic Si on the other hand is $130 a year and plates are $160.

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post #10 of 17 Old 03-19-2009, 01:18 PM
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wow... I'm in Gatineau, QC two and my insurance is 1300 $ (full cover) deductible is 1000 $, ... 3 tickets... no claims...

Simon
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post #11 of 17 Old 03-19-2009, 01:18 PM
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plates this year is supposed to be 518 $ we should get the bill soon

Simon
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post #12 of 17 Old 03-23-2009, 05:41 PM
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Mojo,

Call up Trudeau & Trudeau in Montreal. I always shop around for insurance, and they were the best prices by far.

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post #13 of 17 Old 03-23-2009, 05:44 PM
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Thanks for the tip I'll call them this week !

BTW if you ever wanna go for a ride hit me up

Simon
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post #14 of 17 Old 03-23-2009, 08:03 PM
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27 years old, no claims, $650 a year in Alberta. Because most companies go by engine size when I had my 1100 saber my insurance was $1400 a year!!! Got to love the 919.

2016 Honda Africa Twin
2007 Honda 919
1998 Kawi ZX9R (Sold)
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post #15 of 17 Old 03-23-2009, 09:09 PM
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$1200 a year here in Alberta gets me fire, theft and PLPD for a '02 919 and a
'04 Z750.

No claims, no tickets. oh but after 3 years of clean driving i get (and I quote) "a sizeable reward for good driving"..... that means $50 off each..... oh wow only $1100 a year I can't wait!

If God had wanted us to be vegetarians why did he make animals out of meat?
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post #16 of 17 Old 04-17-2009, 09:56 AM
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I have gone to Beacons for my extra insurance (comprehensive and collision) for around $600/year. That also includes $1000 coverage for gear and another $1000 for trailer. Basic ICBC coverage is around $750/year with full discount (Roadstar+).

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post #17 of 17 Old 05-13-2009, 09:03 PM
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I pay $232/yr on my F2. PLPD only, no fire or theft. 38 years old 1 accident 5 years ago. One speeding ticket every year.

Spoiler:

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