How To Get Motorcycle Insurance Ontario Under 25?

As a motorcycle enthusiast myself, I know how exciting it is to hit the open road, especially for young riders under 25. However, I also understand that finding affordable motorcycle insurance in Ontario can be a bit of a challenge.

At our company, we’re committed to helping young riders like you get the coverage you need without breaking the bank. While it’s true that premiums can be higher for those with less experience, we work hard to offer personalized insurance options that fit both your budget and your riding style.

Whether you’re cruising through the city or exploring scenic routes, we’re here to make sure you’re covered with the right protection. Let’s work together to find the best motorcycle insurance for you!

Is Motorcycle Insurance Mandatory In Ontario?

Yes, motorcycle insurance is mandatory in Ontario. Just like with cars, all motorcycles must have basic insurance coverage before they can be legally driven on public roads. This includes:

1. Liability Coverage: This covers damages or injuries you cause to others if you’re at fault in an accident. The minimum required liability coverage in Ontario is $200,000, but most riders opt for higher limits to ensure adequate protection.
2. Accident Benefits: This provides coverage for medical expenses and lost income if you’re injured in a motorcycle accident, regardless of who is at fault.
3. Uninsured Motorist Coverage: This protects you if you’re involved in an accident with a driver who doesn’t have insurance.

While these are the minimum legal requirements, many riders choose to add extra coverage options like collision or comprehensive insurance to protect their bike from damage, theft, or non-collision-related incidents. Without the proper insurance, you risk facing fines, penalties, or even having your motorcycle impounded.

How Much is Motorcycle Insurance in Ontario?

At our company, we understand that every rider’s needs are different, which is why motorcycle insurance rates in Ontario can vary.

Factor	Estimated Price Range
Young Rider (Under 25)	$1,000 to $2,500 per year
Experienced Rider (Over 25)	$600 to $1,500 per year
Smaller Engine Motorcycle	$600 to $1,200 per year
Larger Engine/High-Performance Motorcycle	$1,200 to $3,000 per year
Location (Urban vs Rural)	Rates may vary; urban areas typically $100 to $300 higher
Safety Course Completion	Potential 5% to 15% discount on premiums
Higher Deductibles	Can reduce premiums by up to $200 – $500 annually

The rule of thumb is that for young riders under 25, the average price typically ranges from $1,000 to $2,500 per year.

We’re always happy to work with you to find discounts, such as bundling with other policies, taking a rider safety course, or choosing higher deductibles to keep your costs manageable. Reach out to us today, and we’ll provide you with a personalized quote based on your situation.

Best Motorcycle Insurance Ontario Under 25

Finding the best motorcycle insurance in Ontario for riders under 25 can be challenging due to the higher premiums typically associated with younger and less experienced riders. However, several insurance providers in Ontario offer competitive rates and coverage options tailored to young riders. Here are some of the best options:

1. TD Insurance

• Why It’s Good: TD offers competitive rates for young riders, especially if you take a motorcycle safety course. They also offer flexible coverage options such as liability, comprehensive, and collision coverage, making it a solid option for young riders.
• Discounts: Up to 15% off for completing a motorcycle safety course.
• Policy Features: Roadside assistance, optional equipment coverage, and custom parts coverage.

2. The Co-operators

• Why It’s Good: The Co-operators provides tailored motorcycle insurance for young riders with a focus on affordability. They offer packages that can include liability, accident benefits, and comprehensive coverage.
• Discounts: Discounts for bundling motorcycle insurance with auto or home insurance, as well as for taking a safety course.
• Policy Features: Optional coverage for custom parts, gear, and roadside assistance.

3. Aviva Insurance

• Why It’s Good: Aviva is known for offering flexible coverage options with competitive pricing for younger riders. They also provide a range of discounts that can help lower premiums.
• Discounts: Safety course discounts, multi-policy discounts, and good driving discounts.
• Policy Features: 24/7 claims assistance, roadside assistance, and custom parts and accessories coverage.

4. Desjardins Insurance

• Why It’s Good: Desjardins is well-regarded for offering affordable rates for young and first-time riders. They provide flexible insurance options and often have deals for riders who’ve completed safety courses.
• Discounts: Discounts for completing safety courses, as well as for insuring multiple vehicles.
• Policy Features: Coverage for accessories, helmet replacement, and emergency road service.

5. Belairdirect

• Why It’s Good: Belairdirect offers affordable options for young riders under 25, with flexible coverage that fits different riding needs. They provide personalized advice to ensure you get the right coverage at the best price.
• Discounts: Discounts for completing safety courses and bundling policies.
• Policy Features: 24/7 customer support, flexible payment options, and additional coverage for custom parts and gear.

6. RBC Insurance

• Why It’s Good: RBC offers motorcycle insurance that can be customized for young riders, with competitive rates and a range of coverage options. They also provide helpful tools and advice for managing your insurance needs.
• Discounts: Multi-policy discounts and discounts for good driving history.
• Policy Features: Comprehensive coverage, roadside assistance, and emergency repair services.

Tips for Young Riders:

• Take a Motorcycle Safety Course: Many insurers offer discounts for completing a certified safety course, which can help lower your premium and improve your riding skills.
• Consider a Smaller Bike: If you’re just starting out, opting for a smaller engine motorcycle can significantly reduce your premiums.
• Bundle Policies: If you already have auto or home insurance, bundling your policies can help lower the cost of your motorcycle insurance.

Before choosing an insurer, it’s always a good idea to compare quotes and speak with an insurance broker to find the best deal for your specific needs and budget.

Final Talk

 while motorcycle insurance for riders under 25 in Ontario can be more expensive due to higher risk factors, there are still plenty of options to find affordable coverage. Why struggle alone? Contact us, and we will give you the best solution for any auto insurance.