Why get ATV insurance in Quebec?

Quebec offers exceptional terrain for ATV and quad enthusiasts. With thousands of kilometres of trails managed by the Quebec Federation of Quad Clubs (FQCQ) and diverse landscapes ranging from the Laurentians to the Gaspé Peninsula, quad riding is booming. Adapted ATV insurance is essential to protect your investment and ride with peace of mind.

ATV insurance is mandatory in Quebec if you ride on public roads or FQCQ trails. Even off-road, liability coverage protects you against damage you might cause to others. A broker certified by the Autorité des marchés financiers (AMF) can compare offers from multiple insurers to find the best protection for your quad, ATV, or side-by-side.

Essential coverages for quad and ATV insurance

Liability

Liability is the basic coverage, mandatory to ride on trails and public roads in Quebec. It covers damage you might cause to other people or their property. The legal minimum is $50,000, but brokers recommend $1,000,000 or $2,000,000 for adequate protection, especially if you ride regularly in groups or on FQCQ trails.

Collision and rollover

This coverage protects your own ATV in case of an accident you are responsible for. Impacts with rocks, trees, or other vehicles are common claims on quads, especially on rough trails. The deductible can be adjusted based on your budget and vehicle value.

Theft and vandalism

ATV theft is a serious problem in Quebec, especially in rural areas and cottage zones. Quads parked in cottage driveways, trailers, or trail parking lots are easy targets. Theft coverage compensates you in case of complete theft or attempted theft with damage.

Accessories and equipment

Winch, snow blade, storage box, specialized tires, GPS system: ATV accessories can represent an investment of several thousand dollars. This coverage protects your equipment in case of theft, breakage, or accidental damage. Be sure to declare the value of your accessories to your broker.

Roadside assistance and trail towing

A mechanical breakdown or getting stuck on a trail can result in significant recovery costs. Roadside assistance coverage covers towing your ATV to the nearest shop, as well as passenger transport if needed. It’s essential protection for outings in remote areas of Quebec.

Indicative ATV insurance prices in Quebec (2026)

Rates vary based on vehicle type, value, your experience, and usage. Here are indicative ranges:

Vehicle type	Estimated annual premium	Key factors
Recreational quad / ATV	$250 – $600	Trail use, moderate displacement
Sport / performance ATV	$400 – $1,000	High power, sport riding
Side-by-side (UTV)	$500 – $1,500	Higher-value vehicle, multiple passengers
Utility / agricultural ATV	$200 – $500	Mixed use, private terrain
Youth / children’s quad	$100 – $300	Low power, supervised use

* These prices are indicative only. Get a free personalized quote to know your exact rate.

FQCQ trails and insurance: what you need to know

The Quebec Federation of Quad Clubs (FQCQ) manages a vast network of marked trails throughout Quebec. To access federated trails, your ATV must be registered and you must hold a trail access permit. Here are the key points:

• FQCQ access permit — Required to ride on marked trails in Quebec
• SAAQ registration — Your ATV must be registered to ride outside your private land
• Liability insurance — Mandatory for trails and public roads
• Training — A safety course is required for riders under 16 on FQCQ trails
• Safety equipment — Certified helmet mandatory for driver and passengers

Marked trails vs. off-trail: impact on your insurance

It is important to distinguish between riding on FQCQ marked trails and off-trail riding. This distinction has a direct impact on your insurance coverage:

• FQCQ marked trails — Standard coverage applicable, maintained and marked trails
• Public roads — Mandatory liability insurance, same rules as on the road
• Off-trail — Verify that your policy explicitly covers this use; some insurers exclude it or apply surcharges
• Private land — Coverage generally applicable, but inform your broker of the use

Always inform your AccesDirect broker of your actual usage (trail, off-trail, private land, public road) to ensure you are adequately covered in Quebec.

Side-by-side (UTV): specific coverage

Side-by-side vehicles (UTV, side-by-side) are growing in popularity in Quebec. Larger and more expensive than a standard quad, they require adapted coverage:

• Higher value — A side-by-side can cost between $15,000 and $40,000, warranting full collision coverage
• Multiple passengers — Several models transport 2 to 6 passengers, increasing liability needs
• Expensive accessories — Cabin, audio system, winch, body protection
• Regulations — Some FQCQ trails have restrictions for side-by-sides based on width

Why choose a broker for your ATV insurance?

An insurance broker certified by the AMF is your best ally for protecting your quad or side-by-side in Quebec. Here’s why:

• Price comparison — Access to multiple insurers specializing in recreational vehicles
• Product expertise — Specialized knowledge of quad, ATV, and side-by-side insurance
• Claim assistance — Your broker advocates for your interests with the insurer
• Free service — The broker is paid by the insurer, not by you

FAQ — ATV and quad insurance in Quebec

Is ATV insurance mandatory in Quebec?

Yes, liability insurance is mandatory to ride an ATV on public roads and FQCQ trails in Quebec. The legal minimum is $50,000, but brokers recommend $1,000,000 or more. On your private land, insurance is not mandatory but is strongly recommended to protect you in case of an accident.

How much does ATV insurance cost in Quebec in 2026?

The cost varies depending on vehicle type, value, and coverage selected. On average, expect between $200 and $1,500 per year in Quebec. A recreational quad costs less to insure than a high-end side-by-side. Use our free quote form to get your personalized price.

What’s the difference between an ATV, quad, and side-by-side?

ATV (all-terrain vehicle) is a general term for all off-road vehicles. A quad is an ATV with four wheels and handlebars, designed for a single driver (sometimes a passenger). A side-by-side (or UTV) is a larger vehicle with a steering wheel, side-by-side seats, and often a cabin. Each type has different insurance premiums in Quebec.

Does my auto insurance cover my ATV?

No. Auto insurance and ATV insurance are two separate products in Quebec. Your auto policy does not cover your quad or side-by-side. You must purchase a separate policy. However, some insurers offer a multi-vehicle discount if you bundle your policies (auto + ATV) with them.

Does my insurance cover off-trail riding?

It depends on your policy. Most standard ATV insurance covers riding on FQCQ marked trails and public roads. For off-trail riding (outside marked trails), some insurers apply exclusions or surcharges. Inform your broker of your actual riding habits to obtain appropriate coverage.

How can I reduce my quad insurance cost?

Several strategies can lower your premium in Quebec: install an anti-theft device or GPS tracker, store your ATV in a secure garage, maintain a good driving record, bundle your insurance (quad + auto + home) with the same insurer, and compare offers through an AccesDirect broker.

What should I do if my ATV is stolen?

In case of theft, immediately contact police to file a report, then notify your broker or insurer without delay. Provide the VIN of your ATV, recent photos, and proof of purchase. If you have theft coverage, your insurer will compensate you according to your policy terms, minus the deductible. A GPS tracker increases recovery chances.

Can I insure a side-by-side as an ATV?

Yes, side-by-sides (UTVs) are insured in the same recreational vehicle category as quads in Quebec. However, their higher value and capacity to transport passengers typically result in higher premiums. Be sure to declare the number of seats and exact value of your vehicle to your broker.

Does ATV insurance cover competitions?

No. Standard ATV insurance policies in Quebec exclude competitions, races, and organized speed events. If you participate in quad competitions (enduro, cross-country, drag), you must verify if the organizer provides coverage or obtain a specialized policy.

Do I need a license to ride an ATV in Quebec?

To ride an ATV on FQCQ trails and public roads in Quebec, you must be at least 16 years old and hold a valid driver’s license (class 5 or 6D). Youth aged 14-15 can ride a 250cc or smaller ATV with a safety certificate. SAAQ registration is also mandatory.

What is the FQCQ and what’s its role?

The Quebec Federation of Quad Clubs (FQCQ) groups quad clubs throughout Quebec. It manages and maintains the network of marked trails, sells annual access permits, and promotes safe quad riding practices. Membership in a local club through the FQCQ is necessary to access federated trails.

Is AccesDirect an insurer or broker?

AccesDirect is an insurance brokerage service. Our brokers are certified by the AMF (Autorité des marchés financiers) and work with multiple insurance companies in Quebec specializing in recreational vehicles. We compare offers from multiple insurers to find you the best ATV protection at the best price, at no cost to you.