I found in Alberta, the difference between different classes is not substantial. My R3 is $345 while someone with an R1 might see $600-700. In BC, it would be $670 for the R3 vs. $1610 for the R1 in Kelowna. It's a trade off for a much longer riding season. Motorcycle owners in BC could insure their bike for 3 or 6 months for 25% or 50% the cost of the liability portion plus $19 short term insurance surcharge respectively if we want to compare apples to apples. I get my collision and comprehensive through a private insurance company for $225-275 and they only allow full year coverage, which is fine because motorcycles need to be protected from theft year round anyway.
Mind you, I'm the crazy one who has ridden every single month since August 2018.