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ZERO MOTORCYCLES MOTORCYCLE INSURANCE 2026

Zero Motorcycles Insurance Quebec — Compare 9+ 100% Electric Motorcycle Insurers

Zero S, Zero SR, Zero SR/F, Zero SR/S, Zero DSR, Zero DSR/X, Zero FXE — founded in Scotts Valley in 2006, Zero Motorcycles is the world leader in high-performance electric motorcycles — no noise, no emissions, instant torque and premiums available with electric vehicle discounts from many insurers.

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$1,350
Average Premium Zero Motorcycles QC
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Insurers Compared
3 min
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15+ years
Motorcycle expertise

Are you looking for Zero Motorcycles motorcycle insurance at the best price in Quebec? Assur360 compares more than 9 insurers specializing in 100% electric sport, naked & adventure motorcycles and saves you up to 30% on your premium. Quote in 3 minutes, independent broker, 100% Quebec service.

Discover the brand in video

The world of Zero Motorcycles in minutes

Video by L’Universelle Groupe · YouTube

Insurance Prices by Zero Motorcycles Model in Quebec

Model Zero MotorcyclesEstimated Annual Premium
Zero FXE (Urban 50 hp)$850 – $1,250
Zero S / Zero DS$1,050 – $1,500
Zero SR (75 hp)$1,200 – $1,700
Zero SR/F (110 hp naked)$1,450 – $2,100
Zero SR/S (110 hp sport fairing)$1,500 – $2,200
Zero DSR/X (Adventure Electric)$1,600 – $2,350

Indicative rates for a 30-45 year old driver, 5+ years of motorcycle experience, clean record, comprehensive coverage (B1) with $500-1000 deductible. Your actual premium depends on your profile, zip code, history and reported changes.

Insurance features for Zero Motorcycles

Electric vehicle discount 5-15%

Several Quebec insurers (Intact, Promutuel, Aviva, some Northbridge) offer a 5-15% electric vehicle discount applicable to Zero motorcycles. Our brokers systematically identify the most advantageous motorcycle EV programs.

Instant torque and quiet power

0 dB exhaust, 100% torque available immediately — classification adapted by insurers: the SR/F and SR/S are sporty (110 hp petrol equivalent) with corresponding restrictions. The FXE and S remain in the naked accessible category.

Z-Force® battery and range 200-300 km

Fixed Lithium-Ion Pack or Extended Power Tank — Battery value $8,000-14,000 covered by primary insurance. No separate battery addendum required on most Zero programs. 110 V home charging or 240 V charging station.

No oil, no conventional transmission

Low maintenance (no draining, no chain on some belt-driven models) — low mechanical failure rate. Controlled repair costs. Comprehensive coverage recommended on 2024-2026 models with 24-month replacement value.

Recommended Coverages for Your Zero Motorcycles

Civil liability (mandatory)

Minimum $1 million, recommended $2 million. Covers damage caused to others in the event of an at-fault accident.

Collision (B2)

Covers damage to your motorcycle in the event of a collision, whether you are at fault or not. Typical deductible $500-1000.

All risks (B1)

Collision + theft + fire + vandalism + hail + broken glass. Essential on new and premium models.

Accessories and equipment

Exhaust, fairings, suitcases, GPS, helmet, jacket. The base is capped at $1,500 — an endorsement required beyond that.

Replacement cost 24 months

Refund at the new price within the first 24 months of purchase — essential on new models.

Towing and assistance

Breakdowns, flat tires, accidents on the road — towing to a garage or home, often included for up to 100 km.

How to get your Zero Motorcycles quote in 3 minutes

1

Enter your Zero Motorcycles model and profile

Exact model, year, mileage, postal code, Class 6A license year, accident history and added accessories.

2

Our brokers compare 9+ insurers

Intact, Promutuel, Dalbar, April Marine, Northbridge, Aviva, Wawanesa, RSA, Economical — we solicit specialized motorcycle programs.

3

Receive 3 to 5 offers within a day

By email or phone. You choose the best offer based on price, coverage, and endorsements.

4

Insurance effective immediately

Payment, proof of insurance issued within 24 hours, SAAQ registration, you go riding with your Zero Motorcycles.

💡 Advice from a specialist motorcycle broker

Before you buy your Zero Motorcycles insurance, compare at least 3 quotes. The spread between insurers can exceed $800/year for exactly the same coverage. Our brokers negotiate discounts for GPS trackers, MotoMentor courses, locks and multi-contracts (car + motorcycle + home) to optimize your total premium.

Assur360: your motorcycle broker throughout Quebec

Assur360 serves Zero Motorcycles motorcyclists in all regions of Quebec: Montreal, Laval, Longueuil, Quebec City, Gatineau, Sherbrooke, Trois-Rivières, Saguenay, as well as all cities in Montérégie, Laurentides, Lanaudière, Estrie, Capitale-Nationale, Saguenay-Lac-Saint-Jean, Mauricie, Centre-du-Québec and Bas-Saint-Laurent. Our brokers are available by phone (1-866-357-4451), email (info@assur360.ca) and online to assist you in your choice of motorcycle insurance.

Frequently Asked Questions — Zero Motorcycles Motorcycle Insurance

What is the average price of Zero Motorcycles insurance in Quebec in 2026?
Between $850 and $2,350 depending on the model. Zero FXE $850 to $1,250, Zero S/DS $1,050 to $1,500, Zero SR $1,200 to $1,700, Zero SR/F naked $1,450 to $2,100, Zero SR/S sport $1,500 to $2,200, Zero DSR/X adventure $1,600 to $2,350.
Is there an electric vehicle discount to insure a Zero?
Yes, with several Quebec insurers. Intact, Promutuel, Aviva and some Northbridge programs offer 5-15% off EV motorcycles. Discount varies by model, use and profile. Our brokers systematically identify the most advantageous motorcycle EV programs.
Is the Z-Force battery covered by the main insurance?
Yes — the battery is integrated into the value of the vehicle, so it is covered by collision and comprehensive coverage without a separate endorsement on most programs. Battery value $8,000-14,000 depending on model. Check for cyclic exclusions (normal degradation of the pack).
Is the Zero SR/F 110 hp considered supersport?
Sport/naked — not pure supersport in the classic sense. 110 hp petrol equivalent, sport-naked classification by all Quebec insurers. Accepted from the age of 25 with 3-5 years of experience at $1,450 to $2,100/year.
Is Zero FXE insurable at 18?
Yes in the majority of cases. 50 hp, urban, accessible naked classification. Accepted from 18-21 years old with driving school and MotoMentor courses at $850 to $1,250/year. One of the most accessible Zeros for new drivers.
Is Zero Motorcycles easy to insure in Quebec?
Yes — the brand has been well-known since 2018-2020 among major insurers. Canadian distribution established, 2-5 year factory warranty depending on component. All primary insurers accept Zero with competitive premiums and applicable EV discount.
Is the Zero DSR/X covered in off-road use?
Yes for recreational use and adventure tourism — forest tracks and unpaved roads included. Comprehensive coverage with mixed road/runway use. Enduro competitions and organized events excluded, separate event insurance required.
How long does a Zero quote take at Assur360?
Less than 3 minutes online. Model, year, permit, record and parking location (with 240 V charging station?). Our brokers compare 9+ insurers including EV motorcycle programs and contact you within a day.

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Why trust Assur360?

✓AMF certified firm
✓ChAD Member
✓100,000+ submissions processed
✓9+ motorcycle insurers compared
✓Independent broker
✓100% Quebec service

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Insure your Zero Motorcycles at the best price in Quebec

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