Finding affordable car insurance near you has never been easier. As Canada’s first online auto insurance provider, we offer fast, personalized quotes for drivers in Ontario, Québec, New Brunswick, Nova Scotia, and P.E.I.
Enter your details, customize your policy and buy online in just a few clicks. Get competitive rates and clear, easy-to-understand coverage designed to meet your needs. We’ve transformed the way Canadians buy car insurance, so you can worry less and live more.
In Canada, car insurance is different based on the province you live in. There are coverages you must have, and some that are optional that increase your level of protection. With online car insurance, you have control of your policy and the optional coverages you choose.
Looking for car insurance near you? Our secure online quoting platform helps you find personalized car insurance policies in your area, giving you the best protection for your budget. Sonnet offers auto insurance throughout many provinces and cities in Canada. Browse what’s covered in a few of the most popular areas we serve:
Auto insurance in Ontario | Auto insurance in Québec | Auto insurance in Toronto
Live somewhere else? Stay informed about province-specific legal requirements. Visit our all-in-one guide to learn more about mandatory and optional car insurance in your area.
You must have liability coverage in order to drive. It protects you and other drivers financially in case of an accident where you’re at fault. Liability covers any damages, injuries or losses experienced by another driver or individual.
This coverage is required across Canada (except Newfoundland and Labrador). If you sustain any injuries or damages from an accident, this will cover your costs. In Québec, B.C., Manitoba and Saskatchewan, it’s included as part of your government car insurance plan. For the rest of Canada, these benefits are included in your policy through a private insurer.
This covers loss or damage to your vehicle and its contents caused by specific events. These events include an accident with another vehicle where you’re at fault or a collision with an object (like a guardrail or a tree). It also provides coverage if your car rolls over, or if your vehicle is subject to a hit and run and reported to police within 24 hours.
Although it’s optional, this coverage is considered essential. Without it, you’ll have to pay out of pocket to repair or replace your vehicle if these events happen. If you lease or finance your car, this coverage is usually required by your lessor or lender.
It’s not just when you’re driving that your vehicle could be damaged. This has your vehicle covered for damage from things like falling objects, vandalism, fire, theft, lightning, windstorm and earthquake.
Do you lease or finance your vehicle? Having both comprehensive and collision coverage may be required by your lender. Find out more about insuring a leased or financed car.
Clean record for the last 6 years? We won’t increase your rate due to your first at-fault accident and we automatically apply this protection again if after another 6 years you’ve got a clean record.
Heads up! Accident Forgiveness applies to your first at-fault claim only. If you have another at-fault accident, your Accident Forgiveness will be removed from your policy. You’ll be rated for both accidents – and any at-fault accidents after that.
Protect that squeaky-clean history and your rate! When it comes time for renewal, your minor ticket won’t impact your rate. We’ll pretend like it didn’t even happen. (Unavailable in Québec and New Brunswick).
Ontario drivers get the benefits of four great coverages and savings to match, all in one convenient bundle.
Loss of Use Coverage
We’ll take care of your rental car costs after an at-fault collision or during a comprehensive claim. You’re covered for up to 30 days per occurrence for a rental car comparable to your own. This doesn’t cover loss or damage to a borrowed or rented vehicle.
Damage to Non-Owned Vehicle Coverage
We’ll cover you for the loss or damage to a borrowed or rented vehicle comparable to your own.
Roadside Assistance
We’ll reimburse you up to $50 for emergency expenses. This includes tow truck services, battery replacement, or installing a spare tire.
Hit and Run Deductible Waiver
We’ll waive your deductible up to $1,000 in the event of a hit-and-run if it’s reported to the police within 24 hours.
Finding budget-friendly car insurance close to home shouldn't be a hassle. Our secure online quoting platform simplifies the process, all while ensuring you get the best price for the coverage you need.
At Sonnet Insurance Company, we combine your unique information with a whole lot of math and analytics to build our best auto insurance price just for you. But we don’t stop there! Here are more easy ways you could save on your car insurance with us:
We know adulting is hard. That’s why Sonnet’s made it simple to get an instant auto insurance quote.
Step 1: Enter your vehicle info and personal details. This includes things like the year, make, model, and VIN of your vehicle(s). It also includes stuff about you – like your driver’s licence, address and date of birth – and other drivers in your household.
Step 2: Add your discounts. Sign up for any savings you’re eligible for. We offer discounts on car insurance for Canadian university and college graduates, select employer groups, unions, associations, and more.
Step 3: Choose your policy type. Looking for regular car insurance? Go for our traditional package. Want to try our new usage-based insurance and save up to 35% for driving safely? Choose Sonnet Shift.
Step 4: Customize your coverage. Tailor your policy to suit your needs. Be sure to review your auto insurance coverages and deductibles to make sure you’re fully protected.
Step 5: Buy or save your quote. Purchase your new car insurance securely online. Need to think about it? Save your quote and we’ll email it to you. Your price will be saved for 45 days if the options you chose and info you provided don’t change.
If you have questions about car insurance coverage or just want to know more when you’re doing your quote, our licensed Insurance Agents are here to help. Contact us!
Getting an auto insurance quote with Sonnet is quick and easy – with plenty of help along the way. Check out our blogs and frequently asked questions (FAQs) for helpful tips about car insurance.
Tips for entering the U.S. from Canada by car
Driving across the Canadian border? Review your car insurance to ensure you’re covered. Here’s what you need to know for a worry-free trip.
Average Car Insurance Rates By Province Explained
Compare car insurance rates by province in Canada. See average premiums, coverage differences, and what you need to know to find the best rates.
How does usage-based car insurance track your driving?
Discover how usage-based insurance tracks your driving behaviour and influences your car insurance rates. Explore how it’s measured, how telematic data works, and more!
Once you've purchased your car insurance, we’ll send you an email with a link to activate your Sonnet account. Your pink slip and proof of insurance will be accessible directly through your account dashboard. Here you can also get the steps to add your eSlip right to your phone’s digital wallet.
If you would like to download an eSlip, here are the steps to add it to your phone:
Heads up! If you are an iOS (iPhone) user, the Background app refresh setting must always be turned ON. This setting allows eSlips to automatically update when you make a policy change or renew your policy.
Follow these steps to turn this setting ON:
Want to view your physical pink slip in your account? Follow these steps:
We’ll also send you a hard copy of your pink slip through the mail (which takes about 5 business days).
Haven’t received your liability slip in the mail? First, double check the mailing address listed on your account. You can do this by signing into your account and selecting Settings. If your mailing address is incorrect or you would like to request a new pink slip be mailed, contact us.
Yes. In order to drive a car in Canada you are required by law to have insurance. Each province has its own minimum standard for mandatory vehicle insurance. Not sure what you need to have on your policy? Learn more about what each province requires.
TIP: Looking for auto insurance in Toronto? Review the basics of how car insurance works in Toronto.
Yes, you’ll still need to get car insurance for your leased or financed vehicle. It’s not included in your lease or contract.
The leasing or financing company may have specific car insurance requirements as a condition of your contract with them. These could include a minimum deductible for collision and comprehensive coverages. You’ll also need to list them on your policy as an additional interest, since they have a stake in your car. And, they’ll require you to provide them with proof of insurance.
Still have questions? Learn more about how leasing vs. financing a car affects your insurance.
Do you live in Toronto? Find out which has the cheapest car insurance - used cars vs. new cars.
Collision and comprehensive coverage work together to protect your car from many kinds of damage. When you have both, you’ll be covered for most types of damage. Plus, you won’t need to pay out-of-pocket to repair or replace your car.
Collision coverage protects your car when you’re at-fault in an accident, such as:
Heads up! For some not-at-fault accidents, like if you’re involved in a hit and run collision, you're still covered under your collision coverage.
Comprehensive coverage is a little different, because it protects your car from damage that’s caused from things other than an accident. This could be a rock hitting your windshield or a tree falling on your car during a storm. While comprehensive coverage can differ between insurers, here’s what it commonly covers you for:
Heads up! Although not mandatory coverage, if you lease your vehicle, both collision and comprehensive coverage are usually required by your leasing or financing company. Learn more about insuring your leased or financed vehicle.
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