With Sonnet, you and your car are protected – plus, you can save by bundling your home and auto insurance.
Get Scarborough auto insurance that’s quick, easy, and made for you
Whether you’re driving on Finch Ave or down Highway 401, both you and your car need to be properly insured. Get your car insurance quote, purchase online and be covered within minutes. Our Scarborough auto insurance is priced right, customizable, and easy to understand so you can be sure you have the best car insurance for your driving needs.
Looking for a home policy as well? Bundle your home and auto and you could save more on your insurance!
Mandatory and optional car insurance in Scarborough
Scarborough follows the same rules for car insurance as the rest of Ontario. To make sure everyone has basic protection, certain coverages are required by law. Here’s a list of car insurance coverages that are mandatory in Ontario, plus a few others you might want to have.
Essential car insurance coverage in Scarborough
You must have liability coverage in order to drive in Ontario. 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.
If you sustain any injuries or damages from an accident, the standard benefits will cover your costs for medical, rehabilitation, and income replacement. In Ontario, there is additional coverage for caregiver and housekeeping or home maintenance benefits. You can also choose to upgrade any of your standard accident benefits coverages or purchase optional benefits.
This covers loss or damage to your vehicle and its contents in an accident with another vehicle to the extent that you’re not at fault. In the event of a claim, you’ll always work directly with us – not the other person’s insurer. We’ll also set you up with a rental car if you need it!
DCPD isn’t mandatory in Ontario, but it’s considered essential. Without it, you’ll have to pay to repair or replace your vehicle if you’re not at fault in a collision with another vehicle.
Heads up! Vehicle hit and run accidents aren’t covered under DCPD. Want coverage in case of a hit and run accident? Make sure you have Collision or Upset coverage added to your policy.
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 an accident with an object (like a guardrail or a tree). This 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. Comprehensive insurance in Ontario has your vehicle covered for damage from things like falling objects, vandalism, fire, theft, lightning, windstorm and earthquake.
Heads up! This coverage is optional but highly recommended. If you don’t have it, you’ll have to cover the costs if any of the above (and more) happen.
Do you lease or finance your vehicle? Having both comprehensive and collision coverage may actually be required by your lessor or lender. Find out more about insuring a leased or financed car.
Optional car insurance coverage in Scarborough
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.
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.
Driving tips that could help you get cheap car insurance in Scarborough
Your driving record plays a big role in determining your car insurance rates. Speeding, illegal turns, and failing to stop at a red light or stop sign are just some of the offences that can result in a higher premium. Here are some driving tips that could help you get cheaper car insurance in Scarborough
- Follow the speed limit
Speed limits give us a gauge of what’s safe and what’s not, especially on the highway and in congested areas of the city. Follow the speed limit and take extreme weather conditions into account when driving. This can keep you and your car safe and minimize the chance of at-fault collisions, which could raise your premium. - Anticipate traffic (leave extra room)
A big tip in safe driving is to avoid tailgating. Keep a safe distance from the car in front of you so you have enough time to react to sudden changes. You also want to leave extra room for pedestrians and cyclists to avoid accidents, especially on busier streets like Markham and McCowan. - Wear your seatbelt
One of the top traffic tickets that can impact your insurance rates is driving without wearing a seatbelt. Not only can you be fined – you could also get demerit points for doing so, affecting your driving record. - Avoid distractions
Put your phone away! That way you won’t be tempted to use it while driving or be so distracted that you forget to lock your car in the parking lot and getting your car stolen. No one likes to pay for repairs or replacements for a mistake that could easily be avoided. - Avoid driving long stretches in your daily commute
Reserve driving for when it counts. If you work downtown and commute from Scarborough, you may want to opt for the GO or TTC. By lowering your daily commute, you minimize the chance of accidents – which could lower your insurance rates. - Attend driving school
Drivers under 25 years old can sometimes be quoted for a higher car insurance, as they’re statistically more likely to get into an accident. Newer drivers could offset this and possibly get a cheaper car insurance by completing a driving course from a government-approved driving school in Scarborough.
Other ways to save on auto insurance in Scarborough
Buy auto insurance with Sonnet for top-rated coverage and service
Questions about car insurance in Scarborough? We’ve got answers
Getting an auto insurance quote with Sonnet is quick and easy – with plenty of help along the way. Read through our current blogs or most frequently asked questions about car insurance to get started.
- On the Road
What's changing in Ontario car insurance in 2024?
Ontario car insurance customers can now opt out of Direct Compensation Property Damage insurance. Learn more about what this means, and how opting out of DCPD could affect you.
- On the Road
How safe driving can lower car insurance rates
Discover the impact of safe driving on your car insurance rates. Learn how adopting safe driving habits can lead to lower premiums and potential cost savings. Find out more at Sonnet today.
- On the Road
Here are a few tips to help keep you, your passengers, and everyone else on the road safe when you’re behind the wheel.
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:
- Download the Sonnet Insurance app from the App Store (iOS) or Google Play store app (Android).
- Log in to your account in the app using the same email and password you set up for your Sonnet account.
- For first-time users, tap the ‘Get your eSlip’ banner over the ‘More’ tab. Agree to the terms and conditions for eSlips. Choose your vehicle (for single policies) or choose your policy then vehicle (for multiple polices).
- eSlips will automatically update in your digital wallet app after a policy change or renewal. If you notice that it hasn’t automatically updated, tap on the ‘More’ tab, then tap ‘Pink Slip’. Choose your vehicle (for single policies) or choose your policy then vehicle (for multiple polices).
- Your eSlip will automatically be added to your phone’s digital wallet.
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:
- Go to your iPhone Settings and scroll down until you see the Sonnet Insurance App.
- Simply tap the Background App Refresh toggle, so it is ON (green).
Want to view your physical pink slip in your account? Follow these steps:
- Log in to your account and click on the ‘Easily access your digital pink slip’ card.
- For single policies click ’Download’. For multiple policies, choose your policy number and then click ‘Download’.
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.
In Ontario, the minimum coverage required by law is:
- Liability
- Uninsured automobile coverage
- Accident benefits
You can’t legally drive without these three.
Heads up! Starting July 1, 2026, Ontario’s making most accident benefits optional to give you more control over your coverage. Standard medical, rehabilitation and attendant care benefits are still mandatory.
You might want to add optional coverages that would help repair or replace your car if it’s damaged. Collision and comprehensive coverages aren’t required by law. But, they’re highly recommended if you want to avoid paying costly bills out of pocket. Collision takes care of damage to your car in case of an accident with another car or object. Comprehensive covers damage from fire, theft, falling objects, and more.
We always want you to be fully protected! Have questions about your policy? Reach out to one of our agents via chat or email. They’re happy to help!
We give you our best price that’s specifically tailored for you. We’ve come up with a number of ways to help make sure you get the best price on your insurance.
There are a number of ways you could save on your auto insurance:
- Exclusive Sonnet Savings: Self-service has its benefits! You’ll save just for purchasing your insurance online. How easy is that?
- Claims Free: If you’re lucky enough to have been claims-free for six years, you could save.
- Convictions Free: Good driving behaviour deserves to be rewarded!
- Multi-Vehicle: Insuring more than one vehicle with us? Awesome! You may qualify for a multi-vehicle saving.
- Multi-Policy (home and auto): You could save when you insure both your home and your vehicle with us.
- Winter Tires (only in Ontario): They’ll keep you safe and help you save on your auto insurance.
- Alumni discount: Canadian university and college alumni can save on auto insurance.
Getting car insurance in Canada is easy. With Sonnet, you can get a car insurance quote online in minutes. All you’ll need is your driver’s license number, vehicle identification number (VIN) and the answers to a few simple questions – we do the rest of the work for you! Get an instant quote now.
Did you know? Your postal code affects your car insurance whether you live in Toronto or elsewhere in Canada.
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:
- Your car hits another car
- Your car hits an object (like a road sign or a street light)
- Your car rolls over
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:
- Your car is damaged by fire
- Your car is vandalized
- Your car is stolen
- Your car is damaged by a falling object
- Your car is damaged from a wind or hailstorm
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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