Having the right car insurance in St. Catharines is essential. And Sonnet makes it simple to find the best coverage for you. Get a quote and buy car insurance online in just a few clicks. Get personalized coverage in straightforward language, all at a competitive price. Whether you’re a Brock University student commuting to campus or a long-time resident, our easy online quote ensures you have the coverage you need without a hassle.
Have more than one car at home? Bundle with Sonnet to enjoy our sweet multi-vehicle discount! Get a quote today and start saving.
St. Catharines 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.
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 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 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. 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.
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.
Looking for ways to lower your car insurance? Here are some savvy tips to help you snag the best rates in St. Catharines:
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.
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.
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.
Tips to prevent carjacking and other types of car theft
Car theft in Canada is on the rise. On average, a car is stolen every 6 minutes. But don’t worry – you can avoid being a statistic by preparing ahead to avoid the theft of your car and its parts. Here are some tips to help you avoid car theft.
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.
In Ontario, the minimum coverage required by law is:
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:
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:
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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