Drive safe and save up to 35% with Sonnet Shift

Want more control over your auto insurance premium? With Sonnet Shift – you can have it! Sonnet Shift rewards you for making smart choices behind the wheel.

Our free, easy-to-use smartphone app monitors your driving and scores it. Every three months you could earn savings of up to 35% for driving safely, and at renewal, you could be rewarded for driving less through our Mileage Discount.

Get a free car insurance quote and buy online instantly

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.

Why do I need home insurance in Ontario?

Your house is one of the biggest purchases you’ll make. And with property prices soaring in Ontario, you’ll want to protect that investment. If something happens to your home – like a fire, windstorm or flooding after a rainstorm – your Ontario house insurance provides financial protection to help repair or rebuild so you can get back to making memories.

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What do car insurance companies cover in Canada?

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.

Mandatory car insurance coverage

Insurance jargon? No thanks. Sonnet keeps it clear with straightforward insurance and top-notch 24/7 support. Even better? If you’re a Canadian university or college grad, you can get a discount. Plus, bundle your home and auto insurance to save even more — because insurance should be simple and affordable.

Insurance jargon? No thanks. Sonnet keeps it clear with straightforward insurance and top-notch 24/7 support. Even better? If you’re a Canadian university or college grad, you can get a discount. Plus, bundle your home and auto insurance to save even more — because insurance should be simple and affordable.

Insurance jargon? No thanks. Sonnet keeps it clear with straightforward insurance and top-notch 24/7 support. Even better? If you’re a Canadian university or college grad, you can get a discount. Plus, bundle your home and auto insurance to save even more — because insurance should be simple and affordable.

Optional car insurance coverage

Insurance jargon? No thanks. Sonnet keeps it clear with straightforward insurance and top-notch 24/7 support. Even better? If you’re a Canadian university or college grad, you can get a discount. Plus, bundle your home and auto insurance to save even more — because insurance should be simple and affordable.

Insurance jargon? No thanks. Sonnet keeps it clear with straightforward insurance and top-notch 24/7 support. Even better? If you’re a Canadian university or college grad, you can get a discount. Plus, bundle your home and auto insurance to save even more — because insurance should be simple and affordable.

Insurance jargon? No thanks. Sonnet keeps it clear with straightforward insurance and top-notch 24/7 support. Even better? If you’re a Canadian university or college grad, you can get a discount. Plus, bundle your home and auto insurance to save even more — because insurance should be simple and affordable.

Buy auto insurance with Sonnet for top-rated coverage and service

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Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

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Why do I need home insurance in Ontario?

Your house is one of the biggest purchases you’ll make. And with property prices soaring in Ontario, you’ll want to protect that investment. If something happens to your home – like a fire, windstorm or flooding after a rainstorm – your Ontario house insurance provides financial protection to help repair or rebuild so you can get back to making memories.

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How much does auto insurance cost in Canada?

$2,006 is the median cost of auto insurance with Sonnet in Canada. Get car insurance for around the same amount the average person spends on gas annually.

How car insurance is calculated
The cost of auto insurance varies for each person. Car insurance companies can base the premium on factors such as your driving record, claims history and how you use your car. The type of vehicle and where you live are also things they consider.

How to get cheaper car insurance

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:

Bundle home and auto

Bundling your home and auto insurance means more money in your pocket. Insure more than one vehicle and qualify for multi-vehicle savings.

Add a group and affinity discount

We offer exclusive savings for Canadian university and college alumni, Tangerine Bank Clients, eligible employees, members and more.

Try usage-based car insurance

Sonnet Shift rewards you for making smart choices behind the wheel. You could save up to 35% just for driving safely, plus 10% for driving less.

Think about car theft

High-theft vehicles equal high car insurance costs for you. Get a vehicle that’s less likely to be stolen or install a third-party anti-theft device to save on pricey surcharges.

Stay claims free

You deserve perks for being claims free. No claims on file for 6 years? This could put some extra cash in your pocket.

Get extra discounts

Retired? We could have great savings for you. Ontario drivers who install winter tires could also get a discount.

How do I get a car insurance quote?

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!

Auto insurance: Frequently asked questions

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.

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FAQs

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