Protect your vehicle with car insurance

Buy auto insurance online in 5 minutes.

Getting auto insurance has never been easier. If you live in Alberta, Ontario, Quebec, New Brunswick, Nova Scotia or P.E.I., you can quote and buy car insurance online in just a few clicks. Get customized coverage, in language you can understand, at a competitive price – and do it all online. We’ve changed car insurance for the better, 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 then some optional ones that increase your level of protection. Here’s a summary of coverages but always review your policy so you know what’s covered and what’s not.

Mandatory auto insurance coverage

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.

Accident Benefits

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 Quebec, B.C., Manitoba and Saskatchewan, it’s included as part of your government auto insurance plan. For the rest of Canada, these benefits are included in your policy through a private insurer.


If you hit another vehicle or object (like a street sign or fire hydrant) or roll your vehicle, this will cover you for the cost to repair or replace your vehicle.


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 actually be required by your lender. Find out more about insuring a leased or financed car.

Optional auto insurance coverage
Accident Forgiveness

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.

Ticket Forgiveness

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 Quebec and New Brunswick).

Rental Extension Bundle
  • Rental Costs. We’ll take care of your rental car after an at-fault collision or during a comprehensive claim (that’s not theft). Even better – there’s no arbitrary limit, so you’ll get a rental car comparable to your own. (Unavailable in Quebec).
  • Non-Owned Vehicle Coverage. We’ll cover you for the loss or damage to any borrowed or rented vehicle.
Vroom Service Bundle
  • Roadside Assistance. We’ll reimburse your for up to $50 for related emergency expenses.
  • New/Used Vehicle Replacement. We’ll replace your vehicle without any adjustment for depreciation.
  • Hit-and-Run Deductible Waiver. We’ll waive your deductible up to $1,000 in the event of a hit-and-run, as long as it’s reported within a reasonable time (like a day).

We’re Canada’s first fully online home and auto insurance company. With us, you can quote, purchase and manage your policy entirely online. Here’s why else we think you’ll love being insured with Sonnet:

Have more than one vehicle insured with us? No matter which one you drive the most, we automatically assign you to the vehicle that will give you the best price.

Online doesn’t have to mean on-your-own. Email, chat or call our fully-licensed insurance agents and experience our 91% customer satisfaction score.

On top of our 24/7 claims support, if you’re in need of a tow after an accident, just call our 24-hour national tow program at 1-888-668-6087.