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.

At Sonnet, we combine your unique information with a whole lot of math and analytics to build our best price just for you – savings automatically included. Here are a few ways you could start saving on your auto insurance:

No claims in the last 6 years? This could mean extra cash in your pocket.

Insuring more than one vehicle with Sonnet could qualify you for a multi-vehicle saving.

Bundling your home and auto policies could mean up to 20% savings for you.

"I was talking to my friend about overpaying my insurance and couldn't change insurers because of all of the paper work. He suggested that I try Sonnet online. Quote took literally 3 to 5 minutes and the price they gave me was unbelievable." “The Sonnet Insurance sign-up process was quick and painless. I love how easy it is to make changes to and customize my policy.”

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.

Is auto insurance mandatory in Canada?

Yes. In order to drive a car in Canada you are required by law to have insurance. Each province has their own minimum requirements.

How do you get car insurance in Canada?

Getting car insurance in Canada is easy. With Sonnet, you can get an auto insurance quote online in 5 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!

How do you calculate the cost of car insurance in Canada?

Each province has government regulations that oversee how prices are determined by insurance companies. At Sonnet, we use your personal information combined with public information about your vehicle and driver history to calculate a price just for you. Some of the factors we look at to determine the cost of your insurance include:

  • Number of past claims
  • Information about you (e.g. how many years you’ve been a licensed driver)
  • Traffic violations (e.g. speeding tickets)
  • Where you live
  • Your vehicle and how you use it

Using these details and a whole lot of math and statistics, you get the most competitive price – savings included. The whole process takes just 5 minutes and the price you’re quoted is final. Buy online right away or save your quote and lock in your price for 45 days or until the coverage start date (whichever is sooner).

How can I save on my auto insurance?

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.

BONUS: Have more than one vehicle insured with Sonnet? No matter which one your drive the most, we’ll automatically assign you as the primary driver to the vehicle that will give you the best price on your insurance.

How will I get my new pink slip?

Once you've purchase your auto policy, 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 for download and can be printed.

Looking for your pink slip in your account? Follow these steps:

  1. Log in to your account and click on your auto policy.
  2. Click Download documents.
  3. Select Download under your Liability Card.

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 pink 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, contact us.

Heads up! Although digital pink slips are now accepted in some provinces, you’ll still need to carry a physical pink slip for your Sonnet auto policy while driving. We do not offer an electronic pink slip option at this time.

Will my Sonnet auto insurance cover me as an Uber or Lyft driver?

Using your vehicle to carry paying passengers is considered business use and is NOT covered by your policy. This includes, but is not limited to Uber, Lyft or any other similar ridesharing services.

Do you need insurance if you lease or finance your car?

Yes, if you lease or finance your car you still need to purchase insurance that meets the regulatory requirements of your province. Insurance is not included in your lease. Keep in mind that your lessor or financing company may have specific coverage requirements for your vehicle as a condition of your agreement with them. Learn more about how leasing vs. financing a car affects your insurance.

Bundling discount reflects the best possible savings a customer could receive by bundling their home and auto coverage. Depending on your quote details, you may not be eligible for a discount.

The 5 minutes to get insured is based on the average Sonnet customer experience.

The Sonnet customer satisfaction score is based on the average survey results of Economical Insurance respondents between January to December 2018.