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Adulting is hard. Sonnet is simple.

Sonnet offers affordable car, home and tenant insurance. Get a quote in minutes and see how simple it is to save.

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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.

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.

Buy insurance securely online in minutes

Sonnet is simple! Just answer a few questions and customize your insurance coverage. Then, buy directly online. Our secure online platform protects your info from start to finish. This includes the details you share during and after your quote. Plus, we offer secure payment options at purchase. We even require two-factor authentication when you log into your account. You can trust that we’ll have you covered.

Built on 150 years of insurance experience

Get insurance you can trust. Built for the 21st century, backed by history.

Backed by 1600+ unedited reviews you can trust

Don’t take our word for it! Read reviews from real customers who already love us!

64,000+ hours spent helping customers

Our licensed insurance experts are here to help. Get in touch by phone, chat or email.

A simple switch gets you smart savings

Get a quote to see how much you can save. We offer discounts for:

Canadian University and College Students & Graduates*
Bundling
Multi-vehicle
Multi-location
Groups & Associations
Claims free
Ticket free

Learn how to switch and save today

Net-zero by 2040

Protect your home, your car, and your planet. We’re committed to achieving net-zero emissions by 2040.

Proudly Canadian

We’re a homegrown Canadian insurance company, part of the Definity family of companies.

Check out our blog for advice on topics from insurance to finance and more.

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Get a home insurance quote in Alberta or British Columbia. Or bundle your home and auto insurance in Ontario, Quebec, New Brunswick, Nova Scotia, and P.E.I. Coast to coast, we have coverage options tailored for you.

Car insurance

Get complete auto coverage you can count on. We offer extra coverage like accident benefits and ticket forgiveness. Plus, add on roadside assistance, vehicle replacement and more.

Home insurance

Your house and everything in it is covered. Add extras like sewer backup or first claim forgiveness to your home insurance to feel protected. We’ll be here to help you during a claim.

Condo insurance

Insurance built just for condo owners. You’re covered for all the basics like liability and personal belongings. Plus, get special condo coverage to help in situations unique to condo owners.

Tenant insurance

Get a policy that’s tailored for renters. Count on full coverage for liability and your personal belongings. We’ll even cover extra expenses and unit improvements in the event of a claim.

Landlord insurance

Protect your investment with a policy built just for landlords. You’ll get liability coverage and a policy that protects certain belongings on your property. Plus, you’re covered for rental income in the event of a claim.

Pet insurance

Focus on your pet’s health and happiness. Worry less about the burden of vet bills. Sonnet Pet Insurance offers insurance for wellness, accidents and illnesses, dental coverage and more. Relax knowing your best friend is covered.

Car insurance

Get complete auto coverage you can count on. We offer extra coverage like accident benefits and ticket forgiveness. Plus, add on roadside assistance, vehicle replacement and more.

Home insurance

Your house and everything in it is covered. Add extras like sewer backup or first claim forgiveness to your home insurance to feel protected. We’ll be here to help you during a claim.

Condo insurance

Insurance built just for condo owners. You’re covered for all the basics like liability and personal belongings. Plus, get special condo coverage to help in situations unique to condo owners.

Tenant insurance

Get a policy that’s tailored for renters. Count on full coverage for liability and your personal belongings. We’ll even cover extra expenses and unit improvements in the event of a claim.

Landlord insurance

Pet insurance

Adulting made simple. When you need help with claims, it’s at the ready 24/7.

We've got 600 Claims team members and 24-hour emergency claims service. And, we’re just a phone call away. Whether you’re making a home or auto claim, we’ll get you the help you need as quickly as possible.

Sonnet Pet is distributed under a distribution network agreement by Sonnet Insurance Company and is underwritten by Petline Insurance Company. Products are available to residents of B.C., Alberta, Ontario, Québec, New Brunswick, Nova Scotia and P.E.I. and provide coverage to eligible pets. All coverage described is subject to the terms, conditions, limitations and exclusions contained in our Policy Wordings. In the event of a discrepancy, your policy wording governs.

*Complimentary one-year membership to TELUS Health Virtual Care is available to the primary named insured on a Sonnet property or auto policy. Offer is limited to one Sonnet account with at least one active home or auto insurance policy. The primary named insured’s partner, spouse and any dependents under the age of twenty-six may also use the TELUS Virtual Health Care membership. Offer does not extend to the purchase of a Sonnet Pet Insurance policy. Offer is not available to residents of New Brunswick. Note that controlled substances cannot be prescribed by TELUS Health Virtual Care.

Sonnet Insurance offers online home and auto insurance to residents of Ontario, Quebec, New Brunswick, Nova Scotia and P.E.I. In B.C. and Alberta we offer online home insurance. Unfortunately, we’re not able to service Saskatchewan, Manitoba, Newfoundland & Labrador and the territories, or Alberta or B.C. auto insurance customers at this time.

Always refer to your insurance policy for information about your coverage, including limits, deductibles, and exclusions. In case of discrepancy, the insurance contract prevails over general information available on this site. Any policy related changes made on this site will not be effective until you receive confirmation.

Sonnet Shift is a trademark of Definity Insurance Company and/or its affiliates. Sonnet Shift is only available to residents of Ontario, and Québec.

*The discount will be available to Canadian college alumni in B.C. on August 18, 2023 and in P.E.I. on August 19, 2023.

As of May 9, 2022, Sonnet Insurance has 1694 reviews on Trustpilot, with an average star rating of 4.2 out of 5. For more information, visit trustpilot.com/review/www.sonnet.ca.

The number of hours spent helping customers is based on total talk time over chat and phone from April 20, 2020 to December 31, 2020.

Possible savings of over $800 annually is based on survey responses of 1,168 customers who purchased an auto insurance policy with Sonnet Insurance Company between March and September 2024 in Ontario. 620 survey respondents indicated that their monthly price with Sonnet was lower than what they were paying previously. Survey respondents who reported savings saved on average approximately $816 per year. Savings amounts are not guaranteed and will depend upon each individual’s insurance profile.

Possible savings of over $500 annually is based on survey responses of 497 customers who purchased an auto insurance policy with Sonnet Insurance Company between March and September 2024 in Quebec. 278 survey respondents indicated that their monthly price with Sonnet was lower than what they were paying previously. Survey respondents who reported savings saved on average approximately $504 per year. Savings amounts are not guaranteed and will depend upon each individual’s insurance profile.

Savings amount is the maximum savings amount on home and auto insurance for Canadian University and College Alumni who bundle their home and auto insurance, are deemed to be experienced drivers with clean driving records as per Sonnet’s underwriting rules, and who qualify for Canadian university alumni, conviction-free, and multi-vehicle discounts. Savings amounts are not guaranteed and will depend upon each individual’s insurance profile.