EV insurance that goes the distance

Saying goodbye to gas was a smart choice for your wallet and the planet. Don’t let higher EV insurance prices eat up those savings. Here’s how Sonnet empowers your drive and helps you save.

Exclusive FLO discount

FLO members could save more through our partnership with Canada’s reliable EV charging network. 

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Exclusive FLO discount

Savings for safe drivers

You could save up 35% for safe driving (Ontario and Quebec only). Plus, we donate 1% of your premium to local green charities.

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Savings for safe drivers

Guaranteed repairs

Get specialized care at certified shops in our preferred partner network, and we'll guarantee the repairs for as long as you own your vehicle.

Guaranteed repairs

Our net-zero promise

Protect your car, your home and the planet. We share your values and are committed to achieving net-zero emissions by 2040.

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Our net-zero promise

Driving sustainability forward

Just like you, we’re committed to a greener future. That’s why we’re taking steps to protect the environment we all share. Here’s how:

  • Planting roots: Investing in community climate action by planting over 12,000 trees with Green Communities Canada.
  • Cutting emissions: Actively reducing energy use and greenhouse gas emissions in our corporate buildings.
  • Building back better: Expanding programs that help customers use environmentally friendly, climate-resilient materials to rebuild their homes after a loss.


We’re proud to support the positive choices you’re making for your family’s future. Learn more about Sonnet’s commitment to sustainability.

A person planting a young tree sprout and a person riding a bicycle near spinning wind turbines, representing green community initiatives.

You’re already driving the future. Get electric vehicle insurance to match.

Car insurance that fits your needs

We make it simple to get the right car insurance for your electric car. Start with the basics required by your province, then tailor your policy with protection that fits your life.

Essentials, built-in

Your policy includes mandatory provincial coverage, plus optional add-ons to enhance your protection.

Collision coverage

This optional add-on protects your vehicle and its contents if you’re in an at-fault accident with another vehicle or a collision with an object.

Comprehensive coverage

Add this option to protect your vehicle from unexpected events like falling objects, vandalism, fire, theft, lightning, windstorm and earthquake.

How much does EV insurance cost?

Like gas-powered cars, the cost of electric car insurance is calculated based on multiple factors including: 

  • your driving history 
  • the type of vehicle you drive 
  • the coverage you choose 
  • your deductible

But, because EVs have high-tech systems and specialized parts, they can be more expensive to repair – and to insure. At Sonnet, we can help you cut those costs with real savings for FLO members and safe drivers.

Get a personalized quote and see how much you could save with Sonnet.

An orange electric car plugged into a green charging station with a protective shield icon hovering above, representing secure coverage.

Electric vehicle insurance FAQs

It often is. EVs are packed with advanced technology and specialized parts, which can be more expensive to repair or replace. That’s why we’re transparent about our pricing and offer built-in ways to help offset those costs, like savings for safe driving with Sonnet Shift and an exclusive discount for FLO members.

Generally, no. In Canada, electric cars are covered under a standard auto insurance policy. The key to getting the best car insurance for electric vehicles is choosing the right coverage options and deductibles that fit your needs.

Getting an EV insurance quote online with Sonnet is simple:

  1. Tell us about you and your vehicle
    Start by entering your EV details – year, make, model and how it’s used. Then, add your personal info.
  2. Customize your coverage
    Review and tailor coverages and deductibles to suit your needs.
  3. Purchase your policy
    When you’re ready, you can buy your policy securely online or save your quote and come back to it later.

We've made it easy to self-serve, but if you ever need help, our licensed experts are available to assist. Contact us.

Coverage depends on the type of equipment. Portable charging cables are covered by your car insurance. Charging equipment installed at home is typically covered under your home or tenant insurance Review both of your policies to make sure everything is protected.

Looking for home insurance to cover your EV charger? Bundle and you could save over 25% on home and auto insurance with Sonnet.†

Yes. Leasing and financing companies also typically require collision and comprehensive coverage on your electric car insurance policy to fully protect the vehicle. Ask them what they need you to have and tailor your policy to make sure you're fully covered.