Whether you’re taking road trips to experience the beauty of Peggy’s Cove and the Bay of Fundy, or commuting into downtown Halifax to get to work, Sonnet has you and your vehicle covered in Nova Scotia.

Sonnet offers easy to understand, competitively priced Nova Scotia auto insurance with fast and simple online quoting, helping you find a policy made just for you.

It’s simple to get a Nova Scotia car insurance quote

Quote online with Sonnet and get the Nova Scotia auto insurance policy that’s tailored to your needs.

First, have your driver's licence and the licence of any other drivers in your household handy. Then, answer some questions and add any group or alumni discounts that apply to you. Finally, customize your coverage and then buy or save your quote.

Get your Nova Scotia auto insurance quote now.

Benefits of getting a Sonnet auto insurance policy in Nova Scotia

Sonnet is here to protect you if an accident happens.

• Customer satisfaction: Online doesn’t have to mean on your own. Our fully licensed agents are here to help. Email, chat, or call us to experience our top-quality customer care for yourself.
• Unique policies: Alongside the mandatory coverages we offer, you can choose your own limits and deductibles, plus optional add-ons for extra protection.
• Online quoting: With our fully online quoting, you can go straight from browsing to buying from the comfort of your own home.
• 24/7 towing: On top of our round-the-clock auto claim reporting, we offer 24/7 Canada-wide towing so you can get help when you need it most.

Nova Scotia car insurance coverage options

When you're getting a car insurance quote in Nova Scotia, it’s important to know that there are some coverages that are required by law. You can also add optional coverages to increase your protection.

Mandatory car insurance coverage in Nova Scotia

• Liability: This covers damage or injury you cause to someone else or their property in an accident. It also covers the cost of your legal defence if you’re sued for the accident. 

• Accident benefits: If you’re injured in an accident, this helps pay for some medical care, rehab and lost income – no matter who caused the accident.

• Uninsured automobile: Protects you if you're in an accident with an uninsured or unidentified driver, allowing you to use your own insurance to pay for medical, rehab or vehicle repair costs.

• Direct Compensation Property Damage (DCPD): If you’re in a collision and not at fault, this covers damage to your car and its contents through your own insurer. If you’re partly at fault, it covers the portion you’re not responsible for. Keep in mind, hit and runs aren’t covered under DCPD, so consider adding collision or upset coverage for that. 

Optional car insurance coverage in Nova Scotia

• Collision or upset: Covers repairs if your vehicle collides with another car or an object, like a guardrail or a snowbank. This also provides coverage if your car rolls over or if your vehicle is subject to a hit and run and reported to police within 24 hours. 

• Comprehensive: Covers loss or damage from non-collision events like theft, vandalism, fire or weather. Although collision and comprehensive coverage are optional, they’re highly recommended. Without them, you’ll have to cover the costs if any of the above happen.

• Specified perils: Protects your car only against specific risks like fire, theft, hail or flooding.

• Transportation costs: Helps pay for a rental car or transportation costs like public transit and ride share, while your vehicle is being repaired.

• Accident forgiveness: Have a clean driving record for the past six years? We’ve got your back. Your first at-fault accident won’t change your rating. It only applies to your first at-fault accident. If there’s another one, accident forgiveness comes off your policy, and both accidents will count toward your rate.

• Ticket forgiveness: Minor ticket? No big deal. If you’ve kept a clean record for six years, your first minor conviction won’t affect your rate at renewal. If you receive another minor ticket within three years of the first, this coverage ends. This means your rate will reflect both tickets – and any future ones.

• All perils: The broadest coverage option. It includes all the benefits of collision and comprehensive protection. Plus, it covers you if your car is stolen by an employee or a member of your household.

• Depreciation waiver: If your newly leased or owned car is a total loss, you could get the purchase price of your vehicle, without a reduction for age or wear and tear.

File a claim online

Sonnet offers 24/7 claims reporting – online or over the phone, it’s your choice.

Filing online is simple with Sonnet. First, log into your account and tell us about the incident. We’ll gather the required information like photos, receipts of lost or damaged items and any contact information. Then, our claims team will work with you to settle your claim and get you back to good.

Sonnet helps you save on auto insurance in Nova Scotia

We know life can be expensive. Keep more cash in your pocket by taking advantage of the savings and discounts Sonnet has to offer. Nova Scotia drivers (that’s you!) can save with Sonnet by:

• Bundling home and auto
• Insuring more than one vehicle with us
• Adding a group discount for Canadian university and college alumni, Tangerine Bank clients, eligible employees and members, and so much more

Remember, auto insurance rates in Nova Scotia are unique for each driver. To get your price, car insurance companies look at certain factors including your personal driving and claims history, where you live, the type of vehicle you drive, and how you use it. Get a free online quote today to see how much you could save with Sonnet.

Nova Scotia auto insurance FAQs

Can I get auto insurance in Nova Scotia with a suspended or out-of-province licence?

To get auto insurance in Nova Scotia, you need to have a valid driver’s licence. Unfortunately, you can’t purchase a policy with Sonnet if your licence is suspended.

In Nova Scotia, out-of-province drivers with a valid licence from another province or country can drive in Nova Scotia for 90 days. After 90 days, they must apply for a Nova Scotia drivers' licence.

Keep in mind, when you move from one province to another your driving history and past claims transfer over as well. Any information the government has regarding your previous driver’s licence will be applied to your new one.

Does Nova Scotia have no-fault car insurance?

Yes, Nova Scotia has a “no-fault” car insurance system. But, the name can be misleading. “No fault” insurance actually refers to how a claim is paid out when an accident happens with another vehicle. In this type of system, you’ll always deal with your own insurance company, no matter who’s at fault in a collision.

How can I lower my car insurance rates in Nova Scotia?

One of the best ways to lower your car insurance rates is to prevent them from increasing at all! You can do this by driving safe to avoid accidents and tickets, and being conscious of how your vehicle’s year, make and model could affect your price if you’re buying a vehicle – some are more expensive to insure since they’re more likely to be stolen.

These aren’t the only ways to save money on car insurance. Add a group discount, bundle your home and auto together, or consider reducing physical damage coverage on an older car.

How do you file a vehicle insurance claim in Nova Scotia?

To file a claim for your Nova Scotia auto insurance policy, complete the following steps:

Step 1: Log into your Sonnet account.

This will automatically pull important information like your policy number and vehicle details.

Step 2: Report your claim online or over the phone.

To report your claim online:

Click the “start a claim” button on our auto claims page or in the claims section of the Sonnet app and follow the prompts.

Have any questions? Our claims team is available to you during business hours, Monday to Friday, 8 a.m. to 6 p.m. ET.

To report your claim over the phone:

Contact us at 1-844-766-6384. It’s best to call during work hours Monday to Friday, 7 a.m. to 8 p.m. ET, unless it’s an emergency.

Step 3: Work with our claims team

Once you’re deemed eligible, a claims team member will support you through the next steps. They’ll walk you through your coverage, the options available to you, and how to get repairs started as soon as possible.

Step 4: Settling your claim

When it comes time to pay, we’ll mail you (or the repair shop) a cheque based on your Nova Scotia car coverage and the type of claim. Your assigned claims team member will explain if and how your deductible will be applied.