Protect your car with insurance for Ontario drivers

Buy car insurance online in 5 minutes.

Are you a rush hour commuter in a suburb like Burlington? Do you travel the scenic roads of northern Ontario towns like Sudbury? Wherever you drive in Ontario, you need car insurance you can trust. From London to Waterloo, Newmarket to Peterborough, Sonnet has you covered. 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 your drive is worry-free.

The Ontario government regulates coverage for auto insurance. To make sure everyone has basic protection, certain coverages are required. There are also options to add to or increase your coverage. Here’s a list of what standard car insurance covers in Ontario. The best way to know what’s covered and what’s not is always to review your actual policy.

Mandatory auto insurance coverage
Liability

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

If you sustain any injuries or damages from an accident, the standard benefits will cover your costs for medical, rehabilitation, and income replacement. In Ontario, there is additional coverage for caregiver and housekeeping or home maintenance benefits. You can also choose to upgrade any of your standard accident benefits coverages or purchase optional benefits.

Collision - Your Fault

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.

Collision - Not Your Fault

Also known as Direct Compensation - Property Damage (DCPD). This is the portion of your insurance policy that covers the damage to your vehicle to the extent that you’re not at fault for a collision.

Comprehensive

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.

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.
  • 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 you 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).

The cost of insurance for each driver is unique. Insurance companies look at your personal driving and claims history. They also consider where you live and the type of vehicle you have. Plus, they’ll factor in how you use your car. Here are some examples of the average price of auto insurance with Sonnet in Ontario:

University alumni in Orleans on average can get auto insurance that adds up to about the cost of your daily coffee habit each month.

The average person in Waterloo, can bundle their home and auto insurance for less than the average household spends monthly on dining out.

The cost of insuring an older vehicle in Newmarket is on average around half of a typical monthly grocery budget for two.

“…I’ve enjoyed the easy customer service and quick responses to all of my questions. I look forward to adding home insurance in the near future.” “From the moment we joined Sonnet, we felt protected. We were fully covered for damages to our vehicle and couldn’t be happier with the repair outcome. The process was a breeze!”

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.

Do I need insurance for a leased or financed car?

Yes, you’ll still need to get car insurance for your leased or financed vehicle. It’s not included in your lease or contract.

The leasing or financing company may have specific car insurance requirements as a condition of your contract with them. These could include a minimum deductible for collision and comprehensive coverages. You’ll also need to list them on your policy as an additional interest, since they have a stake in your car. And, they’ll require you to provide them with proof of insurance.

Still have questions? Learn more about how leasing vs. financing a car affects 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.

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 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).

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

Average monthly premiums for auto insurance in Ontario are based on current Sonnet policies as of July 2020, with assumptions made to determine demographic groups.