Whether you’re commuting to Charlottetown, running errands in Summerside or you’re just curious about
PEI car insurance coverage: What are the options?
Similar to
What coverage is required by law?
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.
Direct compensation for 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.
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.
What optional coverage can I add?
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.
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.
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.
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.
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.
Transportation costs
Helps pay for a rental car or transportation costs like public transit and ride share, while your vehicle is being repaired.
Get a PEI car insurance quote in minutes
Finding car insurance in PEI shouldn’t be complicated. That’s why we’ve made it easy to get a quote online in minutes. In just a few quick steps you’ll get a personalized car insurance quote for PEI that suits your needs.
Step one: Tell us about your vehicles and yourself
Share a few details like the year, make, and model for your car. We’ll also need the license, address and date of birth for yourself and any other drivers in your household.
Step two: Add your discounts
Who doesn’t love saving? If you’re a
Step three: Customize your coverage
Choose the protection that works for you. Adjust your coverage and deductibles to match your needs and budget.
Step four: Buy online or save your quote
Ready to go? Buy your policy online in minutes. Need more time? Save your quote – we’ll email it to you and hold the price for 45 days (if your info stays the same).
Need help along the way?
Our licensed insurance agents are here to help.
Driving in PEI with out-of-province insurance
Just visiting? You’re covered. If your car is insured in another Canadian province and meets PEI’s minimum coverage requirements, you can legally drive here.
Planning to stay? You’ll need to switch to a PEI insurance policy and register your vehicle locally, usually within 90 days.
File a claim online – anytime
We know filing
With Sonnet’s online claims service, you’ll get step-by-step guidance from start to finish. And if it’s an emergency, we’re here for you 24/7.
How to get cheap car insurance in PEI
Finding the best car insurance in PEI shouldn’t be complicated. At Sonnet it’s easy to find coverage that fits your needs, and budget. Let our secure online quoting do the heavy lifting, using your unique info (plus some smart math) to give you our best price.
Don’t just take our word for it. Here are a few more ways you could save:
- Bundle home and auto
Save more when you bundleauto andhome insurance with Sonnet. - Add a group discount
You might be eligible for exclusive savings if you’re aCanadian university or college alum, a Tangerine client or part of a participating employer, association, or union likeauto insurance for CUPE PEI members . - Think about car theft
Sadly, some vehicles are more likely to be stolen and that could mean higher premiums. Choosing a lower-risk vehicle or installing an anti-theft device could save you money. - Stay claims-free
No claims in the last 6 years? That could mean extra savings for you. - Looking for extra discounts?
Retired? You could also qualify for a discount.
Want to know how much you could save? Get a quote today.
FAQs
Is car insurance mandatory in Prince Edward Island?
To legally drive in the province of Prince Edward Island, your car insurance must include the following:
Liability coverage
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.
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.
Uninsured automobile coverage
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.
Accident benefits coverage
If you’re injured in an accident, this helps pay for some medical care, rehab and lost income – no matter who caused the accident.
When you get auto insurance with Sonnet, these coverages are automatically included.
How do you file a vehicle insurance claim in Prince Edward Island, Canada?
Filing an auto insurance claim with Sonnet is simple – and we’re here to help at every step.
Step one: Log in to your Sonnet account
This will give you quick access to your policy number and the coverage details of your car insurance policy.
Step two: Report your claim online or over the phone
To report your claim online:
Click the "Start a digital claim" button and follow the prompts.
Need help? Our claims team is available to you via chat Monday to Friday, 8 a.m.– 6 p.m. ET.
To report your claim over the phone:
Call 1-844-766-6384. Be sure to follow the prompts – this helps us properly direct your call and saves you time.
For non-emergencies, it’s best to call during business hours, Monday to Friday, 7 a.m.–8 p.m. ET.
Step three: Work with our claims team
Once we’ve confirmed your claim is eligible, your assigned claims team member will walk you through your coverage, explain your options and help get repairs started as soon as possible.
Step four: Settling your claim
When it comes time to pay, we’ll mail you (or the repair shop) a cheque based on your coverage and the type of claim. Your assigned claims team member will explain if and how your deductible will be applied.
Why can car insurance in PEI be more expensive than I expected?
The average car insurance in PEI tends to have some of the lowest rates in Canada. But insurers look at more than just where you live. Things like your driving history, the type of car you drive, how often you’re on the road, and even local accident and weather trends all play a role in your price.
And with repair costs and inflation rising across the country, rates are going up for many Canadians. So, even in a lower-cost province like PEI, everyone could be paying a bit more.