Protect your vehicle with Québec car insurance

Buy car insurance online in 5 minutes.

Do you spend your weekdays navigating rush hour traffic in Montréal? Driving from Laval to Québec City to visit friends and family? No matter where you’re living and driving in Québec, you need auto insurance to protect you and your car. That’s where 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.

Whether you lease, finance or own your car, you need certain basic coverages to be able to legally drive. There are also additional coverages available to increase protection for yourself and your vehicle. Here’s a breakdown of what standard car insurance covers in Québec. You should always review your auto policy so you know exactly what you’re covered for – and what you’re not.

Mandatory auto insurance coverage
Civil 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.

Bodily Injury

In Québec, bodily injury is covered by the government’s public automobile insurance plan – the Société de l'assurance automobile du Québec. The SAAQ protects Québecers in the event of injury or death as a result of an auto accident, no matter who’s at-fault.

Collision

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 coverage is usually mandatory if you’re leasing or financing your vehicle.

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, hail, vandalism, fire, theft, lightning, windstorm and earthquake. Comprehensive coverage is usually mandatory if you’re leasing or financing your vehicle.

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.

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. (Unavailable in Québec).
  • 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).
"Seriously, the prices are so competitive that I called twice to make sure there wasn't a mistake with my online quote!" "Finally, an insurance company that fits in with my life: 100% self-serve (with a REALLY NICE, user-friendly website), easy to understand, personalized and fast. Hooray for Sonnet!" "I just got my insurance with Sonnet and I'm definitely saving on my annual premium. On top of that, they have excellent customer service. Get a quote and see for yourself!"

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.

How do I get the pink slip for my new car insurance?

Once you've purchased your auto policy, we’ll send you an email with a link to activate your Sonnet account. Your car’s pink slip (also known as your liability card or liability slip) and proof of insurance will be accessible directly through your account. From there, you can download and print them out.

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 to get your pink slip.
  4. We’ll also send you a hard copy of your new pink slip through the mail (which takes about 5 business days).

Haven’t received your liability 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.

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.

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).

How do I know how much auto insurance coverage I need?

There are a couple of things you need to consider:

Liability limits. We'll cover you and the people on your policy for valid claims, and the cost of settling those claims, if you're held liable for injuries or damage to someone else's property as a result of an auto accident. Tip: Minimize how much you could be financially liable for in the case of a major accident by increasing this limit.

In Quebec, we cover the damages to your vehicle as well as those to someone else’s property. However, injuries are covered under the Quebec public insurance plan, SAAQ.

Extra coverages. If your vehicle would cost more than the deductible amount to repair it, you might consider adding Collision: Your Fault and/or Comprehensive coverage. (In Quebec, Collision coverage is called “Collision and Upset”, and Comprehensive is known as “All Perils Other than Collision and Upset”.) If your vehicle is involved in a collision with another object or tips over, Collision coverage will help cover the damage. Comprehensive covers your vehicle against loss or damage other than what's covered by Collision. This includes falling or flying objects, missiles and vandalism, and all the things listed under Specified Perils.

What is full coverage insurance?

Full coverage can differ from one insurer to the next, and can also change depending on whether you own, lease, or finance your car.

“Full coverage” generally means that you have comprehensive, collision and liability coverage. However, sometimes insurance companies include extra coverages as part of this package, like rental cars or ticket forgiveness.

If you lease or finance your car, your lessor or financing company may have additional or specific coverage requirements for your vehicle as a condition of your agreement with them. It’s always best to compare your agreement and policy to be sure.

Average monthly premiums for auto insurance in Québec are based on current Sonnet policies as of February 2021, with assumptions made to determine demographic groups.