Is auto insurance taxable in Ontario?

No. If you live in Ontario, you won’t be charged HST on your car insurance. Why? Because car insurance premiums are considered financial services, and these types of services aren’t taxable in this province. So if you’re getting an online quote with Sonnet, there’s no need to worry about seeing additional taxes – what you see is what you get!

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Policies underwritten by Sonnet Insurance Company except for Sonnet Pet Insurance. Sonnet Insurance Company is registered with Autorité des marchés financiers as a property and casualty insurer (Reg #: 2000434353) and damage insurance agency (Reg #: 505190). Contact Sonnet in either capacity via chat, electronic note, or by logging into the customer portal at https://www.sonnet.ca/contact-us.

Bundling discount reflects the best possible savings a customer could receive by bundling their home and auto coverage. Depending on your quote details, you may not be eligible for a discount.

Possible savings of over $600 annually is based on survey responses of 10,586 customers who purchased an insurance policy with Sonnet Insurance Company between July 2020 and February 2021 in Ontario, Alberta and Quebec. 17% of survey respondents indicated that their monthly price with Sonnet was over $50 lower than what they were currently paying. Depending on your quote details, actual savings may vary.

*Complimentary one-year membership to TELUS Health Virtual Care is available to the primary named insured on a Sonnet property or auto policy. Offer is limited to one Sonnet account with at least one active home or auto insurance policy. The primary named insured’s partner, spouse and any dependents under the age of twenty-six may also use the TELUS Virtual Health Care membership. Offer does not extend to the purchase of a Sonnet Pet Insurance policy. Offer is not available to residents of New Brunswick. Note that controlled substances cannot be prescribed by TELUS Health Virtual Care.

Sonnet Pet is distributed under a distribution network agreement by Sonnet Insurance Company and is underwritten by Petline Insurance Company. Products are available to residents of B.C., Alberta, Ontario, Québec, New Brunswick, Nova Scotia and P.E.I. and provide coverage to eligible pets. All coverage described is subject to the terms, conditions, limitations and exclusions contained in our Policy Wordings. In the event of a discrepancy, your policy wording governs.

Sonnet Insurance offers online home and auto insurance to residents of Ontario, Quebec, New Brunswick, Nova Scotia and P.E.I. In B.C. and Alberta we offer online home insurance. Unfortunately, we’re not able to service Saskatchewan, Manitoba, Newfoundland & Labrador and the territories, or Alberta or B.C. auto insurance customers at this time.

Always refer to your insurance policy for information about your coverage, including limits, deductibles, and exclusions. In case of discrepancy, the insurance contract prevails over general information available on this site. Any policy related changes made on this site will not be effective until you receive confirmation.

Sonnet Shift is a trademark of Definity Insurance Company and/or its affiliates. Sonnet Shift is only available to residents of Ontario, and Québec.