What type of car insurance is mandatory in Ontario?

In Ontario, the minimum coverage required by law is:

Liability
Uninsured automobile coverage
Accident benefits

You can’t legally drive without these three.

Heads up! Starting July 1, 2026, Ontario’s making most accident benefits optional to give you more control over your coverage. Standard medical, rehabilitation and attendant care benefits are still mandatory.

You might want to add optional coverages that would help repair or replace your car if it’s damaged. Collision and comprehensive coverages aren’t required by law. But, they’re highly recommended if you want to avoid paying costly bills out of pocket. Collision takes care of damage to your car in case of an accident with another car or object. Comprehensive covers damage from fire, theft, falling objects, and more.

We always want you to be fully protected! Have questions about your policy? Reach out to one of our agents via chat or email. They’re happy to help!

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.

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.

*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 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.

Savings amount of over 25% amount is for customers who bundle their home and auto insurance, are deemed to be experienced drivers with clean driving records as per Sonnet’s underwriting rules, and who qualify for Canadian university alumni, conviction-free, multi-vehicle and winter tires discounts, where available. Savings amount is not available to residents of BC and AB as Sonnet does not offer auto insurance in those provinces. Savings amounts are not guaranteed and will depend upon each individual’s insurance profile.

Savings amount of over $700 is based on survey responses of 4,246 customers who purchased an auto insurance policy with Sonnet Insurance Company between February 2024 and February 2026 in Ontario. 53% of survey respondents indicated that their monthly price with Sonnet was lower than what they were paying previously. On average, the Sonnet price was $722 lower per year for respondents who indicated they were saving. Savings amounts are not guaranteed and will depend upon each individual’s insurance profile

Savings amount of over $500 is based on survey responses from 1,292 customers who purchased an auto insurance policy with Sonnet Insurance Company between February 2024 and February 2026 in Quebec. 63% of survey respondents indicated that their monthly price with Sonnet was lower than what they were paying previously. On average, the Sonnet price was $507 lower per year for respondents who indicated they were saving. Savings amounts are not guaranteed and will depend upon each individual’s insurance profile.

Savings amount of over $800 is based on survey responses of 1,464 customers who purchased either home insurance or an auto insurance policy with Sonnet Insurance Company between February 2024 and February 2026. 888 survey respondents indicated that their monthly price with Sonnet was lower than what they were paying previously. On average, the Sonnet price was $363 lower per year for home and $507 lower per year for auto for respondents who indicated they were saving. Savings amounts are not guaranteed and will depend upon each individual’s insurance profile.

Savings amount of over $350 is based on survey responses of 732 customers who purchased a home insurance policy with Sonnet Insurance Company between February 2024 and February 2026 in Ontario. 27% of survey respondents indicated that their monthly price with Sonnet was lower than what they were paying previously. On average, the Sonnet price was $356 lower per year for respondents who indicated they were saving. Savings amounts are not guaranteed and will depend upon each individual’s insurance profile.

Savings amount of over $300 is based on survey responses of 172 customers who purchased a home insurance policy with Sonnet Insurance Company between February 2024 and February 2026 in Quebec. 42% of survey respondents indicated that their monthly price with Sonnet was lower than what they were paying previously. On average, the Sonnet price was $363 lower per year for respondents who indicated they were saving. Savings amounts are not guaranteed and will depend upon each individual’s insurance profile.

Savings amount of over $1000 is based on survey responses of 4,989 customers who purchased either a home insurance or an auto insurance policy with Sonnet Insurance Company between February 2024 and February 2026 in Ontario. 2437 (200 for home and 2237 for auto) survey respondents indicated that their monthly price with Sonnet was lower than what they were paying previously. On average, the Sonnet price was $356 lower per year for home and $722 lower per year for auto for respondents who indicated they were saving. Savings amounts are not guaranteed and will depend upon each individual’s insurance profile.

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.