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Sonnet car insurance

Sonnet insurance lets Canadians shop auto coverage entirely online. It uses powerful data analytics to provide customized coverage at competitive rates. 

A big advantage of Sonnet car insurance is not having to go through a middleman, which means the quotes you receive are highly competitive.

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Online Claims

Roadside Assistance


Accident Forgiveness


Product NameSonnet Auto Insurance
Available CoverageAccident Forgiveness, Collision, Comprehensive, Rental Car, Third Party Liability, Windshield
Accident ForgivenessYes
Roadside Assistance
Online Claims
Discounts Available
Available ProvincesAlberta, New Brunswick, Nova Scotia, Ontario, PEI, Quebec
More Info

Sonnet Insurance is an entirely digital insurance platform that aims to provide customized coverage on home and auto insurance. It doesn’t rely on a middleman, which means more savings are passed on to the customer. Sonnet, a home and auto insurance provider founded in 2016 by Economical Insurance. Read our Sonnet car insurance review below to find out if it is right for you.

What coverage options does Sonnet car insurance offer?

Unlike other digital insurance boutiques, Sonnet insurance provides comprehensive coverage spanning auto, home, condo, tenant, landlord and pet.

Sonnet auto insurance lets you customize your coverage from bare-bones necessities to full coverage. The Ultimate Package covers everything from liability to collision and up to accident benefits, while also tacking on ticket forgiveness and rental benefits.

Sonnet insurance bundles

If you visit the Sonnet Insurance homepage, one of the first things you’ll see is the option to get a home and auto insurance quote in less than five minutes. The platform provides home and auto bundles that let you save on coverage. Whether you choose to bundle now or later, the same price applies to the policy.

Like other insurance providers, Sonnet car insurance also lets you or your spouse apply group discounts to your policy.

What Sonnet insurance exclusions do I need to know about?

Sonnet car insurance offers three tiers of protection: Essentials, Preferred and Ultimate. Each covers at least liability, accident benefits, collision, comprehensive and accident forgiveness. Your specific insurance policy will be generated electronically when you purchase coverage from Sonnet. There, you can review specific exclusions.

Benefits of Sonnet car insurance

  • Competitive rates. The biggest advantage with using Sonnet is not having to go through a middleman. This means the quotes you receive are highly competitive.
  • Bundle insurance for more savings. Sonnet doesn’t just provide auto insurance, it also covers your residence. By bundling insurance coverage, you’ll save on both.
  • Easy to understand. Insurance can be complicated but Sonnet makes it straightforward and easy. You can request a quote, review policy options and buy insurance directly through the platform without having to sift through complicated paperwork.

Drawbacks of Sonnet car insurance

  • Not available everywhere. Currently, Sonnet auto insurance is only available in Ontario, Alberta, Nova Scotia, New Brunswick and Prince Edward Island. In British Columbia, Sonnet offers home insurance only.

Other Sonnet car insurance reviews

The company currently has a B+ rating on the Better Business Bureau. Keep in mind that its parent company is Economical Insurance, which has been around since 1871.

Sonnet Insurance Awards

Sonnet insurance has earned several customer service awards. Sonnet was the only Canadian financial services company recognized by the Stevie Awards, an international competition that rates contact centres and customer service organizations.

Sonnet won bronze awards for innovation in customer service, contact centre of the year (up to 100 seats) and customer service department of the year (up to 100 seats).

Sonnet Car Insurance mobile app

Sonnet does not currently offer a mobile app.

Bottom line on Sonnet Car Insurance

Sonnet is a convenient option for digital natives looking to simplify their auto insurance. The platform is easy to navigate and provides comprehensive insurance quotes in less than five minutes. If you’re on the fence about switching insurance providers or are looking to see what’s out there, visit Sonnet’s website to learn more.

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