Sonnet Car Insurance is a fully online insurance provider offering home and auto coverage, backed by Definity Financial Corporation. Their biggest draw is competitive rates on car insurance, made possible by their online model that passes savings directly to customers. Sonnet promises an auto insurance quote in just 5 minutes after answering a few easy questions.
While customer reviews have been mixed, especially when it comes to customer service, many drivers are drawn to the convenience and affordability Sonnet brings to the car insurance for Canadians. If you’re looking for car insurance that’s modern, straightforward, and budget-friendly, Sonnet is well worth considering.
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Sonnet Car Insurance features
Here’s a look at what Sonnet offers for car insurance features:
Verified on August 29, 2025
Why You Want It
Get a quick quote online for competitive rates + Add on optional coverages.
Special Features
- Optional coverage that provides reimbursement for roadside assistance expenses
- Company is committed to achieving net-zero emissions by 2040
Eligibility
- Canadian citizen
- Age of majority
Provinces
NB, NS, ON, PE, QC
Features
Liability Insurance
Accident Benefits / Bodily Insurance
Collision Insurance
Comprehensive Insurance
Emergency Road Service
Uninsured Motorist Coverage
Direct Compensation Property Damage
All Perils
Specified Perils
Accident Forgiveness
Replacement Value For Total Loss
Family Protection
New Vehicle Protection / Depreciation
Loss Of Vehicle Use Endorsement
Rented Or Borrowed Car Protection
Ride Sharing
Conviction Protection / Ticket Forgiveness
Disappearing Deductible
Sonnet Car Insurance product rating: 4.7 stars
Sonnet Car Insurance is the top option for auto insurance for a reason – actually, for several reasons. It's competitively priced, comprehensive, customizable, and offers several add-ons to provide coverage beyond the basics. Plus, their website is super easy to use, and if it's this easy to request a quote, it's probably pretty easy and convenient to manage your car insurance online once you've purchased a policy.
Sonnet’s downsides lie in their poor customer reviews, consistently pointing out poor customer service and rate hikes. While being fully digital has its perks, Sonnet doesn’t offer their services in every province and may be lacking a personal touch.
Learn more about our rating methodology.
The pros of Sonnet Car Insurance
There are plenty of details that make Sonnet Car Insurance appealing. Here are a few of our favourites:
Pros
Ticket forgiveness and other perks
Sonnet offers several ways for you to save on your car insurance, including discounts for being claims-free, insuring multiple vehicles, bundling insurance, and more. They also offer ticket forgiveness, accident forgiveness, and other perks – their cancellation calculator can give you a detailed example of the savings you'd get by transferring your insurance over to them.
A user-friendly digital experience
Accessing your account on Sonnet’s website, you get information about your car insurance coverage in easy-to-understand terms. Sonnet will also use what information they have about your driving habits to offer tips about how to be a safer driver. This information can also be used to lower your premiums.
Fast, precise quotes
Sonnet uses specific information in the quoting process, so that the premium you pay is exactly what was initially quoted. For example, they’ll ask for your driver’s license number as well as specifics about your commute. They also collect up-to-date information on neighbourhoods, like recent claims and crime levels. These things help Sonnet provide a precise quote in minutes.
Vroom service bundle and other customization options
Sonnet has some customization built right into the car insurance quote process, allowing customers to add extra coverages to their pre-set packages. Some of the optional coverages include accident and ticket forgiveness, rental extension bundle, and Vroom service bundle. These coverages are explained in plain language and your quote is updated to reflect any changes.
The cons of Sonnet Car Insurance
Here’s a couple of things to consider with Sonnet Car Insurance:
Cons
Mixed online reviews
If you do a quick Google search for "Sonnet insurance reviews," you’ll notice that there are quite a few people out there who are less than happy with their interactions with Sonnet. You do have to take this with a grain of salt, of course, because their Trustpilot score is rated as a 4 out 5 with over 3,000 reviews. In any case, it’s something you’ll want to research before making a final decision.
Unexpected rate hikes
One thing we noticed while reading through reviews are a number of people who, through no fault of their own, ended up having their rates bumped up significantly upon renewal. Sonnet does adjust its rates based on things like neighbourhood data and crime levels, so it looks like your rates can change even if you don’t make any claims.
Not available in all provinces
Despite being "Proudly Canadian," Sonnet doesn't provide car insurance for all Canadians. At the time of writing, Sonnet Car Insurance is only available in Alberta, P.E.I., New Brunswick, Nova Scotia, Ontario, and Quebec. We hope that they expand to other Canadian provinces and territories, but we're unaware of whether Sonnet currently has plans to do so.
No in-person opportunities
Sonnet has chat and email support, but they're not the company for you if you want an in-person touch. Those who are more comfortable speaking face-to-face with an insurance representative will want to try an insurance broker or another more traditional insurance provider.
Sonnet Car Insurance alternatives
Sonnet’s claim to fame is largely due to their lower prices, but in many cases you get what you pay for. Here’s a look at Sonnet’s available coverages compared to 3 more traditional insurance companies.
 |  |  |  | |
|---|---|---|---|---|
| Account | Sonnet Car Insurance | Desjardins Car Insurance | TD Auto Insurance | Scotiabank Car Insurance |
| Genius Rating | ||||
| Why You Want It | Get a quick quote online for competitive rates + Add on optional coverages. | Perks for customers under age 25 + Ajusto program offers discounts. | Membership discounts for 750+ groups + Save with TD MyAdvantage. | 24/7 claims assistance available + Bundling discount opportunities. |
| Liability Insurance | | | | |
| Accident Benefits / Bodily Insurance | | | | |
| Collision Insurance | | | | |
| Comprehensive Insurance | | | | |
| Emergency Road Service | | | | |
Show More | ||||
| Get a quote See more Sonnet products Compare | Learn More See more Desjardins products Compare | Learn More See more TD products Compare | Learn More See more Scotiabank products Compare |
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FAQ
Why choose Sonnet Car Insurance?
With Sonnet Car Insurance, you'll receive fast and precise quotes, enjoy some surprising perks, and save money overall. A few details are disappointing, such as the lack of brick-and-mortar branch locations, but the pros far outweigh the cons.
Is Sonnet Car Insurance available everywhere in Canada?
No. Sonnet currently only offers car insurance to people living in Alberta, Ontario, Quebec, New Brunswick, Nova Scotia, and PEI. While we hope that this changes in the future, there hasn't been any communication from Sonnet on the subject.
Does Sonnet offer similar insurance coverage as other insurance providers?
Sonnet’s primary selling point is that it has lower rates than comparable insurance companies, but it also provides relatively similar auto insurance coverage as its competitors, ranging from essential to full coverage with options to personalize packages with add-on protections.
How long has Sonnet been in business?
Sonnet Insurance was founded in 2016, is headquartered in Toronto, and is part of a family of insurance companies controlled by the Definity Insurance Company. They’re federally regulated and underwrite their own insurance policies, including auto, home, and condo insurance.
Why is Sonnet Car Insurance so cheap?
Since Sonnet Car Insurance is fully online, its overhead is lower than other companies that operate brick-and-mortar business locations. Sonnet is therefore able to pass down these savings and provide customers with reasonable insurance rates.
Rating methodology
To calculate our Genius Ratings, we compare the features of the account or product in question with other similar products in Canada. We give each feature a score out of 5 based on that comparison. Once we’ve rated all the features, we run them through our proprietary algorithm to produce a final rating out of 5.
Editorial Disclaimer: The content here reflects the author's opinion alone, and is not endorsed or sponsored by a bank, credit card issuer, rewards program or other entity. For complete and updated product information please visit the product issuer's website.
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