Sonnet Car Insurance Review, Quote, Phone Number 2024

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Alexandre Desoutter updated on 27 March 2024

Looking for car insurance that's easy to manage and customized to your unique needs? Sonnet Car Insurance might be just what you're looking for.

In this review, we look at everything you need to know about Sonnet Car Insurance: coverage options, the pros and cons, the costs, the add-ons, and how you can save up to 35% on your premiums.

You can also use our free tool to compare Sonnet Car insurance quotes with other top providers in Canada and get the best deals so you can get a policy that suits you best.

Sonnet Car Insurance: Key takeaways

  • Built on 150 years of insurance experience.
  • Offers customizable options to fit your specific needs and budget.
  • User-friendly online platforms that make managing insurance policies simple and convenient.
  • Competitive rates with various discounts to help you save more.
  • Digital-first insurance provider making it faster and more efficient.
  • Get your policy completely online in a few quick steps.

Our review of Sonnet Car Insurance: 100% online car insurance

A digital-first insurance auto insurance provider, Sonnet Car Insurance stands out for its convenience, coverage options and excellent customer service.

Sonnet is a part of the Definity Financial family of companies that provide various insurance and financial services to Canadians. As a homegrown Canadian company, their easy-to-use online platform allows customers to manage their policies completely — from obtaining quotes to filing a claim.

To better understand if Sonnet Car Insurance is right for you, let’s take a look at the pros and cons listed below.

Pros of Sonnet Car Insurance

  • Availability of various discounts to help customers save money
  • Customizable coverage options
  • Responsive and knowledgeable 24*7 customer service as per several Sonnet car insurance reviews online
  • A large amount of discounts are available
  • Usage-based car insurance
  • Save up to 20% by bundling your auto and home insurance
  • Special discounts for Nissan and INFINITI vehicle owners
  • 24-hour towing assistance after an accident – across Canada

Cons of Sonnet Car Insurance

  • Limited coverage in some provinces
  • May not offer coverage options for drivers with a history of accidents or violations

If you think Sonnet could be the right choice for you, get a personalized quote right here in a few quick steps.

We recommend that you compare providers before deciding on one. You can use our free tool to compare Sonnet car insurance with quotes from other top providers right here.

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How to get a quote from Sonnet Car Insurance?

Getting a Sonnet Car Insurance quote is simple. You can either use our free tool or visit their website and click on the ‘Get a Quote’ button. Here's a simplified guide to getting a car insurance quote with Sonnet:

  1. Share Your Details: Just type in some info about your car (like its make, model, and year) and a bit about you (think driver’s license and where you live).
  2. Snag Some Discounts: Check out if you qualify for discounts. This could be anything from being a recent grad to being part of certain groups.
  3. Pick Your Plan: Decide if you want the standard insurance package or if you’re interested in saving money with a usage-based plan for safe driving.
  4. Tailor Your Coverage: Adjust your policy to make sure it fits what you need. Look over your coverage levels and deductibles closely.
  5. Buy or Bookmark: You can buy your insurance online straight away or save your quote to mull over. Sonnet will keep your quote on hold for 45 days, as long as your details stay the same.

What does Sonnet Car Insurance cover?

Car insurance policies in most provinces provide two kinds of coverage — one is mandatory and required for everyone to have and the other is optional. Sonnet Car Insurance provides both options as well as the convenience of controlling the policy and coverage of your choice. 

Here are the coverage options:

Mandatory Coverage

  • Liability: to provide financial support to you and other drivers in case of an accident
  • Accident Benefits: to cover all costs if you are injured or your vehicle is damaged from an accident*
  • Collision: to provide cost for repair in case you hit a vehicle or any object
  • Comprehensive Car Insurance: to provide support in case of vandalism, fire, theft or any kind of mishap

Optional Coverage

  • Accident forgiveness: If you have a clean record of 6 years there won’t be any increase in the rate for your first accident. The protection is automatically applied after 6 years.
  • Rental Extension Bundle: Coverage in case you give your vehicle for rental or damage caused to any vehicle which you borrowed. Not available in Ontario.
  • Vroom Service Bundle: Roadside assistance with a reimbursement of $68.85. Waiver up to $1,377.05 in case of hit-and-run. Not available in Ontario

*Included as part of your government car insurance plan in Quebec, BC, Manitoba and Saskatchewan.

Good to know

Keep in mind that car insurance in Ontario isn't the same as in Alberta or Quebec. The significant differences between the provinces mean that policy details and prices aren't the same in any two places. So it's recommended to get personalized quotes based on your province.

How much does Sonnet Car Insurance cost?

The median cost of car insurance with Sonnet in Canada is $2,006 per year which is almost as much as the amount the company claims the average Canadian spends on gas annually ($1,706). However, the cost of car insurance varies for each person. It is based on factors such as driving history, your car type, your age, and your insurance requirements. 

To give you a better understanding of this, here’s a sample quote from Sonnet Car Insurance. We take a look at the policy plan of a 36-year-old woman who drives a 2018 Toyota Camry SE. After including the below options, her yearly premium total stands at $3,552.79.

Coverage TypeCoverage Amount
Collision - At Fault
$1,000 deductible
$500 deductible
Family Protection
Rental Costs
30 days
Non-Owned Vehicle Coverage
30 days
Roadside Assistance
Hit and Run Deductible Waiver
Enhanced Protection Bundle
Standard Accident Benefits
Income Replacement
Up to $400/week
Caregiver and Housekeeping Benefit
Childcare Benefit
Death Benefit
  • $25,000 spouse
  • $10,000 dependants
  • $6,000 funeral
Medical Care for Catastrophic Injuries
Medical Care for Other Injuries
Sonnet sample policy

You can get personalized quotes from Sonnet right here in a few moments. It's free and completely online.

How can you save with Sonnet Car Insurance?

There are several ways in which you can save money with your Sonnet Car Insurance:

  • By buying insurance online.
  • If you have not made any claims for six years.
  • If you drive safely and have not received any tickets, you can get rewarded. You can save up to 35% for driving safely, and 10% for driving less.
  • If you insure more than one vehicle with Sonnet - multi-vehicle discount.
  • If you insure both your home and your car you can save up to 15% on your policy
  • In Ontario, you can save money by using winter tires.
  • Discounts for Canadian University and College Students & Graduates.

To get the best deals, use our free tool below to compare car insurance quotes from the best providers in Canada.

Compare Canada's best car insurance plans

Start saving today

How to contact Sonnet Car Insurance?

Sonnet Car Insurance provides round-the-clock advisors who are available Monday to Friday from 8 am to 6 pm. Their fully licensed Insurance Advisors can answer any of your questions about claims, coverage, pricing and billing. 

You can get in touch with Sonnet support in the following ways:

Contact TypeContact Details
Already a customer
Use your sonnet car insurance login
Insurance advisors
Fill out the form on their Contact Us page
Quick chat
Use their chatbot Sonny, available at the bottom right corner of the screen
Roadside assistance and towing
Sonnet car insurance phone number: 1-888-668-6087
Sonnet auto insurance contact info
sonnet contact methods
Sonnet Car Insurance Contact Information

How to change your address on Sonnet Car Insurance?

The process of updating your information and address is quite easy. You can use the Move Tool feature by logging in to your account. Go to the bottom of the homepage and click on “Are you Moving”? Follow the instructions to complete the change and once that is done your documents will be updated accordingly. 


Start saving today! Get a free car insurance quote

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Alexandre Desoutter

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.

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