Is Sonnet Auto Insurance Legit?: Scrutinizing the Credibility and Reliability of Coverage

Sonnet Auto Insurance Review: Is It Legit and Worth It?

If you are looking for a car insurance company that offers online quotes, customized coverage, and competitive prices, you might have come across Sonnet Auto Insurance.

Sonnet is a Canadian insurance company that claims to be the first online car insurance company in the country.

But is Sonnet Auto Insurance legit and worth it?

In this post, we will review Sonnet Auto Insurance features, benefits, drawbacks, and more to help you decide if it is the right choice for you.

Sonnet Auto Insurance
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What is Sonnet Auto Insurance?

Sonnet Auto Insurance operates under the umbrella of Sonnet Insurance, a subsidiary of Economical Insurance, a prominent and highly reputable insurance company in Canada.

As a subsidiary of Economical Insurance, Sonnet Insurance leverages the financial strength and extensive industry expertise of its parent company, adding a layer of trust and reliability to its offerings.

Launched in 2016, Sonnet Insurance has established itself as a forward-thinking digital platform that specializes in providing home and auto insurance quotes and policies online.

This modern approach to insurance allows customers to conveniently access and manage their insurance needs through digital channels. Sonnet Insurance’s commitment to a seamless online experience aligns with the evolving preferences of consumers seeking efficient and user-friendly ways to secure insurance coverage.

Specifically, Sonnet Auto Insurance caters to residents in key provinces, including Ontario, Québec, New Brunswick, Nova Scotia, and P.E.I. This regional presence ensures that individuals in these areas can benefit from Sonnet’s auto insurance offerings, tailored to meet the unique requirements and regulations of each province.

By combining the digital convenience of Sonnet Insurance with the comprehensive coverage options of Sonnet Auto Insurance, customers can experience a modern and efficient approach to securing their auto insurance needs.

How does Sonnet Auto Insurance work?

Sonnet Auto Insurance makes it simple for you to get a car insurance quote and purchase a policy right from the comfort of your home. All you need to do is answer a few easy questions about yourself, your car, and your driving history. Then, Sonnet takes that information and creates a personalized quote designed to meet your specific needs and preferences.

You have the flexibility to adjust your coverage options, deductibles, and limits, seeing how these changes affect your price in real-time. Once you’re happy with your quote, you can securely buy your policy online and instantly receive proof of insurance.

Not only that, but Sonnet also lets you take control of your insurance journey. You can manage your policy, make any necessary changes, file claims, and even renew your policy – all conveniently online through your Sonnet account.

This way, Sonnet Auto Insurance puts you in the driver’s seat, making the entire process straightforward and accessible.


Sonnet Auto Insurance Contact Information

Sonnet Insurance is an online home and auto insurance company that offers personalized coverage and competitive rates. Here are some ways to contact them:

  • You can visit their website at Sonnet Insurance and chat with their Insurance Advisors or their chatbot. They are available Monday to Friday from 8 a.m. to 6 p.m. ET. You can also email them at, and they will reply within one business day.
  • You can call their 24/7 hotline number at 1-844-766-6384 if you need to file a claim or get emergency assistance. They have a team of 600 claims professionals ready to help you.
  • You can also find more information about Sonnet Insurance on ZoomInfo, Carsurance Canada, and Financial Services Regulatory Authority of Ontario. These websites provide an overview of the company, its products, its ratings, and its contact details.
Sonnet Auto Insurance
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What are the benefits of Sonnet Auto Insurance?

Why should you consider Sonnet Auto Insurance? Here are some of the perks:


  • Get a quote and purchase a policy online within minutes, no need to chat with an agent.
  • Access policy documents, make payments, and file claims online whenever and wherever.


  • Tailor your coverage to match your needs and budget.
  • Choose from various coverage types like liability, collision, comprehensive, accident benefits, and more.
  • Add optional coverages such as accident forgiveness, rental car, and roadside assistance.



  • See exactly how your price is calculated and what factors influence your premium.
  • Understand the impact of adjusting your coverage options with clear and simple explanations.
  • Sonnet uses straightforward language to clarify policies and coverages for easy understanding.


  • Rely on Sonnet Auto Insurance, backed by Economical Insurance, a major and reputable insurance company in Canada.
  • Benefit from Sonnet’s A- rating from A.M. Best, indicating strong financial stability and claims-paying ability.
  • Trust in high customer satisfaction and service quality with Sonnet’s 4.2 out of 5 rating from over 3,800 customer reviews on Trustpilot.

What are the drawbacks of Sonnet Auto Insurance?

Some of the drawbacks of Sonnet Auto Insurance are:


Sonnet is only available in five provinces: Ontario, Québec, New Brunswick, Nova Scotia, and P.E.I. Customers in other provinces and territories cannot buy Sonnet Auto Insurance online.

They can, however, buy car insurance from Economical Insurance through an agent or broker


Sonnet is designed for customers who prefer to do everything online, without having to talk to an agent or broker. However, some customers may prefer to have a personal relationship with their insurance provider and have someone to talk to in case of questions or issues.

Sonnet does offer customer service and claims support by phone, chat, or email, but some customers may find it less convenient or responsive than having a dedicated agent or broker


Sonnet offers a range of coverage options, but it may not offer some specific coverages that some customers may need or want. For example, Sonnet does not offer usage-based insurance, which is a type of insurance that tracks driving habits and rewards safe drivers with lower premiums.

Sonnet also does not offer rideshare insurance, which is a type of insurance that covers drivers who use their personal vehicles for commercial purposes, such as Uber or Lyft. Customers who need or want these types of coverages may have to look elsewhere

Sonnet Auto Insurance
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How do I get a quote from Sonnet Auto Insurance?

To get a quote from Sonnet Auto Insurance, you can follow these steps:

  • Visit the Sonnet Auto Insurance website and click on the “Get a Quote” button.
  • Enter your vehicle details, such as the make, model, year, and license plate number. You can also add additional vehicles if you have more than one.
  • Enter your personal information, such as your name, address, email, phone number, and driver’s license number. You can also add a group discount if you are eligible for one.
  • Add any other drivers in your household, if applicable. You will need to provide their names, dates of birth, and driver’s license numbers.
  • Review your quote and customize your coverage options, deductibles, and limits. You can choose from different types of coverage, such as liability, collision, comprehensive, accident benefits, and more. You can also add optional coverages, such as accident forgiveness, rental car, roadside assistance, and more.
  • Once you are satisfied with your quote, you can buy your policy securely online and get instant proof of insurance. You can also manage your policy, make changes, file claims, and renew your policy online through your Sonnet account.


How do I file a claim with Sonnet Insurance?

To file a claim with Sonnet Insurance, you have two options:

1. You can call their 24/7 hotline number at 1-844-766-6384 and speak to one of their claims professionals. They will guide you through the process and answer any questions you may have. They will also help you arrange for repairs, towing, or rental car if needed.

2. You can also file a claim online through their website at Sonnet Insurance. You will need to log in to your account and select the policy you want to make a claim on. Then, you will need to provide some details about the incident, such as the date, time, location, and cause.

You will also need to upload any photos or documents that support your claim. Once you submit your claim, you will receive a confirmation email and a claim number. You can track the status of your claim online or by calling the hotline number.


Conclusion: Is Sonnet Auto Insurance Legit

Sonnet Auto Insurance is a legit and worth it option for customers who are looking for a convenient, customized, and competitive car insurance solution.

Additionally, Sonnet Insurance offers online quotes, policies, and management, as well as a variety of coverage options, discounts, and benefits.

Sonnet Auto Insurance is also backed by Economical Insurance, one of the largest and most trusted insurance companies in Canada.

However, Sonnet Insurance is not available in all provinces and territories, and it may not suit customers who prefer to have a personal relationship with their insurance provider or who need some specific coverages that Sonnet does not offer.

Therefore, customers should compare Sonnet Insurance with other car insurance companies and options before making a final decision.



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