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Your roadmap to car insurance that's right for you

Car Insurance in Ontario

On top of being a legal requirement, getting the right car insurance protects you and your car in case of any emergencies. So, with car insurance through Johnson, we’ll always be by your side—from your work commute on the 401 to your drive up to the cottage in Muskoka.

It all starts with you

Where you live helps determine the insurance you need.

These are the standard car insurance coverages required by law in Ontario:

  • Liability

    We’ll protect you if you’re involved in an accident where you’re deemed liable. This includes coverage for damages made to

    another person or vehicle.

  • Uninsured Automobile

    We’ll give you coverage for injury or death caused by an unidentified or uninsured driver.

  • Accident Benefits

    You’ll receive benefits if you’re injured in an accident, no matter who caused it. This includes coverage for income replacement, medical

    expenses, benefits for non-earners, and more.

  • Direct Compensation - Property Damage

    This provides coverage for damage to your vehicle if another person was fully or partly at fault for the accident. Even though someone else

    causes the damage, you collect directly from your insurer.

Insurance that goes the extra kilometre

Choose physical damage coverage.

Comprehensive Coverage

This covers against fire, theft, vandalism, falling objects, windshield damage and other types of damage, not related to a collision.

Collision Coverage

This pays for damage caused by collision with another vehicle or object, or if your car rolls over.

All Perils Coverage

This covers your vehicle by combining Comprehensive and Collision coverages—and best yet, you’ll only pay one deductible.

Go the distance with these add-ons

Loss of Use

If your vehicle is getting repaired due to damage covered under your policy, we’ll get you a replacement or reimburse you for reasonable transportation costs.

Rental Vehicle

This covers damage to vehicles you drive, but don’t own—like a rental car. In some cases, you’ll also get access to other standard coverages.

Depreciation Waiver

A new car's value depreciates quickly. This cover adds value back to your vehicle in the event of a claim*.

Roadside Assistance

Popped tire? Locked out? Need a tow? Give us a call and we’ll get you help.

Enjoy more without paying more

Get these benefits with your car insurance, regardless of the coverages you choose.

24/7 Claims

Whenever you need us, we’ll be here to help. All day, every day.

First Accident Forgiveness

Available to eligible drivers because there’s a first time for everything, even accidents. With first accident forgiveness, your driving record at Johnson won’t change as a result.

What affects your rates in Ontario

Here's the insider knowledge on what we look for when determining your premiums.

Your vehicle

We look at your car’s make, model, cost of parts, and rate of injury to see how likely it is to be involved in an accident or stolen.

Where you live

With more people and vehicles on the road, living in a larger urban area or city could increase the likelihood of an accident or theft. As a result, insurance premiums are higher as well. What’s more, the cost of individual claims tend to be above average in urban areas. As claims costs rise, so do premiums.

How much you drive

Do you commute or drive to different locations for work? Or just now and then for convenience? How often you’re behind the wheel could affect your rates.


Your experience on the road and any previous driving accidents or convictions could affect your rates.

Adding a G2 driver

Adding a driver to your policy who doesn’t have a full licence might affect your rates. Your insurance premium will not increase for a G1 license, as this is only a learner’s permit. Once graduated to a G2, you’ll need to contact us and we’ll provide you with a quote to add this additional coverage to your plan.

Optional coverage

Any additional coverages you select will affect your rates. We’re happy to work with you to find the coverages that suit you best.

Your deductibles

The higher the deductibles you choose, the lower your insurance rates are. However, higher deductibles mean you pay more upfront if an accident happens, so it’s important to find the balance that’s right for you.

The changing world of insurance

Beyond your circumstances, there are external factors that affect insurance rates for all Canadians; like the rising number of claims. In general, claims are becoming more frequent and more expensive due to:

  • The rise of extreme weather events and weather-related accidents
  • Lower interest rates making cars more affordable—more cars on the road can lead to more collisions
  • Increased instances of distracted driving, which can also cause collisions
  • Vehicle technology advances increasing the cost of repair and part replacement

Learn more about what affects your car insurance rates on The BlogHouse.

Ready to get a quote on car insurance in Ontario?

We’ll make it easy. Get your online car insurance quote in just a few minutes.


Have questions? We’re here to answer them

Am I covered when I drive someone else’s car?

Before getting behind someone else’s wheel, you need to know that your insurance does not necessarily follow you as a driver.

When driving someone else’s car, you would be covered under their insurance policy while driving their vehicle, as long as you:

  • Have a valid Canadian driver’s licence. Not from Canada? Travellers from outside Canada can check with the regulatory body of the province they will be driving in.
  • Are using the vehicle with the owner’s permission.
  • Haven’t committed a crime under Canada’s Criminal Code while operating your car.
  • Don’t use the vehicle for one of the uses not allowed in the vehicle owner’s policy (for example, no racing)
  • Are not specifically excluded from driving their vehicle.

If you have an accident while driving someone else’s car, you will need to present proof of insurance. You should make sure that you have this before borrowing the vehicle.

If the car's owner doesn't have insurance, there may still be limited coverage under your own policy to protect you, however, not all of your usual coverages are provided. Also, keep in mind that your coverage won’t apply when driving a car owned by someone else in your household.

What does Roadside Assistance provide me?

Roadside Assistance is a comprehensive roadside and travel assistance service that brings peace of mind to you and every driver of your private passenger vehicle. It includes:

  • Emergency Roadside Service
  • Emergency Locked-Out Service
  • Emergency Winch Towing Service
  • Emergency Personal Transportation
  • Preferred Travel Assistance
  • Pre-Travel Advice
  • Trip Planning Advice
  • Emergency Reference Assistance
  • Emergency Message Forward

You can view complete details on Roadside Assistance in the service contract included with your policy documents.

If you are interested in adding Roadside Assistance, please contact us to discuss and reference your policy number for quicker service.

If you already have Roadside Assistance and are in need of assistance now, please call 1.800.268.0268.

What are Accident Benefits?

Accident Benefits provides compensation if you, your passengers, or pedestrians are hurt or killed in a car accident. Who is at fault doesn't make a difference to the coverage.

Accident Benefits are compulsory in all provinces except Newfoundland and Labrador.

What's covered?
While details vary among provinces, Accident Benefits covers:

  • Medical and rehabilitation services
  • Funeral expenses
  • Loss of income from disability
  • Death benefits

In Ontario, Accident Benefits also provides:

  • Caregiver benefits
  • Non-earner benefits
  • Other expenses, like education costs, housekeeping and maintenance

In Ontario you can purchase additional Accident Benefits .

Whose policy applies if you are a passenger?
In Ontario, if you have automobile insurance, you would claim these benefits from your own insurer, whether you were injured in your own vehicle or someone else's. If you don't have insurance, you would claim from the policy for the vehicle you were riding in.

How does the type of car I drive affect the cost of my auto insurance?

The type of car you drive usually only affect the parts of your insurance that cover damage to your vehicle:

  • Collision
  • Comprehensive
  • Direct compensation

The cost for these coverage can vary because:

  • Some cars cost more to repair than others
  • Some cars hold up better in a collision than others (so need less repair work).

In Ontario the type of vehicle you drive impacts Accident Benefits.

Need more information about COVID-19 and your insurance?

We want you to know that we’re still here to support you!

Read more about our COVID-19 relief efforts and get answers to your most common questions through our COVID-19 page.

On The BlogHouse

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Johnson Insurance is a trade name of Johnson Inc. (“JI”), a licensed insurance intermediary, and operates as Johnson Insurance Services in British Columbia and as Johnson Inc. in Manitoba. Outside of Quebec, home and car policies underwritten, and claims handled by Unifund Assurance Company (“UAC”). Described offers are applicable only to policies underwritten by UAC. Car insurance not available in BC, SK or MB. Home and car insurance not available in NU. JI and UAC share common ownership. Eligibility requirements, limitations, exclusions or additional costs may apply, and/or may vary by province or territory.

Visit Johnson Insurance - Quebec for plans available in QC.

*Waiver of Depreciation is only applicable to select vehicles based on qualifying risks.

**Bundled savings applied to home insurance policies where both home and auto policies are underwritten by Unifund.