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.
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.
You
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.
Have questions? We’re here to answer them
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.
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.
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.
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.
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.
