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
These are the standard car insurance coverages required by law in Ontario:
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.
We’ll give you coverage for injury or death caused by an unidentified or uninsured driver.
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.
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.
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.
A new car's value depreciates quickly. This cover adds value back to your vehicle in the event of a claim*.
Popped tire? Locked out? Need a tow? Give us a call and we’ll get you help.
How to save
There are many ways to save on auto insurance in Ontario. No coupons needed.
Extra safety means an extra discount
Getting your vehicle winter-ready could help you save on insurance in Ontario.
Rewarding safe drivers
You could get a discount if you haven't had any traffic violations within the last 3 years.
Get rewarded for being a Johnson customer
We offer special loyalty discounts if you’ve been with us for 3 years or more.
Group members can save even more
If you belong to an eligible group, it could offer group rates. These groups may include employees of the same company, members of a union, or members of other profit and non-profit associations.
Combine and save
Insure both your car and home through Johnson for additional discounts.**
The more you insure, the more you save
Insure more than one vehicle for extra savings.
Skip the commute and save
No longer having to drive to work means you could be eligible for a discount.
Have you been insured continuously?
If you’re new to Johnson, you could get a discount for having been continuously insured with the same insurer for the past 3 years or more.
We’ll find ways to lower your premium
If your child is studying away from home without regular access to your vehicle, list them as an occasional driver on your policy. They’ll still be insured, but you could save on your rates since they drive less.
Enjoy more without paying more
Get these benefits with your car insurance, regardless of the coverages you choose.
Whenever you need us, we'll be here to help. All day, every day.
First Accident Forgiveness
There’s a first time for everything, even accidents. So, when your first accident happens, your premium won’t increase as a result.
You’ll earn 1 AIR MILES® reward mile for every $20 in premium paid, including taxes.±
What affects your rates in Ontario
Here's the insider knowledge on what we look for when determining your premiums.
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.
Any additional coverages you select will affect your rates. We’re happy to work with you to find the coverages that suit you best.
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.
Wondering if you have Roadside Assistance? Customers can review their coverages, 24 hours a day, 7 days a week, via our online self-service tool—click here to get started. Access "View Policy Details" and look for Roadside Assistance.
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.
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:
- 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.
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Johnson Insurance is a tradename of Johnson Inc. (“Johnson”), a licensed insurance intermediary, and operates as Johnson Insurance Services in BC and Johnson Inc. in MB. Car insurance not available in BC, SK or MB. Home and car insurance not available in NU. Home and car policies primarily underwritten, and claims handled, by Royal & Sun Alliance Insurance Company of Canada (“RSA”) in Quebec and primarily underwritten, and claims handled, by Unifund Assurance Company (“Unifund”) in the rest of Canada. Described coverage and benefits applicable only to policies underwritten by Unifund or RSA. Johnson, RSA and Unifund share common ownership. Eligibility requirements, limitations, exclusions or additional costs may apply, and/or may vary by province or territory.
±AIR MILES® Reward Miles awarded only on regular home and auto insurance policies underwritten by Unifund or RSA (in Quebec). At the time the premium is paid, one (1) Mile is awarded for each $20 in premium (including taxes). Miles are not available in SK or MB. In Quebec, up to a maximum of 15 AIR MILES Reward Miles per month, per policy. ®TMTrademarks of AM Royalties Limited Partnership used under license by LoyaltyOne, Co. and Johnson (for Unifund), and in Quebec Roins Financial Services Limited. READ MORE
*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.