Save on car insurance in St. John’s.
We’re one of St. John’s largest independent brokers. We specialize in auto insurance. With a simple online quote or a quick call, you will get quotes from up to eight insurance companies. And with savings of up to 30%, you’ll be on the road with St. John’s best auto protection and benefits. That’s a promise.
St. John’s is a unique city with its own ebb and flow.
St. John’s is a unique city with its own ebb and flow. People and houses around every corner will catch your eye and ear. St. John’s individuality doesn’t stop there. With no grid plan, and with a rumour that its roads are horse paths that were originally paved over, St. John’s offers an exciting adventure to even the most experienced driver. With one-way streets that suddenly appear, intersections with sharp angles and low signage, you might need a little help from a GPS. Your insurance can be as unique as your route. At Munn Insurance you can find the most competitive auto insurance in St. John’s and save while you’re doing it.
Driving in St. John’s – Tips to keep you on the road.
WATCH OUT FOR MOOSE.
Although St. John’s is considered an urban area, the Outer Ring Road sees its share of moose during any time of the year. It should also be noted that moose don’t always stick to the outliers but have been known to wander into the city itself. Keep on the lookout, especially at night.
PUT THAT CELL PHONE DOWN.
Fines for using a cell phone when driving are high in the province of Newfoundland, and the Royal Newfoundland Constabulary are extremely vigilant in the City of St. John’s. The current penalty is 4 demerit points with fines ranging from $350 to $1000.
BE WEATHER PREPARED.
Not just St. John’s, but Newfoundland as a whole is subjected to fast changing weather. Sunny in the morning, blizzard by lunch. With St. John’s twisty roads and steep hills, caution is always advised. It’s not unheard of to go sliding back down that hill.
DON’T DRINK AND DRIVE.
Newfoundland has severe impaired driving regulations to help keep all residents safe. As of 2017, any driver whose licence was suspended after an impaired driving conviction will be required to enter a mandatory ignition interlock program as a condition of reinstatement. As well, anyone 22 years or younger is required to maintain a zero-blood alcohol content while driving. Not a risk you want to take.
A few facts about car insurance in St. John’s.
- The average age of auto insurance policyholder in St. John’s is 32
- The average age of drivers in St. John’s is 45
- The number of accident claims in St. John’s in 2018 was 5000
- The top automotive brands we insure in St. John’s are Honda, Toyota, Hyundai, Chevrolet, Ford, Jeep, Chrysler, Mazda
- 67% of people in St. John’s drive Cars
- 33% of people in St. John’s drive Trucks
Facts and myths about St. John’s.
FACTS
Cabot Tower on Signal Hill was built to commemorate Queen Victoria’s Diamond Jubilee and the 400th anniversary of John Cabot’s Voyage of Discovery.
St. John’s is the oldest city in North America, with Water Street being the oldest street in North America.
The oldest sporting event in North America is the St. John’s Regatta held on the first Wednesday every August.
The first transatlantic wireless message was received on December 12, 1901 by Guglielmo Marconi from Poldhu, Cornwall which is 3200 kilometres away.
MYTHS
Actually, St. John’s adopted a new cycling plan in 2009 and has been building a safe and convenient cycling network.
This is very untrue. St. John’s and surrounding towns all have dedicated snow clearing services to keep all roads safe for all drivers in all conditions.
St. John’s has a very extensive recycling program with curbside recycling, metal and electronic recycling, backyard composting, household hazardous waste drop off, yard waste collection and Christmas tree recycling.
We do the shopping. You get the savings.
Newfoundlanders love choice. And they love saving too! At Munn Insurance, we deliver on both. As an independent insurance broker, we shop our extensive network of insurance partners to provide our Newfoundland customers with the best coverage at the best rate. Some of the insurance companies we search for our customers include:
How Munn Insurance saves you money.
We work for you – that’s what an insurance broker does. We shop the market on your behalf, so Munn insurance can offer you the most access to the best discounts from our insurance partners.
- Bundling (Auto + Home Discount)
- Multiple Vehicle Discounts
- Experienced Drivers Discount
- Safe Drivers Discount
- Claims-Free Discount
- Loyalty Discount
- And Many More
Combine your home and car policies and save.
With Munn Insurance, home and auto policies are better together. It means extra savings and additional coverage. So combine them both and receive a discount on both. That’s like a double discount!
Combining also gives you the extra convenience of aligned renewal rates and less paperwork.
You can combine your auto policy with any Munn Insurance home policy for the following dwelling types:
- Private Homes
- Condos
- Tenants
- Cabins/Cottages
- Rented Dwellings
Special discounts and savings with a Munn Insurance group policy.
We recognize the value groups provide to Newfoundland communities. First Responders, Health Care Professionals, Alumni Associations, Educators and Instructors all play a vital role in helping others across the Island. They give so much, and we’re happy to give back. Munn Insurance Preferred Groups in Newfoundland are able to take advantage of special discounts and many extra-valuable benefits.
- Special Group Discounts
- Mortgage & Real Estate Assistance
- 0% Insurance Financing
- Home Repair Assistance
- Legal Assistance
- Health Assistance
- CAA Members can SAVE up to 20% on Auto and Home Insurance
- Access to multiple insurance markets; knowing you get the best coverage at the best rate
- Confidence and security of being a member of a preferred group
- Local, fast and efficient 24/7 Claims Service
- Legal Assistance
- Health Assistance
Get Newfoundland’s best leisure vehicle protection.
Newfoundlanders love their leisure time and their leisure vehicles. MyRide Leisure Insurance from Munn Insurance is the most competitive, comprehensive leisure vehicle insurance available in Newfoundland. Whether it’s your ATV, motorhome, motorcycle – or any of your leisure vehicles – A Munn policy offers more protection and value than any other program you’ll find.
- Boat and Watercraft
- ATV
- Snowmobile
- Classic Cars and Auto
- Motorhome, RV and Trailer
- Motorcycle
Car insurance laws in St. John’s.
St. John’s drivers must be in possession of legally determined minimum insurance coverage to drive on our roads. These minimum limits have been enacted to ensure drivers are financially responsible if an at-fault accident occurs.
Current limits for auto insurance in St. John’s are:
- $200,000 in liability coverage per accident
- Uninsured and unidentified motorist coverage
St. John’s drivers are not required to carry accident benefits coverage, although most do choose to buy this coverage, which includes coverage for medical payments, disability coverage, and death benefits coverage. This type of insurance is mandatory in other provinces. Many drivers in Newfoundland also opt to increase their liability coverage to limit risk and financial exposure.
There are also other optional coverages that can be purchased. These include comprehensive and collision coverage to protect in the event of an at-fault accident or non-accident scenario such as theft.
St. John’s car insurance – your questions answered.
Our Latest Advice
It’s Not Just Price: What Really Matters When Choosing Home & Auto Insurance
Let’s be honest — price is usually the first thing people look at when shopping for home or auto insurance. And that’s completely fair. No one wants to pay more than they have to. But when it comes to something as important as protecting your home, your car, and your financial future, focusing on price alone can be a mistake.
The truth is, not all insurance policies are created equal. Two quotes might look similar at first glance, but they can be worlds apart in terms of what they actually offer. So how can you tell what you’re really getting — and whether you’re making the right choice?
Cheaper isn’t always better. Think about it: would you always take the lowest bidder if you were building a house and settle for shoddy work? Would you opt for the cheapest financial advice and risk your life savings or pick the cheapest mattress and sacrifice a good night’s sleep? Probably not — because you know that quality, reliability, and trust matter just as much as cost.
Your home is likely your largest asset, and your car is a major investment. Choosing insurance just because it’s the cheapest can leave you exposed to gaps in coverage, unexpected out-of-pocket costs, or poor service when you need help most.
At Munn Insurance, as a trusted broker, we deliver the best price with the best coverage, world class service and all the benefits you deserve. Most of the time we deliver significant savings too but sometimes the best coverage with all the features and benefits you need can be a little more. Often a direct writer may look cheaper at first, but that can come with lower levels of service and coverage. Brokers can often provide those same low prices if that’s what you want, but will work with you to make sure you get everything you need — at the best possible price.
Here are a few key things to consider when comparing insurance options — and how Munn Insurance helps you get it right.
Service You Can Count On
Imagine this: you’ve just been in a fender bender or discovered a leak in your basement. You need help — fast. So, you call your insurance provider. But instead of speaking to someone who knows your situation, you’re put on hold. Then transferred. Then asked to repeat your story again and again. You finally reach someone out of province and they can’t provide that local insight to help you through this challenging and stressful time.
Good service isn’t just a nice-to-have; it’s critical when something goes wrong. When comparing insurance providers, ask yourself:
- How easy is it to reach someone? Can you talk to a real person quickly? Or are you stuck in automated menus and long hold times? Being able to get answers promptly can make all the difference in a claim or urgent situation.
- Are they local and accessible? Do they understand the specific challenges of your region — like weather risks or local building codes? Local agents often provide faster, more personalized service and a better understanding of your needs.
Am I Fully Protected?
A cheaper quote might look good now, but if it leaves you underinsured or exposed, it could end up costing you far more in the long run. Some questions you should ask:
- Has your home been valued correctly? Sometimes, insurers undervalue homes to offer a lower premium. But if that happens, you might not get full reimbursement after a loss or have a fight on your hands to get what you deserve. Make sure your valuation reflects what it truly costs to repair or replace your property.
- Does my auto policy cover loss of use? First accident forgiveness? These are valuable options that you may want and they could save you a lot of money and frustration later. Sometimes these are not included in an effort to offer a lower premium.
- What are the exclusions? Every policy has exclusions — things it doesn’t cover. But you need to know if those exclusions could impact you. For example, are certain water damages excluded? Knowing this upfront can eliminate surprises later.
We help you understand the fine print and the details that matter. Munn Insurance takes the time to explain the differences in coverage and help you select a policy that truly protects your home and car — not just one that looks good on paper.
More Choice. More Options.
When you work with a direct insurance company, you’re often limited to a single product — a one-size-fits-all approach that may not reflect your specific needs. But insurance shouldn’t be cookie-cutter.
Working with a broker like Munn Insurance means you have access to many insurance markets — and that opens the door to more choice and more coverage options.
Whether you’re looking for enhanced protection, bundling discounts, coverage for a second home or rental property, or options tailored to your profession or lifestyle, a broker can explore multiple offers and help you compare. They’ll walk you through the differences and guide you toward the solution that fits best.
At Munn, we leverage our relationships with a wide range of insurance providers to find you the best coverage for your unique situation. Our expertise ensures you’re not stuck with a cookie-cutter policy, but instead have flexible options tailored to your needs and budget.
Local Matters
It’s easy to overlook where your insurance company is based — until you really need them. Are you dealing with a national call center or a direct writer with no real presence in your province?
Working with a local broker means working with someone who understands the unique risks and realities of your region. They know the climate. They know the housing market. And they know how to help when things go sideways.
Munn Insurance is proud to be rooted right here in Atlantic Canada. We understand the weather, local building codes, and the nuances of our communities. That local knowledge means faster, more personalized service and claims handling — when it matters most.
Who’s Really on Your Side?
Here’s something many people don’t realize: when you buy insurance directly from a company, their agents work for them — not for you. But when you work with a broker, it’s different.
A broker represents you.
That means if there’s ever a disagreement over a claim, or if you’re unsure about your coverage, your broker can step in and advocate on your behalf. They’ll help clarify your options, push for fair treatment, and work toward a more favorable outcome.
At Munn Insurance, we’re your trusted advocate. Our commitment is to protect your interests, helping you navigate difficult claims and questions. We don’t just sell policies — we build relationships and stand with you when it counts.
Value Goes Beyond the Quote
Price is part of the equation — no question. But real value comes from knowing you’re properly protected, treated with care, and supported when it matters most.
So next time you’re comparing quotes, don’t just ask “How much?”
Make sure you ask: “What am I actually getting?”, “Will this cover me in the moments that count?” and “Do I have someone in my corner?”
Munn Insurance helps you see the full picture — combining competitive pricing with coverage, service, and support that delivers true peace of mind. Because the best insurance is the kind you can count on.
If you’re ready to get the right coverage for your home and auto — combining great value, competitive pricing, personalized coverage and protection as well as personalized service — Munn Insurance is here to help. Our local experts will work with you to find the best options that fit your needs and budget. Give us a call today at 1-855-726-8627 to speak with a friendly team member and get started.
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