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Save on auto 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.
Save on auto 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.
Battery St. John's Newfoundland Insurance
Battery St. John's Newfoundland Insurance

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.

Downtown St. John's Newfoundland Insurance
Downtown St. John's Newfoundland Insurance
A few facts about auto 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
father son suv insurance

Facts and myths about St. John’s.


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.


St. John’s isn’t bicycle friendly.

Actually, St. John’s adopted a new cycling plan in 2009 and has been building a safe and convenient cycling network.

St. John’s streets are challenging to drive on in the winter.

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.

There isn’t a recycling program in St. John’s.

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.
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:
Insurance Brokers
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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
Newfoundland Insurance Bedtime
Newfoundland Nova Scotia Insurance

Combine your home and auto 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
Newfoundland Nova Scotia Insurance

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
Munn Insurance Group Insurance for First Responders
Munn Insurance Alumni Group Coverage
Munn Insurance Group Insurance for Healthcare Professionals
Munn Insurance Group Insurance for Educators
Munn Insurance Group Insurance for Paramedics
Munn Insurance Group Insurance for CAA Members
Mom window of car CAA Members can SAVE up to 20% on Auto and Home Insurance
CAA Members Save up to 20% at Munn Insurance
CAA Members Save up to 20% at Munn Insurance
  • 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
Munn Insurance MyRide Leisure Classic Car
ATV Munn Insurance MyRide Leisure
RV Motorhome Munn Insurance MyRide Leisure
Boat Watercraft Munn Insurance MyRide Leisure
Snowmobile Munn Insurance MyRide Leisure
Motorcycle Munn Insurance MyRide Leisure
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 Newfoundland NL Courthouse
St. John's Newfoundland NL Courthouse
St. John's car insurance – your questions answered.
Car Seat Coverage
  • In Newfoundland and Labrador, who determines auto insurance rates?

    In Newfoundland and Labrador, individual insurers set auto insurance rates, which are then regulated and approved by the Newfoundland and Labrador Board of Commissioners of Public Utilities. Among the top factors that go into determining your rate are your driving record including tickets or at-fault accidents, the value of the car you drive as well as the make and model, and your driving habits including the length of your daily commute.

  • What are the factors used to determine auto insurance rates in Newfoundland and Labrador?

    Auto insurance rates in Newfoundland and Labrador are determined by a variety of factors:

    • Your driving record
    • The type and age of your car
    • Your insurance claims record
    • Your annual mileage and territory of use
    • How you use your car (personal or business)
    • Whether or not any other drivers in the household use your car

    The 2004 auto insurance reform prevents auto insurance companies from denying coverage or increasing rates solely on the basis of any of these factors:

    • Age and gender
    • Age of the vehicle
    • Accidents in which you were not at fault
    • Lapses in insurance except when tied to a license suspension for a violation of traffic laws
    • Previously being refused insurance by another company
    • Being insured with Facility Association
  • How do auto insurance rates in Newfoundland and Labrador compare to other provinces?

    Newfoundland and Labrador auto insurance premiums fall in the lower half of the national rate spectrum.

    • Ontario $1445
    • British Columbia $1680
    • Alberta $1251
    • Manitoba $1080
    • North West Territories $978
    • Nunavut $963
    • Nova Scotia $847
    • Saskatchewan $936
    • New Brunswick $819
    • Prince Edward Island $796
    • Quebec $661

    Source: Insurance Bureau of Canada, 2017 and 2016 for Quebec

  • Newfoundland and Labrador’s auto insurance rates are low. Why?

    Auto insurance rates in Newfoundland and Labrador are on the lower side of the spectrum thanks, in large part, to the reforms enacted by the government in 2004. These auto insurance reforms helped reduce rates across the province. But according to the Insurance Bureau of Canada, additional reforms are necessary to maintain rate stability. Problems that allow for large pain and suffering awards for relatively minor injuries continue to exist in the province’s auto insurance system.

  • What can I do to find cheap auto insurance in St. John's?

    There are many ways to get cheap auto insurance in St. John’s:

    • Work with an independent broker who can help you find the best policy
    • Always pay your premiums on time
    • Choose a vehicle with less susceptibility to theft
    • Choose a vehicle with more safety and security features
    • Maintain a good driving history
    • Obey the rules of the road and avoid speeding tickets
    • Understand and choose the right type of insurance coverage
    • Shop around for the best policy
  • Is auto insurance mandatory in Newfoundland and Labrador?

    Yes. The law requires motorists to carry insurance on their vehicle.

  • In Newfoundland and Labrador, what are the penalties for driving without auto insurance in St. John's?

    If you’re convicted of driving without insurance in Newfoundland and Labrador, you’ll have to pay a fine that ranges from $2,000 to $4,000 for your first offence. The fine increases to a range of $3,000 to $5,000 for second and subsequent offences. And there are other penalties that may accompany your fine. If you’re charged for driving without insurance in Newfoundland and Labrador, you may also have your driver’s license suspended and your vehicle impounded for 90 days.

  • What insurance system does Newfoundland and Labrador adhere to?

    Newfoundland and Labrador operates under the tort system. This lets you sue an at-fault driver for your pain and suffering, wage losses, and other damages related to an accident.

  • How is fault determined by insurance companies in Newfoundland and Labrador?

    In Newfoundland, the adjusters for the insurance companies involved in the claim will determine who is at fault. Each insurance company uses its own guidelines to come up with a fault determination.

    Newfoundland is unusual in Canada in that it has no type of no-fault benefits. The insurance company for the at-fault driver is responsible for paying out on damages to the other driver’s vehicle as well as for injuries. Accident benefits are not a mandatory coverage in Newfoundland but are available to drivers who choose to add them to their insurance policy.

    The handling of claims is governed by insurance regulations; the 2004 reforms helped to reduce the cost of lawsuits, but drivers can still be sued for pain and suffering.

As one of Atlantic Canada’s largest independent brokers, we work for you – not the insurance company. So we always have your best interests at heart. That’s why we will shop around to find you the best insurance at the best price.
Our Latest Advice

10 Things to Know About NL Auto Insurance Tax Elimination.

Auto Insurance Tax Elimination

The Provincial Government recently eliminated the remaining 13 per cent Retail Sales Tax (RST) on automobile insurance. Here are 10 things you need to know about the recent decision by the Government of NL to eliminate RST on automobile insurance in this province:

  1. The elimination of the tax pertains to auto insurance including personal vehicles such as cars, motorcycles, ATVs and other recreation vehicles
  2. The elimination of the tax also applies to commercial vehicles, such as taxis, school buses, trucks (fire, police) and tractor trailers
  3. The Government of NL have determined that the taxes charged on personal property and other commercial policies (excluding commercial auto) will continue
  4. Any customer that renewed their auto policy on or after April 15, 2019 up to the date that the change became law will receive a rebate for the taxes paid
  5. The RST refund may be processed as a direct payment to the client, a reduction in monthly installments, or a credit against an accounts receivable
  6. The insurance company (Aviva, Intact, Travelers, etc.) that collected the tax is responsible to ensure customers receive the appropriate RST refund
  7. The insurance companies are in the process of calculating the amount of rebates for each customer and have until the end of September 2019 to process those rebates
  8. For policies in force before April 15, 2019, the NL Government have determined that there will be no refund of the tax
  9. The Government of NL have determined that refunds of tax will NOT be provided to taxpayers who cancel insurance policies that were acquired before April 15, 2019
  10. Munn insurance is now providing personal auto and commercial auto policies with no taxes calculated on the premiums – effective immediately all our new auto policies are tax free

If you would like more information on the elimination of tax on auto insurance, or if you have any questions on your home or auto insurance, please contact Munn Insurance at 855-726-8627.