Co-operators vs CAA Insurance Auto Insurance in ON (2026)
Satisfaction leader vs low-mileage leader: Co-operators tops bundling savings ($71/mo in PolicyMe’s analysis) and claims service; CAA MyPace can cut premiums up to 50% for drivers under ~9,000 km/year.
Key discounts
- ✓Multi-line bundle: up to 15–20% (home + auto)
- ✓Switch-and-save promotions (CUMIS up to 55% marketing)
- ✓Claims-free & loyalty discounts
Key discounts
- ✓MyPace pay-per-km: up to 50% for <9,000 km/yr
- ✓CAA membership bundle (insurance + roadside)
- ✓Winter tire & multi-vehicle discounts
Verdict
Bundle home+auto and want top service → Co-operators. Drive little and want pay-per-km → CAA MyPace.
Co-operators — Home + auto bundling with the highest measured savings
CAA Insurance — Low mileage (<9,000 km/yr) pay-per-kilometre
Co-operators
Pros
- +#1 customer satisfaction & claims experience (barhoot 2026)
- +Highest bundling savings in PolicyMe’s 2026 Ontario analysis
- +Co-op profits reinvested in communities
Consider
- −Best rates usually need home + auto bundling
- −Fewer offices in Quebec; ON offices concentrated in major cities
CAA Insurance
Pros
- +Up to 50% savings for low-mileage drivers
- +Transparent pay-per-km model (base + 1,000km blocks)
- +Roadside assistance bundled with insurance
Consider
- −Not suitable for high-mileage drivers
- −Requires mileage tracking (app / OBD)
More ON comparisons
Price ranges are rate-table estimates based on public industry data and regulatory approval trends; final premiums are subject to carrier underwriting.