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ON Auto Insurance/Co-operators vs CAA Insurance

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.

Co-operators
Brand page →
Satisfaction leader with the best bundling savings
$2,540–$2,540/yr
≈ $211.67–$211.67/mo
Age 25$2,540–$2,540
Age 35$2,120–$2,120
Age 45$2,120–$2,120
Age 55$1,900–$1,900
Key discounts
  • ✓Multi-line bundle: up to 15–20% (home + auto)
  • ✓Switch-and-save promotions (CUMIS up to 55% marketing)
  • ✓Claims-free & loyalty discounts
CAA Insurance
Brand page →
Pay-per-km MyPace for low-mileage drivers
$2,440–$2,440/yr
≈ $203.33–$203.33/mo
Age 25$2,440–$2,440
Age 35$2,020–$2,020
Age 45$2,020–$2,020
Age 55$1,820–$1,820
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
Get your personalized estimate →
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
Economical / Sonnet vs Belairdirect

Price ranges are rate-table estimates based on public industry data and regulatory approval trends; final premiums are subject to carrier underwriting.