CAA Car Insurance Review (2026)
CAA Insurance: The basics
- Founded: 1974 (52 years in business)
- Parent company: Canadian Automobile Association
- Underwriting companies: CAA Insurance Company
- Website: https://www.caainsurancecompany.ca/
- Phone number: Use your local broker’s contact information
- Availability: British Columbia, Manitoba, New Brunswick, Nova Scotia, Ontario, Prince Edward Island, Quebec, Saskatchewan
- Car insurance products: Auto, antique and classic car, pay-as-you-go
What does CAA car insurance cover?
All CAA car insurance policies include coverage required by provincial law that pays for:
- Your legal costs, other people’s medical bills, and property repairs if you’re responsible for a motor vehicle accident
- Medical and related expenses, including income replacement, for you and your family if you’re injured in a car accident
- Medical bills and vehicle repairs after certain accidents involving an uninsured, underinsured, or unidentified (hit-and-run) driver
How CAA’s standard accident benefits will change in 2026
On July 1, 2026, an update to Ontario law will go into effect, altering the standard accident benefits included in CAA’s auto insurance policies. The table below summarizes the changes you can expect and the options that will be available after July 1.
Optional CAA car insurance coverages and endorsements
The coverage options above are included by law in every CAA car insurance policy in Ontario, but you can choose to add, remove, or modify the following coverage options:
* DCPD coverage is no longer required by law in Ontario, but you must waive the coverage in writing if you choose to remove it from your policy.
All optional coverages are subject to terms and conditions, and availability may vary by location. Check with a CAA broker in your area or work with a licensed insurance advisor to understand the pros and cons of each optional endorsement.
CAA car insurance discounts
CAA offers at least eight distinct discounts on auto insurance:
- Auto and home insurance bundling discount: If you also purchase home insurance through CAA, you’re eligible for discounts up to 10% off your car insurance premium, along with a similar discount on home insurance.
- CAA member discount: If you pay for a CAA membership, you could save up to 20% on auto insurance.
- CAA Head Start™ discount: Drivers under age 25 with a clean driving record can save 25% on premiums.
- Multi-vehicle discount: Customers who insure more than one vehicle with CAA will pay about 15% less than they would to insure each vehicle separately.
- Winter tire discount: If you install winter tires on your insured vehicle from November to April each year, you could earn a 5% discount.
- Theft prevention device discount: An approved anti-market theft device could help you reduce your premium.
- Retiree discount: CAA customers who are retired and meet eligibility requirements qualify for a discount on car insurance.
- Driver training discount: If you’ve completed an approved Canadian Driver Training Course and have a clean driving record with no accidents or tickets, you could earn a discount.
CAA membership costs range from $30–$154/year and include a wide range of service and discounts, including 24/7 roadside assistance and retail perks. For most members, the insurance savings from CAA’s 20% member discount will more than make up for the cost of the membership.
CAA’s usage-based insurance discount: CAA Connect®
CAA Connect is a usage-based insurance (UBI) program designed to offer discounts to safe drivers based on their actual driving behaviour. Unlike many competitors’ UBI programs, CAA Connect uses a plug-in device rather than smartphone data and cannot raise your car insurance premium.
- How it works: When you enrol in CAA Connect, you’ll receive a device in the mail that you must plug into your car’s OBD-II port within 48 hours. The device will record your driving data, which will be used to update your premium after one year.
- What it tracks: Speed, location, time and date, vehicle diagnostic information, annual mileage
- Activation discount: 5%
- Maximum discount: 15%
- Maximum potential penalty: 0%
CAA’s pay-as-you-go insurance: CAA MyPace®
CAA also offers a pay-as-you-go program for customers who drive less than 12,000 kms per year.
- How it works: When you enroll in MyPace, you’ll pay a base rate to protect your vehicle when it’s parked. From there, you’ll purchase driving coverage in 1,000-km increments, as tracked by a device plugged into your vehicle’s OBD-II port.
- Maximum discount: 70%
- Maximum kms per year: 11,999
How much does CAA car insurance cost?
On average, CAA customers in Ontario pay around $130/month for an all-perils policy with a single car and driver, or $260/month for a two-car, two-driver household. For policies with only mandatory coverage, rates may start as low as $80–$130/month.
Keep in mind that CAA’s rates vary based on a wide range of underwriting data, including:
- Location: CAA considers auto theft rates, traffic density, and severe weather threats in your area when setting the cost of coverage.
- Coverage limits: The amount of coverage and endorsements you choose will impact your final price.
- Age: Younger drivers pay more for car insurance due to a lack of experience.
- Gender: Women may pay higher rates for auto insurance from CAA, although the difference is minor.
- Vehicle: Your vehicle’s age, condition, theft risk, safety equipment, and statistical rate of auto claims will all impact your CAA auto insurance premium.
- Driving history: Past accidents, tickets, and claims can all raise the cost of car insurance. Unlike most insurers, CAA looks as far back as 10 years when evaluating driving records.
CAA car insurance cost: Family quotes
CAA car insurance quotes for a married couple who own a 2021 Ford F-150 XLT SuperCrew 4WD and a 2019 Honda Civic Sport averaged between $135/month for mandatory coverage and $279/month for high coverage.
Quotes for Brampton, Ontario brought up CAA’s average pricing significantly. Brampton is one of Canada’s leading auto theft hotspots, with over $43 million in theft claims in 2025 alone and a 565% increase in motor vehicle theft between 2017 and 2025 according to the Insurance Bureau of Canada. Because one of our sample vehicles—the Ford F-150—is a common theft target, quotes for this vehicle in Brampton are extremely high.
Other cities facing high auto theft rates and rising car insurance costs include Markham, Oakville, and Richmond Hill, all in the Greater Toronto Area.
CAA car insurance cost: Single-driver quotes
CAA car insurance quotes for a single 45-year-old male driver with a 2019 Honda Civic Sport averaged between $84/month for mandatory coverage and $147/month for high coverage.
CAA car insurance quotes for a single 45-year-old female driver with a 2019 Honda Civic Sport averaged between $83/month for mandatory coverage and $162/month for high coverage.
CAA car insurance cost: Quotes with a driving violation
CAA car insurance quotes for a married couple with a single minor speeding violation who own a 2021 Ford F-150 XLT SuperCrew 4WD and a 2019 Honda Civic Sport averaged between $138/month for mandatory coverage and $290/month for high coverage.
If you receive a minor driving violation while insured with CAA, you could see your rate go up by an average of 2–4% at your next policy renewal.
The CAA car insurance claims process
If you need to file a car insurance claim with CAA, here’s what the process looks like:
- File your claim: Whether you choose to fill out a claims form online or call an advisor, be prepared to describe the incident, list any damage to your vehicle or injuries to any party, and provide contact information for other drivers involved in the crash.
- Work with the claims team: CAA’s claims team will assign an adjuster to review your case, examine the evidence, and make a settlement offer.
- Choose a contractor: You can bring your car to a body shop that’s part of the CAA-Approved Auto Repair Services (CAARS) program or choose your own to complete any necessary repairs. If you work with an independent service provider, you may need to pay up front and receive reimbursement from CAA.
- Authorize repairs and receive your payout: You may receive a direct payment reimbursing you for the cost repairs (minus your deductible amount), or CAA may pay the contractor repairing your property directly.
You can submit a car insurance claim online through the online services portal or at claims.caainsurancecompany.com. You can also call 1-877-222-1717 at any time to file a claim.
If you file a car insurance claim with CAA, you can typically expect your premium to go up. You’re most likely to see a significant increase in costs if your claim was associated with an at-fault accident or a driving violation.
Is CAA good for claims?
To get a sense of how well CAA meets its clients’ needs in the claims process, we turned to Reddit to review discussions of the carrier’s claims experience. Although many users called out CAA’s highly-competitive rates, we found surprisingly few users sharing their experience with CAA auto insurance claims.
CAA car insurance vs. other providers
Here’s how CAA compares to two other major Canadians car insurance companies.
* Average monthly premium for an all perils policy for two drivers and two vehicles.
Is CAA car insurance right for you?
If you’re looking for the lowest-priced car insurance in Canada, CAA might be a good choice for you. It’s also a good option for young drivers, retirees, and anyone with a completely clean driving record for the past 10 years.
The downsides: It’s not available everywhere, not all drivers qualify for the lowest rates, and customer feedback on claims is limited and mixed, so you’ll need to work with a broker you trust.
FAQ: CAA car insurance
This article is for general information only and is not insurance or legal advice. Examples and any sample quotes or rate ranges are illustrative and do not constitute an offer or guarantee of coverage, price, or eligibility. Actual coverage, discounts, and premiums depend on your individual circumstances and the insurer provider; if there is any discrepancy, your policy and insurer documentation govern. For advice about your situation, speak with one of our licensed insurance professionals.