CAA car insurance quote + review for November 2024
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Discover the methodologyFrom coast to coast, CAA car insurance has been a trusted partner for Canadian drivers seeking reliable coverage. If you're new to car insurance or considering changing your current plan, this guide is for you.
Dive into our detailed CAA car insurance review, where we break down coverage options, rates, and the claims process, tailored to help you understand what sets CAA apart in the competitive insurance landscape.
You can also use our free tool to get personalized CAA car insurance quotes and compare them with other policies to make sure it's the best choice for you.
CAA Car Insurance: 5 Key Takeaways
- CAA car insurance is available in seven Canadian provinces.
- Offers a variety of coverage options; availability varies based on your location.
- Covers standard items like collision and comprehensive, liability.
- You can also get optional coverages like accident benefits and glass coverage.
- Offers EAIC, a digital version of the traditional insurance card.
Our 2024 review of CAA car insurance
CAA car insurance is offered by the Canadian Automobile Association (CAA), which is a collection of eight regional clubs across Canada. It offers a variety of insurance products, including auto insurance, home insurance, travel insurance, and life insurance.
CAA car insurance stands out for its comprehensive coverage options, competitive rates, and notable discounts for members, making it an attractive choice for a wide range of Canadian drivers.
With benefits like 24/7 roadside assistance, a variety of optional coverages, and the innovative CAA MyPace program for those who drive less, CAA tailors its services to meet diverse needs.
Whether you're a new driver looking for extensive protection or an experienced motorist seeking flexible payment plans and savings through bundling, CAA offers solutions that can be customized to fit your lifestyle.
If you think CAA is the right choice for you, click the button below and get free personalized CAA car insurance quotes from our partner.
Pros of CAA car insurance
- Competitive rates
- Discounts for CAA members
- 24/7 roadside assistance
- A variety of coverage options
- Flexible payment plans
- Great customer service over CAA car insurance phone number
Cons of CAA car insurance
- Limited Pay-as-you-go options
- Higher cost for extras
- Potential regional coverage differences
While CAA car insurance reviews from customers are typically favorable, making it a good option, it is important to explore other options before choosing a plan. You can use our free comparator below to compare car insurance quotes from leading Canadian providers right here.
Compare Canada's best car insurance plans
Good to know
Note that CAA car insurance coverage is available for drivers in Ontario, B.C., the Atlantic provinces, Alberta, Saskatchewan, and Quebec. However, make sure to get quotes specific to your location. For example, the CAA Car Insurance Ontario quote might not be the same as that of CAA Car Insurance Nova Scotia.
What does CAA car insurance cover?
CAA offers a variety of coverage options to fit your specific needs and budget. Here are the main types of coverage CAA offers:
Standard coverages:
- Collision: Covers damage to your vehicle caused by a collision with another vehicle or object.
- Comprehensive: Covers damage to your vehicle caused by events other than a collision, such as theft, vandalism, fire, hail, or flooding. Did you know that 1 car was stolen every 7 minutes in Canada as per a report in 2021?
- Liability: Covers your legal responsibility for bodily injury and property damage to others caused by an accident you are at fault for.
- Uninsured/Underinsured Motorist: Covers you if you are hit by a driver who does not have insurance or does not have enough insurance to cover your damages.
Optional coverages:
- Accident Benefits: Covers medical expenses and lost wages if you are injured in an accident.
- Loss of Use: This covers the cost of a rental car while your vehicle is being repaired after an accident.
- Personal Injury Protection (PIP): Similar to accident benefits. It also covers non-accident-related injuries.
- Glass Coverage: Covers the cost of repairing or replacing damaged glass, such as windshields and side windows.
- Loan/Lease Gap Coverage: This covers the difference between the amount your insurance pays and the amount you owe on your loan or lease if your vehicle is totaled.
Additional benefits:
- 24/7 Roadside Assistance: This is included with all CAA policies and provides services such as towing, flat tire changes, and battery boosts.
- CAA Member Discounts: Members can receive discounts on their premiums.
- Forgive & Forget: This program allows CAA members to protect their driving record from their first at-fault accident.
- CAA MyPace: This is a usage-based insurance program that allows you to pay for your insurance based on how much you drive.
What is CAA’s Electronic Proof of Automobile Insurance?
CAA's Electronic Proof of Automobile Insurance, also known as an Electronic Auto Insurance Card (EAIC), is a digital version of your traditional pink paper insurance card.
It allows you to access and display your car insurance information on your smartphone or other digital device, eliminating the need to carry the physical card with you.
How to Access Your EAIC:
- If you're a CAA member and have an existing CAA auto insurance policy, you can download your EAIC through the CAA Mobile App or by logging in to your account on the CAA website.
- You can also request a one-time email with your EAIC.
Legality of EAICs:
- All Canadian provinces and territories accept electronic proof of insurance. However, it's always a good idea to check with your local authorities for any specific requirements or updates.
- You can still carry your physical insurance card as a backup if preferred.
Good to know
CAA does not currently offer a standard Pay-As-You-Go or Pay-How-You-Drive car insurance program across all provinces. It has a program called "CAA MyPace" that operates on a usage-based model.
You can compare CAA's offerings with other providers right here. Simply use our free comparator below to compare coverage of the best car insurance plans in Canada and get free quotes tailored to your needs.
Compare Canada's best car insurance plans
How much is CAA car insurance?
Several factors can affect the cost of your CAA policy, such as:
Driver-related factors:
- Age: Younger drivers typically pay more due to higher risk assessments.
- Driving experience: More experience often leads to lower rates.
- Driving record: Accidents, tickets, and claims significantly increase costs.
- Credit history: Some insurers consider good credit a sign of responsibility and offer discounts.
- Marital status: Married drivers may get lower rates due to perceived stability.
Good to know
CAA is a great choice for young drivers. You can also take a quick look at our guide on Car Insurance for new drivers.
Vehicle-related factors:
- Make and model: Higher-performance cars, luxury vehicles, and those with higher theft rates cost more to insure.
- Year: Newer models generally have higher premiums than older ones.
- Vehicle modifications: Customizations can affect insurability and cost.
- Annual mileage: Higher mileage translates to more risk and higher premiums.
- Parking location: Cars parked on the street are at greater risk and cost more to insure.
Coverage-related factors:
- Coverage type: Higher levels of coverage (e.g., full coverage) cost more than basic liability.
- Deductible: Lower deductibles mean higher premiums, but you pay less out-of-pocket during claims.
- Optional coverages: Adding features like rental car reimbursement or roadside assistance increases the cost.
Location-related factors:
- Province: Insurance rates vary across provinces due to factors like accident rates and theft statistics.
- Postal code: Specific areas with higher accident rates or theft can lead to higher premiums.
Good to know
Check out our car insurance barometer to get an idea of how premiums vary across provinces.
To give you a rough idea, here is a sample quote based on average rates for CAA car insurance Ontario:
| Category | Details |
|---|---|
| Driver | A 30-year-old male with a clean driving record |
| Experience | 10 years of driving experience |
| Vehicle | 2020 Honda Civic sedan |
| Parking spot | Parked in a garage overnight |
| Coverage | Standard liability, collision and comprehensive coverage |
| Deductible | $500 deductible |
| Annual Mileage | 12,000 km |
| Estimated Premium | $1,500 |
Is CAA car insurance good?
If you're still wondering if CAA is the right choice for you, we recommend you compare it with other top providers of car insurance in Canada like RBC car insurance, Onlia car insurance, and more, to make the most informed decision. However, most CAA car insurance reviews Ontario region, BC, Quebec, and other provinces are generally positive due to customer satisfaction.
If you want to get more accurate and personalized quotes for CAA's car insurance, you can use our comparator. Just fill in some basic details and get car insurance quotes on the go.
Compare Canada's best car insurance plans
How to make a CAA car insurance claim?
There are a couple of ways to make CAA car insurance claims, depending on the urgency of the situation and your personal preference.
For Emergencies:
- Call CAA immediately: If you are involved in an accident or your car is disabled, call CAA's 24/7 emergency number at 1-877-222-1717. They will assist you with roadside assistance, towing, and other immediate needs.
- Report the accident to the police: If required by law or if there are injuries, file a police report as soon as possible.
For Non-Emergencies:
- Submit a claim online: You can easily submit a claim online through CAA's website. You'll need to provide details about the incident, your vehicle, and other parties involved.
- Call CAA car insurance customer service: You can also reach CAA's customer service team by phone at 1-877-222-3939 to report your claim. A representative will guide you through the process and answer any questions you have.
- Visit a CAA branch: If you prefer personal interaction, you can visit your nearest CAA branch and speak with a representative in person about your claim.
Save on CAA auto insurance by
- Bundling your CAA Home and Auto Insurance — save 10%.
- Use four designated winter tires — save 5%.
- Insuring more than one vehicle on your policy — save 15%.
- Utilizing CAA Connect® — save up to 15%.
- Becoming a CAA Member — save up to 20%.
How can you contact CAA car insurance?
You can use the CAA car insurance phone number: 1-877-222-3939. Here are some other ways to contact CAA for all auto and property insurance-related queries:
- Service: 1-877-222-1717
- Claims: 1-877-222-1717 (Both CAA car insurance contact numbers are toll-free)
- Email: [email protected]
Members can also use their CAA car insurance login details to access their policy information, file claims, and more.
How to call your local CAA car insurance customer service?
There are different CAA car insurance quote phone numbers based on your province. For example, if you're in Ontario, you can call the CAA car insurance phone number Ontario region at 1-833-699-9769.
You can find your nearest CAA car insurance office by navigating to the store locator option on the company website. Here are a few contact details of the most commonly searched offices.
| CAA Car Insurance Location | Phone | Toll-Free | Fax | |
|---|---|---|---|---|
| Quebec | (514) 861-1313 | 1-800-686-9243 | N/A | N/A |
| Newmarket | (905) 836-5171 | 1-866-597-5735 | (905) 836-8231 | [email protected] |
| Orillia | (705) 325-7211 | 1-866-597-6362 | (705) 325-1960 | [email protected] |
| Oshawa | (905) 723-5203 | 1-866-597-6364 | (905) 723-4570 | [email protected] |
| Barrie | (705) 726-1803 | 1-877-583-7888 | (705) 726-4193 | [email protected] |
How to cancel CAA car insurance?
To cancel CAA car insurance, you should directly contact your local CAA branch by phone or email, providing your policy details and cancellation request. Follow their specific instructions, which may include filling out a cancellation form. Ensure you receive confirmation of the cancellation to avoid any issues.
Meanwhile, if you're looking to cancel your existing insurance policy to switch to CAA, follow these steps.
- Set up new coverage before canceling your old policy to ensure continuous insurance coverage.
- Contact your broker or insurance company to cancel, providing the insured's name(s), policy number, and desired cancellation date.
Read our page on car insurance cancellation in Canada for a more detailed guide.
