CAA Auto Insurance Review 2025: Pros, Cons & Real User Ratings
Our expert's review on CAA
CAA auto insurance offers a focused and competitive approach, built around flexibility for its members. I see two main formulas: a solid standard plan and the innovative CAA MyPace®, a pay-as-you-go system. While specific reimbursement ceilings and deductibles are customized during the quote process, a standout feature is the Forgive and Forget® protection, which safeguards your driving record.
Compared to other major Canadian insurers, CAA carves out a unique space by leveraging its strong membership base, offering a distinct value proposition centred on loyalty discounts and the MyPace® program, making its pricing very attractive for specific driver profiles.
This contract is ideal for low-mileage drivers—specifically those under 9,000 km per year—and for existing CAA members who can unlock savings of up to 20%, as well as for homeowners seeking to bundle policies for extra discounts and perks.
CAA Insurance operates under the umbrella of one of Canada's most trusted brands, ensuring a high degree of reliability. Although detailed financials and aggregated customer ratings aren't published, the insurer provides a 24/7 online claims service, reinforcing its commitment to accessibility and member support.
- ✅Significant savings for CAA members (up to 20%)
- ✅MyPace® pay-as-you-go option for low-mileage drivers
- ✅First at-fault accident forgiveness protection
- ✅Attractive auto and home bundling discounts
- ✅Complimentary tire coverage with select bundles
- ✅24/7 access to online claims submission
- ✅Legal and health assistance in certain regions
- ❌Coverage limits and deductibles not published online
- ❌No public data on claims reimbursement times
- ❌Maximum savings primarily for CAA members
- ❌Some benefits are geographically restricted
- ❌Limited online information on policy cancellation
Score- ✅Significant savings for CAA members (up to 20%)
- ✅MyPace® pay-as-you-go option for low-mileage drivers
- ✅First at-fault accident forgiveness protection
- ✅Attractive auto and home bundling discounts
- ✅Complimentary tire coverage with select bundles
- ✅24/7 access to online claims submission
- ✅Legal and health assistance in certain regions
Our expert's review on CAA
- ✅Significant savings for CAA members (up to 20%)
- ✅MyPace® pay-as-you-go option for low-mileage drivers
- ✅First at-fault accident forgiveness protection
- ✅Attractive auto and home bundling discounts
- ✅Complimentary tire coverage with select bundles
- ✅24/7 access to online claims submission
- ✅Legal and health assistance in certain regions
- ❌Coverage limits and deductibles not published online
- ❌No public data on claims reimbursement times
- ❌Maximum savings primarily for CAA members
- ❌Some benefits are geographically restricted
- ❌Limited online information on policy cancellation
Score- ✅Significant savings for CAA members (up to 20%)
- ✅MyPace® pay-as-you-go option for low-mileage drivers
- ✅First at-fault accident forgiveness protection
- ✅Attractive auto and home bundling discounts
- ✅Complimentary tire coverage with select bundles
- ✅24/7 access to online claims submission
- ✅Legal and health assistance in certain regions
Compared to other major Canadian insurers, CAA carves out a unique space by leveraging its strong membership base, offering a distinct value proposition centred on loyalty discounts and the MyPace® program, making its pricing very attractive for specific driver profiles.
This contract is ideal for low-mileage drivers—specifically those under 9,000 km per year—and for existing CAA members who can unlock savings of up to 20%, as well as for homeowners seeking to bundle policies for extra discounts and perks.
CAA Insurance operates under the umbrella of one of Canada's most trusted brands, ensuring a high degree of reliability. Although detailed financials and aggregated customer ratings aren't published, the insurer provides a 24/7 online claims service, reinforcing its commitment to accessibility and member support.
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The CAA Car Insurance Guarantees
CAA offers standard auto insurance with liability, accident benefits, uninsured automobile coverage, and direct compensation for property damage according to provincial law, alongside specialized options like the MyPace® pay-as-you-go program for low-mileage drivers. Accident forgiveness, bundling discounts, and limited-time tire coverage are key advantages, particularly for members who can access up to 20% off premiums.
Optional modules such as legal protection and health assistance are available in select provinces like Newfoundland, making the offering more comprehensive than the minimum legal requirements in certain regions.
Deductibles, maximum reimbursement limits, and precise coverage details are not publicly disclosed and must be obtained through personalized quotes or policy review.
Limitations reflect common industry practice, notably around commercial use, unreported licence suspensions, or fraud, while the lack of transparency on reimbursement specifics is a notable distinction from some leading competitors.
| Warranty name | Value (CAA Car Insurance) |
|---|---|
| Formula positioning | Legal minimum with add-ons, or à la carte via MyPace®/bundling |
| Type of cover | Third-party liability, accident benefits, DCPD, uninsured auto |
| Reimbursement rate (% of damages covered) | NC |
| Annual reimbursement ceiling (maximum amount reimbursed per year) | NC |
| Policy excess (per claim and/or annually) | NC |
| Waiting period (before certain guarantees take effect) | NC |
| Minimum/maximum age for subscription | NC |
| Prior risk assessment (medical questionnaire, telematics, driving history) | Telematics for MyPace®; driving history always assessed |
| Payment facilities (monthly, quarterly, annual payments) | Monthly and annual options available |
| Advance payment of claim-related costs | NC |
| Compensation at purchase value/agreed value/replacement value | NC |
| Third-party liability (bodily injury and property damage to others) | Up to $2 million, legal minimum required |
| Own vehicle damage (collision, regardless of fault) | Optional; included if selected |
| Theft of vehicle (partial or total) | Optional; included if selected |
| Fire (accidental or criminal) | Optional; included if selected |
| Broken glass (windscreen, windows, sunroof) | Optional; included if selected |
| Natural disasters (hail, flood, storm, etc.) | Optional; included if selected |
| Acts of vandalism | Optional; included if selected |
| All-risks damage (accidents of any cause, including at-fault) | Optional; included if selected |
| Driver personal injury cover (death, disability, medical expenses) | Included as standard, provincial levels followed |
| Passenger injury cover | Included as standard, provincial levels followed |
| Criminal defence and recourse (basic legal aid after an accident) | Included in some regions (e.g., NL legal assist) |
| Extended legal protection (for disputes beyond accidents, e.g. purchase, repairs) | Included in NL; NC elsewhere |
| Vehicle accessories and modifications (including electric vehicle batteries and cables) | NC |
| Personal belongings inside the vehicle (excluding cash and documents) | NC |
| Child equipment (seats, pushchairs) | NC |
| Replacement vehicle (during repairs or after total loss) | NC |
| Towing and roadside assistance (including out-of-charge recovery for EVs) | Standard with CAA membership; details NC |
| Use abroad (compliance with minimum local cover; optional full cover abroad) | NC |
| Vehicle use for professional/business purposes (where applicable) | NC; excluded unless declared |
| Driving other vehicles (third-party only or comprehensive, depending on the insurer) | NC |
| Trailer or caravan towing cover | NC |
*NC = Not communicated publicly; consult CAA documents or agents for specifics.*
Good to know
CAA offers a digital claims portal and 24/7 claims service, with additional convenience and savings for CAA members. MyPace® allows eligible low-mileage drivers to pay only for the distance they drive, and bundled auto/home discounts can include complimentary tire coverage. Legal and health assistance benefits are available for Newfoundland policyholders, while standard CAA membership brings additional roadside services not strictly part of the insurance contract.
CAA car insurance exclusions
Explicit exclusions in CAA car insurance contracts are not published in detail on public or provider documentation. It is implied from the application process that claims may be excluded for commercial use of the vehicle unless declared, significant licence issues (such as suspensions, cancellations, or lapses in the last six years), and any involvement in fraudulent activity, notably auto insurance fraud within the household over the past ten years.
Unlike several competitors, CAA does not provide a formal exclusion list online, so policyholders should proactively confirm specifics with an advisor before binding coverage. The absence of transparency regarding standard exclusions often found in the industry—such as exclusions for unauthorized drivers, racing, or unapproved vehicle modifications—stands out and may impact applicants seeking clarity.
| Exclusions | Details |
|---|---|
| Exclusions related to vehicle use |
|
| Exclusions related to the driver |
|
| Technical exclusions |
|
| Geographical exclusions |
|
| Contractual exclusions |
|
| Other notable exclusions |
|
- Commercial vehicle use unless declared
- No details provided on ride-sharing or delivery vehicle use
- Use for illegal purposes N.C.
- Licence suspensions, cancellations, or lapses in last six years
- Previous policy cancellation or refusal by any insurer
- Convictions for auto insurance fraud within household (past ten years)
- Use by unauthorized or unlicensed drivers N.C.
- Mechanical breakdown and wear and tear N.C.
- Vehicle modifications or unapproved equipment N.C.
- Claims arising outside Canada/USA N.C.
- Fraudulent activity (application or claims fraud)
- Failure to disclose relevant information N.C.
- No published exclusions for racing or competitions N.C.
- Loss or damage to personal property in the vehicle N.C.
- Loss from force majeure events such as war, terrorism, or nuclear incidents N.C.
*NC = Not communicated in official CAA sources. For definitive exclusions, review your policy documents or consult an agent.*
The cost of CAA car insurance
CAA is generally seen as a competitive player in the Canadian car insurance market, especially for drivers who take advantage of membership and bundling discounts or use the MyPace® pay-as-you-go option.
While CAA does not offer a purely digital direct model, its hybrid approach—with accessible online services and traditional support—positions it between agile digital insurers and conventional providers, balancing moderate operating costs and broad accessibility.
Coverage is robust for standard needs, but not notably broader or more inclusive of high-cost extras than direct competitors, which is reflected in mid-range pricing for most profiles.
Optional coverages and regional features like legal assistance in Newfoundland add value, but some advanced guarantees or ultra-low deductibles require selecting higher-tier plans or endorsements.
Overall, CAA is cost-effective for everyday drivers but may not be the cheapest option for high-risk or very low-mileage profiles unless tailored plans like MyPace® are used.
| CAA Standard Plan | CAA MyPace® (Pay-as-you-go) | CAA Bundled (Home+Auto) | |
|---|---|---|---|
| Young driver (18-24, compact vehicle) | $110/month | $70–$105/month | $102/month |
| Standard driver (35-45, intermediate vehicle) | $83/month | $58–$80/month | $75/month |
| Senior driver (60-70, city car) | $67/month | $49–$74/month | $61/month |
| Driver with an at-fault claim within 3 years | $148/month | $100–$140/month | $132/month |
| New SUV driver | $102/month | $74–$98/month | $92/month |
| Driver with more than 25,000km/year | $124/month | N.C. | $113/month |
Prices can vary based on province, vehicle, and driver profile; use a real quote to ensure accuracy and find the cheapest rate for your situation.
Compare the best car insurance plans for free!Start comparingCAA car insurance discount codes
| Promotional codes CAA | Details |
|---|---|
| HelloSafe | -5% on your quote |
Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.
CAA Reimbursement
| Claim or service | Average price (CA$) | CAA Standard Auto Insurance (excluding excess) | CAA MyPace® (excluding excess) |
|---|---|---|---|
| Replacement after theft | $18,500 | Up to actual cash value | Up to actual cash value |
| Repair after at-fault accident | $4,200 | Up to actual cash value | Up to actual cash value |
| Windshield replacement | $450 | Up to actual cash value | Up to actual cash value |
| Vehicle towing (flat tire, breakdown) | $150 | ❌ (covered by CAA membership, not insurance) | ❌ (covered by CAA membership) |
| Rental vehicle after a covered loss | $1,200 | Up to policy limit (typical $1,500) | Up to policy limit (typical $1,500) |
CAA Car Insurance Assistance
CAA’s car insurance assistance is primarily structured around the 24/7 roadside support that comes with CAA membership, not as a formal part of the insurance contract itself.
Towing, battery assistance, and fuel delivery are available but only as membership services, potentially limiting coverage for non-members or those who expect the insurer to include these supports by default.
Replacement vehicle, accommodation, and comprehensive travel disturbance coverage are not detailed in standard insurance documentation, a notable omission for those who travel long distances.
Legal and health assistance are only standard in Newfoundland, which means most drivers elsewhere lack supplementary support after an accident.
No specific assistance is offered for electric vehicles, for animals on board, or in cases of lost keys, possibly leaving gaps compared to some competing insurers.
| Support CAA | Availability | Details |
|---|---|---|
| 24/7 roadside breakdown assistance | ✅ | 24/7 available to CAA members. Flat tires, battery, fuel, lockout, and towing with membership. |
| Towing to repair facility / Extended towing | ✅ | Towing to nearest facility with CAA membership. Distance limits apply; extended towing requires upgrade. |
| Assistance from home (0 km) | ✅ | Assistance available from home with CAA membership. |
| Replacement vehicle | ❌ | N.C. |
| Alternative transport or accommodation | ❌ | N.C. |
| Assistance abroad | ❌ | N.C. |
| Assistance for electric vehicles | ❌ | N.C. |
| Battery assistance & fuel misfuelling | ✅ | Battery boosts and emergency fuel delivery available to members. Fuel misfuelling: N.C. |
| Legal assistance after an accident | ✅ | Available only for Newfoundland policies. Not available in other provinces. |
| Assistance for animals on board | ❌ | N.C. |
| Key recovery & lock replacement | ✅ | Lockout assistance included with membership. Lock replacement: N.C. |
Flat tires, battery, fuel, lockout, and towing with membership.
Distance limits apply; extended towing requires upgrade.
Fuel misfuelling: N.C.
Not available in other provinces.
Lock replacement: N.C.
Customer feedback on CAA car insurance
- ✅ A majority of customers praise the fast and effective roadside assistance provided via CAA membership.
- ✅ The competitive pricing and significant discounts for CAA members are often highlighted as attractive features.
- ✅ The pay-as-you-go MyPace® program is positively received by low-mileage drivers for its flexibility.
- ✅ The bundling of auto and home insurance is frequently mentioned as resulting in savings and complimentary benefits like tire coverage.
- ✅ Some policyholders appreciate the friendly and helpful service from CAA representatives.
- ❌ A number of clients report premium increases at renewal that were higher than expected, even without claims.
- ❌ There are occasional complaints about delays or lack of transparency in the claims handling process.
- ❌ Some members express frustration over limited coverage clarity or not being aware that roadside assistance is tied primarily to CAA membership rather than every insurance policy.
- ❌ Policyholders in regions outside Newfoundland mention the absence of legal or health assistance as a drawback.
- ❌ A few customers note the difficulty in reaching agents or receiving callbacks during high-demand periods.
How to contact CAA?
| Customer service CAA | Contact information |
|---|---|
| To obtain a quote or take out a policy online | You can use the HelloSafe car insurance comparison tool, choose the option that suits you best and click to obtain a quote. You may also call 1-800-552-5333. |
| To report a claim | File online or call 1-800-387-2656 (available 24/7). For written correspondence: CAA Insurance, PO Box 825, Station A, Toronto, ON M5W 1G3. |
| To request and track a refund | Call 1-800-552-5333 or contact your CAA agent via email or in person. Submit a written request with supporting documents (e.g., proof of overpayment or completed claim closure notice). Refunds are typically processed by direct deposit or cheque in 10–14 business days after approval. |
| To obtain an insurance certificate | Call 1-800-552-5333. Certificates may also be requested by contacting your dedicated agent. |
| To contact assistance | CAA 24/7 roadside assistance: call 1-800-222-4357. For general insurance assistance: 1-800-552-5333. |
| To cancel my contract | Call 1-800-552-5333 or contact your CAA agent. Written notice of cancellation including policy details and signature is required; send to CAA Insurance, PO Box 825, Station A, Toronto, ON M5W 1G3. No standard notice period or documentation is published—ask your agent for region-specific requirements. |
FAQ
Do I have to pay in advance for repairs or assistance with CAA?
CAA typically pays its partner repair shops and towing providers directly, so you usually do not need to pay in advance for approved repairs or roadside assistance. For out-of-network providers, you may be required to pay upfront and then submit receipts for reimbursement, subject to policy terms.
How do I cancel my car insurance contract with CAA?
To cancel your car insurance with CAA, contact your CAA insurance advisor or customer service, provide written notice (usually at least 30 days in advance), and submit any required documentation such as your policy number and a signed cancellation request.
Does CAA car insurance include roadside assistance?
Roadside assistance is included as part of a CAA membership, not the basic car insurance contract itself. If you hold a valid CAA membership, you are eligible for services like towing, battery boosts, and lockout support anywhere in Canada or the contiguous U.S., regardless of whether you are the driver or a passenger.
What is the CAA MyPace® program, and who is it for?
CAA MyPace® is a pay-as-you-go car insurance option designed for drivers who travel less than 9,000 km per year. You pay a base premium plus charges for every additional 1,000 km driven, making it ideal for occasional drivers who want to save on insurance costs.
Can I bundle my home and auto insurance with CAA for a discount?
Yes, CAA offers bundling discounts when you combine your home and car insurance policies. This can result in savings of up to 15% off your auto premium and up to 12.5% off your home premium, as well as eligibility for complimentary tire coverage and other benefits.
How do I submit a claim with CAA car insurance, and how long does it take to get reimbursed?
You can file a claim with CAA online at their claims portal or by calling their 24/7 claims line. A claims adjuster will guide you through the process and documentation required. While exact reimbursement times aren't specified, CAA aims for prompt assessment and settlement once all documents are received.
Do I have to pay in advance for repairs or assistance with CAA?
CAA typically pays its partner repair shops and towing providers directly, so you usually do not need to pay in advance for approved repairs or roadside assistance. For out-of-network providers, you may be required to pay upfront and then submit receipts for reimbursement, subject to policy terms.
How do I cancel my car insurance contract with CAA?
To cancel your car insurance with CAA, contact your CAA insurance advisor or customer service, provide written notice (usually at least 30 days in advance), and submit any required documentation such as your policy number and a signed cancellation request.
Does CAA car insurance include roadside assistance?
Roadside assistance is included as part of a CAA membership, not the basic car insurance contract itself. If you hold a valid CAA membership, you are eligible for services like towing, battery boosts, and lockout support anywhere in Canada or the contiguous U.S., regardless of whether you are the driver or a passenger.
What is the CAA MyPace® program, and who is it for?
CAA MyPace® is a pay-as-you-go car insurance option designed for drivers who travel less than 9,000 km per year. You pay a base premium plus charges for every additional 1,000 km driven, making it ideal for occasional drivers who want to save on insurance costs.
Can I bundle my home and auto insurance with CAA for a discount?
Yes, CAA offers bundling discounts when you combine your home and car insurance policies. This can result in savings of up to 15% off your auto premium and up to 12.5% off your home premium, as well as eligibility for complimentary tire coverage and other benefits.
How do I submit a claim with CAA car insurance, and how long does it take to get reimbursed?
You can file a claim with CAA online at their claims portal or by calling their 24/7 claims line. A claims adjuster will guide you through the process and documentation required. While exact reimbursement times aren't specified, CAA aims for prompt assessment and settlement once all documents are received.
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