Co-operators Car Insurance Review, Cost, Contact 2024

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Alexandre Desoutter updated on 20 March 2024

In 2024, car insurance costs in Canada have jumped by almost 25% because things like fixing cars and parts are getting more expensive. With prices going up, picking the right car insurance is more important than ever.

One option you could look at is The Co-operators car insurance. In this Co-operators car insurance review, we'll take you through everything you need to know from coverage, their prices, the pros and cons, and how to apply, to help you decide if they're the right choice.

You can also use our free tool to compare Canada's best car insurance quotes personalized to your unique needs and budget and get the best deals here.

Co-operators car insurance: 5 key takeaways

  1. Personalized coverage tailored to each province.
  2. Wide range of comprehensive services offered.
  3. Often more affordable with specific discounts available.
  4. Local officers provide personalized customer service.
  5. Online quotes are available on The Co-operators website in quick steps.

Our 2024 review of The Co-operators Car insurance

Based out of Ontario, The Co-operators is one of the largest insurance companies in Canada. Established in 1975, The Co-operators’ unique attribute lies in offering tailor-made products for communities across provinces paying attention to their unique needs.

Choosing The Co-operators for your car insurance is smart for a few reasons. Apart from mandatory coverage like third-party collision, Accident Benefits, Uninsured Automobile Coverage, and Direct Compensation Property Damage, it offers a host of interesting additional coverage options and discounts.

If you're a new driver, you can get rewards for driving safely. You can also save some cash with discounts, especially if you bundle your home and car insurance together or if you're cruising around in a hybrid or electric car.

When you experience an accident for the first time and meet certain criteria, rest assured—your insurance rates won't automatically increase. You can enhance your coverage with additional protections, such as rental car coverage or new car protection for significant incidents during the first five years.

Setting up your insurance online is quick and straightforward, taking just a few minutes. If you're in search of insurance that's reliable, offers tailor-made coverage, and easy online application, The Co-operators could be a good choice.

You must compare car insurance plans before buying a policy. You can use our free tool below to get car insurance quotes from Canada's best companies based on your unique needs.

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It's important to weigh the pros and cons before you make a decision. Let's take a quick look:

Pros of Co-operators car insurance

  • Personalised coverage options for each province
  • Availability of local Co-operators officer for better customer service
  • Additional discounts for specific cases
  • More affordable than many of their competitors

Cons of Co-operators car insurance

  • Long response time as noted in some Cooperators car insurance reviews online
  • Overlooked errors in documents

What does The Co-operators Car Insurance cover?

The Co-operators offers some general coverage options as well as advantageous protection options. Here's a quick look at them.

General CoverageAdvantageous Protection
  • Third Party Liability in case you are responsible for damaging another person’s vehicle
  • Accident benefits that cover medical expenses (not covered by provincial health insurance)
  • Uninsured automobile that covers any damage caused by an unidentified vehicle owner
  • Direct compensation covers an accident for which you are not entirely responsible
  • Collision where you are protected up to the cost of repairs
  • Specified perils which covers fire, lightening, theft, wind storm and others
  • Comprehensive coverage where all losses incurred by your vehicle are covered
  • All Perils coverage includes both Collision and Comprehensive coverage*
Co-operators car insurance coverage

*All Perils Except Collision or Upset in Quebec/Accidents without Collision or Upset in NB

How much does The Co-operators Car Insurance cost?

The Co-operators auto insurance policies are tailored according to the particularities of each province. You can also have the option to choose a public or private policy or a combination of both based on your needs. You can receive a customized quote based on your province and your requirements.

Below we have provided a sample table that shows the monthly premium of three customers, based on their age. The table shows three people from different age groups asking for car insurance in Ontario, who own the same car model - a 2022 Acura ILX 4DR :

AgeGenderWinter Tires (Ontario, Dec-March)Monthly cost of Co-operators car insurance
Female $284.75
Male $305.92
Female $215.92
Male $204.58
Monthly cost of Co-operators car insurance

It is interesting to note that in Canada, age is one of the factors that can affect your car insurance rates. Typically, younger drivers will pay higher premiums because they are considered to be at a higher risk of getting into an accident due to their lack of driving experience.

On the other hand, older drivers may also face higher premiums due to a higher likelihood of developing health problems or slower reaction times that could affect their ability to drive safely.

However, car insurance rates tend to be highest for drivers under the age of 25, as this age group is statistically more likely to be involved in accidents than other age groups. Once a driver reaches their mid-20s, their premiums may start to decrease as they gain more driving experience and establish a safe driving record.

Good to know

For vehicles that are older than 15 years, you can get a personalized coverage plan. You can talk to an agent regarding the right protection plan at 1-833-314-4403. You will also receive a personalized Submission ID to make your request.

Car insurance quotes depend on your unique needs and budget, so it's important to get personalized quotes. You can use our tool below to compare car insurance quotes from the best companies in Canada and tailor the coverage as you want.

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How to get a Co-operators Car Insurance Quote?

You can get The Co-operators Car Insurance quotes online in a few quick steps.

  1. Navigate to the Website: Visit The Co-operators' website and look for the "Get a Quote" button.
  2. Click the Get a Quote Button: This will lead you to a form that is designed to be quick and easy, taking no more than 3 minutes to complete.
  3. Fill Out the Form: Enter the required details such as your car model, year of purchase, any current auto insurance you have, and the type of license you hold.
  4. Provide Additional Information (Optional): For a quote tailored to your specific needs, add more detailed information like whether your car is leased, bought, or still being purchased, and whether you wish to include extra coverage options.
  5. Submit and Receive Your Quote: Once submitted, you'll receive your quote, which will be saved in your inbox for up to 60 days.
  6. Quote ID: You'll be given a Quote ID, allowing you to check back on your quote anytime within 60 days.
co-operators' quote process
Co-operators online quote

Ready to discover how much you could save on car insurance? Check out our quote calculating tool and compare leading insurers. Don't miss the chance to find the best option that meets your needs and budget.

Compare Canada's best car insurance plans

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How can you save with The Co-operator Car Insurance?

There are several ways in which you can potentially save on your car insurance with The Co-operators. Let’s take a look at the table below:

Perks and BenefitsDescription
New driver rewards
Earn rewards for safe driving behaviours if you're a new driver.
Bundle discounts
Save on your premiums when you bundle your home and auto insurance, or if you drive a hybrid or electric vehicle. Other discounts may be available as well.
Accident forgiveness
If you've been licensed and collision-free for 6 years, your premiums won't go up after your first collision.
Add-ons for extra protection
Customize your coverage by adding protection for rented or borrowed vehicles, protection against depreciation of your new vehicle, and more.
Online purchasing
Get insured in minutes by answering a few questions and purchasing your policy directly online.
How to save money on your Co-operators car insurance

Good to know

To get a quote on your bundle you can call their customer service number 1-833-314-4403 where you can explain your needs to an agent who will guide you through the process.

How to contact The Co-operators Car Insurance?

You may want to contact Co-operators for some information, to file a claim or even cancel your car insurance. There are 3 ways to contact The Co-operators auto insurance:

Method of contactDescription
Online form
Fill out an online form with details such as your postal code, name of the agency, city, and province, and The Co-operators will provide you with a representative in your area.
Send an email to [email protected] to get in touch with the customer support team.
Co-operators phone number
Call 1-855-446-2667 to speak with a customer support representative. If you need a quote, call 1-877-545-2667 (for Quebec, call 1-877-630-2667).
Contact information for Co-operators car insurance

How to change your address on you car insurance?

You can change your address and other details on The Co-operators website. You just have to sign in, go to Profile Preference and make the change. If you're unable to make the change online, you can call one of the customer care numbers or write to the email mentioned in the section above.

Is there a Co-operators insurance app?

Yes, The Co-operators offers a convenient app for both Android and iOS users. You can file claims, access policy and billing documents, obtain quotes, and locate advisors—all through the app. Upon purchasing a policy, you'll receive login credentials, granting you seamless access to the app and all its features.


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Alexandre Desoutter

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.

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