CAA Insurance Company

CAA Insurance Company, Canadian auto and home insurer

CAA Insurance Company is a Canadian insurer that states it has been protecting Canadians since 1974. Its activity focuses on auto and property insurance, with a portfolio that includes auto, home, condo and tenant policies, as well as complementary coverages and specific programs for drivers.

Auto insurance and driver programs

In the auto segment, the company offers the standard policy along with Accident Benefits, the accident benefit coverage that provides financial and medical support in the event of injury in a road accident, regardless of fault. The company also offers CAA MyPace, a pay-as-you-go program, and CAA Connect, as well as a policy for antique and classic vehicles, optional coverages and electronic proof of insurance.

The website includes an insurance guide and educational resources. These include an interactive needs assessment tool, educational videos, blog articles and a chatbot, aimed at helping customers understand their coverage options and have a conversation with their agent or broker.

Regulatory changes in Ontario

The insurer dedicates space to explaining the update to Accident Benefits that Ontario is introducing in all auto policies effective July 1, 2026. According to the published information, the new framework keeps some benefits included in every policy in the province and makes others optional, with the aim of providing more flexibility to tailor coverage to each need.

Property insurance and complementary coverages

In the property section, the catalogue includes home, condo and tenant insurance, along with specific coverages: Renewable Energy Equipment Coverage, Home Equipment Breakdown Coverage, Legal Expense Insurance, CAA Tire Coverage and Service Line Coverage. The company presents as customer advantages complimentary tire coverage when bundling home and auto insurance, optional home equipment breakdown coverage and exclusive discounts for CAA members.

Purchase can be made through a CAA Insurance agent or broker, and the company notes that both channels offer the same coverage and price. It has a search tool to find an agent or broker and online services for customers with an active policy.

Awards and track record

The company itself highlights that Forbes has recognized it four times as one of the best auto and home insurers in Canada, within its annual list of the world's best insurers, compiled with market research firm Statista based on surveys of more than 45,000 people in 15 countries. It also states that RATESDOTCA distinguished it as the best overall auto insurer in Canada in 2025, following a Pollara Strategic Insights survey conducted in fall 2025 in Ontario and Alberta, where it was named the most trustworthy and the best rated in product, value for money, communication and clarity.

Geographic coverage and customer service

The site navigation allows selecting the provinces of British Columbia, Saskatchewan, Manitoba, Ontario, New Brunswick, Nova Scotia and Prince Edward Island. The company maintains specific sections for claims and inquiries, complaint resolution, consumer rights and responsibilities, approved collision repair facilities, auto theft prevention and protecting your home.

Insurance activity and partner entities

CAA auto and property insurance and tire coverage are underwritten by CAA Insurance Company. Emergency travel medical insurance is also underwritten by the company, with claims management handled by Global Excel Management. Home equipment breakdown and service line coverages are underwritten by CAA Insurance Company and their claims are administered by FM Boiler Re. Legal coverage is underwritten by CAA Insurance Company and its management corresponds to ARAG Legal Solutions Inc. The member discount requires being a CAA member in good standing, and the CAA Head Start Discount is aimed at children or dependents of a policyholder with an active policy and offers a 25% saving on enrolment for those under 25 with a clean driving record.

Location and contact

PO Box 8075 CIC STN Industrial Park, Markham, ON L3R 0K4 · Phone: 1-877-222-1717