2/5 (35 Reviewers)
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CAA Insurance brings together everything CAA has learned through its years of offering services to Canadian residents and has created a comprehensive line of personal insurance products.

After decades of serving Canadian motorists in a variety of important capacities, CAA is now offering insurance products through a network of professional brokers throughout Ontario.

CAA Insurance Company

HeadquartersThornhill, Ontario
Canadian Mkt. Share*0.45% (2017)
Insurance ProductsAuto, Home, & Property insurance
Provinces LicensedBC, MB, NB, NS, ON, PEI, SK
*Of all private P&C in Canada by net premiums written, excluding life and purely A&S companies.

CAA Insurance Quotes

Get a Quote now

Contact one of our professional brokers today and get a quote started that fits your lifestyle: rnSpeak with an Ontario broker today: 1-800-731-2228

Company Overview

CAA Insurance offers a broad range of personal insurance products that all come with a variety of add-ons and Member benefits.

While you do not need to be a CAA Member to buy CAA Insurance products, the cost of a membership would probably pay for itself with an auto and home policy.

CAA Insurance Advantages

CAA Insurance has been around since 1974 offering insurance products to CAA Members to keep them safe and soon realized this resonated well beyond CAA Members. CAA Insurance has a comprehensive understanding of what consumers want in insurance coverage, and an extensive database of information that helps in creating products and services that people need. CAA Insurance is also able to customize many aspects of their coverage to meet the needs of its clients. Some of the advantages of doing business with CAA Insurance include:

  • Full Lines Of Personal Insurance – CAA Insurance has a a number of property and auto policies to meet the needs of Members and Non Members alike. Within each line of insurance there are plenty of options and member benefits. CAA Insurance has a very impressive insurance offering, and that gives customers a lot of options to choose from.
  • Insurance the CAA Way – What makes CAA Insurance unique? CAA has been focused on customers service and helping CAA Members for over 100 years and starting an insurance company in 1974 was a natural fit.

CAA Insurance Products

Auto Insurance

CAA Insurance has a comprehensive auto insurance offering with lots of opportunities to save.

  • CAA Connect® can get you a five percent premium reduction just for enrolling in the program
  • CAA MyPace® pay-as-you-go car insurance, ideal for Ontario drivers who log less than 9,000km per year.
  • Forgive and Forget® can wash away your first at fault accident
  • Receive a five percent premium discount for having snow tires during the winter
  • Up to 20% savings for CAA Members

Home Insurance

Home insurance from CAA Insurance includes coverage for everything from CAA water coverage to identity theft.

  • 10 percent discount for CAA Members
  • Optional home equipment breakdown, CAA water coverage, and identity theft protection
  • Condo insurance
  • Tenant insurance for renters

CAA Insurance Quotes

Get a Quote now

Contact one of our professional brokers today and get a quote started that fits your lifestyle: rnSpeak with an Ontario broker today: 1-800-731-2228

®/™ CAA trademarks owned by, and use is authorized by, the Canadian Automobile Association.

CAA Insurance Reviews

2/5 (35 Reviewers)
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CAA Insurance
Head Office:
60 Commerce Valley Drive East, Toronto, Ontario L3T 7P9, Canada
Phone Number: 1-800-387-2656
Rating: 5 5 /5 stars

Great rates with CAA through Mitch Insurance Brokers

Working with Meghan Spencer from Mitch was a breeze. She was patient, explained everything and got me great rates with CAA. You can get even better if you buy a CAA membership. The insurance premium discount more than paid for the membership and you get the peace of mind with CAA’s services.

Rating: .5 .5 /5 stars


I began working through a broker weeks before my existing insurance was going to expire. I spent HOURS back and forth between my broker and CAA, more documents, more photos…on and on it went.

We reached the day of my renewal and I was told the policy would be in place by noon. At 4:00pm, the broker called to inform me CAA was backing out…and to be clear I have been insured for 50 years and NEVER placed a claim.

I think I dodged a bullet as I can only imagine how awful they would be to deal with if you ever had a claim.

Rating: 1 1 /5 stars

They dont give a good service when it comes for claims

Id rather go for Td bank auto insurance. SERVICE HORRIBLE….. Racist, they dont even let you understand the situation and explain. You as a client, have to cahse them through phone calls. They are not that helpful and accomodating

Rating: 4.5 4.5 /5 stars

Best Insurance Company For Me

I have been with CAA for a short time, and I saved money with them
CAA gave me rhe best rates and coverage for both my home and vehicle.
CAAmy pace is the best option for me as a low mileage driver.
Thè insurance broker I spoke with was very friendly and VERY knowledgeable.

Rating: 1.5 1.5 /5 stars

Omg the worst customer service ever, they hung up on you and never call you back. They pretend they can hear you. I am sorry but they don’t even gave Customer service that speaks English.

Rating: .5 .5 /5 stars

Don’t buy from CAA travel insurance

They will delay and delay and delay and pass you from one person to another and in the end all they’ll say is it’s under review.

Rating: .5 .5 /5 stars

Got quoted $200/month and then after spending 45 minutes on the phone had the rate tripled to $625

I did my online quote for CAA. It came back as $177 a month. I was laughing and was more than happy to pay.

I’m not a high risk, never had any accidents, no tickets, 30-year-old guy. (nothing out of the ordinary)

As I was getting ready to pay they require me to call in and verify. I wasted 45 minutes of my life.

They kept finding every excuse too increase the price.

In the end the reason why the price jumped from $200 – $600+ was that my little brother lives at home.

My little brother has no association with the car. Never will drive it, doesn’t even drive. Since he has a license they have to put him on the insurance policy mandatory. I thought this was BS and was not going to pay an extra $400 a month for someone who will never drive the car.

I ended up going with sonnet. No BS, no issues or problems. I am now paying $214 a month which is a good price for me.

I only chose to go to CAA because I heard a lot of great things. After having my own personal experience I wouldn’t waste my time ever again.

Rating: .5 .5 /5 stars

CAA Look somewhere else

I just put a claim for my home insurance from CAA as my wood fence fall down due to the wind storm. I called left message no one got back to me. So called and spoke to someone that told me my wood fence would not be replaced as they think it is too old. First they only take pictures so how the heck do they even know. Go somewhere else as it seems to me they will make any excuses not to pay. I will have to check other company as if they do this over a fence. There car insurance I think I would have problems too.

Rating: /5 stars

I had insurance from them for 6 mos some how I missed yhe payment date I called and they said next month we will take out both I agreed in the mean time they said they sent a registered letter which I did not receive or sign for since I did not comply with the letter they canceled me with out my knowledge while I had both payments in my bank account nothing came out I was concerned then I find out I’m driving for 3wks plus with out insurances I called and asked why they said because I did not comply with yhr registered letter on its date to get back to them o e hand does not know what the other hand is doing don’t buy there car insurance if it was not for the towing part I would wNt nothing to do with them

Rating: .5 .5 /5 stars

Cannot Get a Straight Answer from STEVE!

I called 6 days ago, spoke to a woman and gave her all my info. Waited on the line for a licensed agent (broker?) for a quote that never came!
After an hour waiting, I disconnected. They have all my info including phone number and my CAA Membership number (since 1986); NO CALL BACK!! How nice! I called again today, Steve answered. I asked him simply if he, not someone else, but could HE provide a quote for my 5 vehicles and two homes – his short answer was YES!
Not true!!! He stated he was an agent, not true because he could not EVER provide a quote. This was going to be a repeat from 6 days ago, waiting on the phone ad nauseum for someone to provide a quote. Waited once, will not wait again!
So all the reviews regarding how PATHETIC CAA is regarding insurance must be true. If they can’t even take your info and make good on calling you back, how will it be if I ever have a claim? Same BS or…?
The Insurance leader at CAA must be a disorganized and stupid individual that likely graduated in the bottom percentile of his class because no one, and I mean no one with with a couple ounces of integrity allows this as a viable customer service to anyone!! This event is seriously making me re-think my membership obligation with this once “storied” outfit.
Thanks to everyone that has left an honest review of your experiences. I dodged a bullet!! So sad to hear how many of you have been “SCR*WED” by this “ROGUE” business model.

Rating: .5 .5 /5 stars


The absolute worst customer service experience I’ve ever had. 50 days without out a response from an adjuster. You have to pretend you want to buy insurance then ask for an escalation department representative to even speak to someone.
I recommend no one ever use CAA on any level.

Rating: .5 .5 /5 stars

CAA car insurance pathetic

I changed from my previous car insurer to CAA last year, to my great regret. On December 17 I was involved in a single car accident (I was driving) enroute to Toronto. The CAA road side service was excellent. I filed a claim online (as recommended by CAA) on December 18. I received an automated response within 1 day saying an adjuster would be in touch with me within one day. After hearing nothing, I called CAA insurance on December 28 to ask what had happened. I was told that my claim had not been logged. On December 29, as I was on my way to a doctor’s appointment, an adjuster called to get further information. I was unable to accommodate her at that exact time and she told me that the office would be opened only until 1 pm on that day. If I couldn’t phone before then I would have to wait until January 3. January 3 I phone CAA Insurance and provided additional information that the person who answered the call requested. I was then referred to adjuster Amy. I emailed Amy to advise the number of my claim and to request a response before submitting receipts for the car repair. I couldn’t wait for repairs as I was away from home and had not heard from CAA Insurance, I paid for the repairs myself to allow me to return home and kept the receipts. I have heard nothing from Amy. I telephoned today to receive a voice mail message that Amy was away until January 6. It is now January 11. I tried to leave a message but the message service cut off even before I could fully leave my name. I am now on hold (for 15 minutes) trying to get through to the general insurance number. Absolutely abysmal service.

Rating: .5 .5 /5 stars

Avoid at all cost

I got roped in because of the cheap rates. Everything is good until you have a claim and then you can’t get a hold of anyone. My adjuster is [redacted] and he is as useless as they come. Zero communication. I called, emailed, left messages. Each time you call and try to escalate it you’re on hold for 1.5-2 hrs. only to be told to call your adjuster. My claim was a fender bender. It’s going on 3 months and it still hasn’t been resolved. They cancelled my rental even though it’s their fault that this hasn’t been resolved yet. I’ve never dealt with an insurance company that ignores you. Stay away.

Rating: .5 .5 /5 stars

Worse than useless!

Less then a year after we bought a house with a basically new roof, a few shingles blew off. We tarred it over and CAA sent someone out to look at them on August 26th. We called CAA and their local repair company who was supposed to give us the estimate weekly for months. They just wouldn’t finish the estimate finally, November 23rd they gave us the estimate. They would only fix the blown shingles, not the whole roof that was apparently shoddily done. $548 after our deductible. But since we are in Thunder Bay it was too late in the season to get the payout and get a new roof. We had to use our deductible and pay to get it repaired until the spring and then pay for a new roof. Way to waste our time and money!

Rating: /5 stars

useless company to deal with

completely useless company to deal with – after leaving you on hold forever – and a million different menu options finally you will get to talk to someone as useless as the automated operator. quite frankly i’d rather pull my own fingernails out than deal with this company ever again

Rating: .5 .5 /5 stars

They must work at it to be this incompetent

I honestly believe they are purposely trying to trip their customers up so that they can levy fines against them. Otherwise their level of incompetence is beyond stunning. They actually cancelled my insurance over a payment that was made (on time!) and was clearly visible on their own system. They had to create a brand new insurance policy to fix their mistake, full of extra hoops for me to jump through. Just one of the many many incompetencies: I have to trade out the MyPace tracking device, returning the old one in the self-addressed envelope they sent me – but they never sent the envelope. So I phone and they give me a link to an address label. The link does not work. Next person I talk to says keep the device until the new one arrives and return it in the envelope that comes with it. Fine, and then I receive an email threatening to fine me for not returning it. At least this email has a working link to the address. So I package it up, take it to the post office and am informed that it is an invalid postal code!!! They can’t even get their own address right. Unbelievable. And the new device is now installed, lights flashing, but online it tells me “the device isn’t installed”. I fully expect to get another threatening email (arrives on a Sunday with a donotreply email address) fining me. You can turn yourself inside out trying to do everything right, and they will still accuse you and threaten you and fine you and cancel your insurance because they can’t even manage their own administration. It isn’t worth it. Do NOT buy this. Run in the other direction and count your blessings.

Rating: .5 .5 /5 stars

Terrible customer service!

This insurance company has the worst customer service I have ever dealt with, I waited 5 months for any information regarding my claim and called several times on hold for a minimum of 1 hour. I never spoke to my claims officer once, only to the person who randomly picked up the call. I would strongly recommend not using this company. The only thing they are good at is accounts receivable they can certainly cash your payment with no hesitation.

Rating: .5 .5 /5 stars

Do not use CAA car insurance

I would not recommend CAA car insurance. My daughter was in an accident on June 30th. Took CAA till August 18th to settle. Lengthy wait times for an adjuster. Average hold time are 2 1/2 hours. Had to negotiate a fair payout. Their 1st offer was $4200. We settled at $7200. Do not accept their 1st offer. Horrible experience.

Rating: 4.5 4.5 /5 stars

Couldn’t be happier

Kind polite extremely helpful. Actually I enjoyed speaking with my rep and found the whole experience quite nice Kathrine was knowledgeable patient and very kind. She was everything a rep should be.

Rating: /5 stars

Feel Ripped Off

Just before Covid hit I purchased multi trip insurance for myself my mother and daughter costing over $300. then borders were shut down for the year i had just purchased for. CAA would not refund my money or extend our coverage and said there was nothing they could do. I Stronly recommend accessing travel insurance elsewhere zero star rating

Rating: 1 1 /5 stars

online quote

CAA online quote was giving a amount and when rate came back from them in person it was $300.00 more. What a rip off. online quote a waste of time

Rating: 5 5 /5 stars

Great insurance company with brokers who care

The brokers understand my unique needs, are able to look at my options and find me great solutions.

Rating: 5 5 /5 stars

M & W ( Mitchell & Whale Insurance Broker LTD.

I wish to say that as a Senior and looking for a better insurance for Auto and Home Insurance Coverage i came across M & W Insurance and was given a reasonable Insurance quote and was put on to CAA Insurance. I saved money – what I will say to my previous Insurance Company is that they new my age and driving record and each year my Premium’s go up and don’t reach out to me to help with lesser premium cost – Changing to another Insurance company is the only way not be be paying more than you should.
Best Regards.
Dan McCluskey – Toronto, Ontario

Rating: 5 5 /5 stars

New client. Too soon to comment

Very reasonable rate for our coverage. As pensioners this was much more affordable.

Rating: 1 1 /5 stars


Home owners beware! I had home insurance for several months with them. They were fully aware that i had a oil tank and furnace. I was not made aware by the broker. That i could be subjected to a oil inspection. Now three months later, I have been notified that i have failed the inspection and CAA has given me three days to find home insurance. Little did they know that i have submitted a gas application for a new furnace. Maybe they should of asked before just cancelling my insurance. I would not recommend CAA at all. Once my auto policies are up. I will be cancelling those as well. Insurance is such a scam.

Rating: 4 4 /5 stars

read reviews the broker send s u about your company

the broker were very fast and efficient and found me a great deal

Rating: 4 4 /5 stars

Great service and friendly people. Although what was quoted and signed was raised when payment summary was received.

Rating: 1 1 /5 stars

Don’t buy travel Insurance from CCA.

Don’t buy travel insurance from CCA as I’ve be waiting since may 1st,since the onsite of Covid 19, and have yet to receive my money. All I get is excuses. They don’t stand behind their product.

Rating: 1 1 /5 stars

Steer clear if you value honesty and integrity in an insurance company

They don’t even deserve a one- star rating. I and my family have been loyal members of CAA for close to forty years. On July 10, 2019 a water main broke and flooded my basement causing extensive damage to basement and contents. What transpired has been fifteen months of being lied to and manipulated. After having a company they regularly hire to do the clean up, this company refused to give me any more than one container for storage of basement contents. I’m a senior who is living on a limited income. I have been sleeping on my kitchen floor since July 15, 2019 because I tried to save some of the contents that would have been thrown out because of their refusal. I have lost irreplaceable mementos and belongings amounting to thousands of dollars. When I contacted the CAA claims adjuster I was flipped back to the clean up company.

I ended up dealing with the CAA South Central Ontario manager who gave me deadlines that didn’t exist and threats of having my contents dumped back in my basement as I was being hustled to “move the claim forward” by agreeing to things that benefitted CAA. There were other serious concerns and I emailed this manager for months trying to resolve this claim while finding out from other agencies that there were things I was entitled to under my claim that I didn’t get.

CAA has a motto and Mission Statement. It is ludicrous and flies in the face of the shabby way I and others have been treated not only by CAA South Central Ontario but by CAA itself. Just read the reviews on the Internet from people who worked for them, people who had memberships with them and tried to get towing, etc, and people who have had house insurance with them to see how they really treat clients who try to put in a claim. There is something called Bad Faith Insurance. CAA and CAA South Central Ontario are the epitome of Bad Faith Insurance. Steer clear if you value your house, your car, your belongings and yourself. Steer clear if you want honesty and integrity in an insurance company because you won’t get it with CAA.

Rating: 5 5 /5 stars

Lower Rates With Better Coverage

After years of annual auto and home insurance rate increases at Desjardins Insurance, we went with CAA. Their rates for both home and auto were phenomenal. We saved over $1000 by switching. Our good rates were based on 20 yrs with no claims, our age (seniors) and less driving. I was very happy switching to Mitchell and Whale since they found the best “fit” for us.

Rating: 3 3 /5 stars

Good people

Rating: 1 1 /5 stars

Complete incompetence

Mother and I were loyal customers.

After many years, we had our first accident. Small one. Barely worth claiming.

Call up to discuss the issue as I’ve never had to deal with this scenario. Turns out they cancelled our account due to non-payment.

A fun little game they played over the last year. Come time for the automatic withdrawal and ‘magically’ something would go wrong.

Speaking with my bank and they inform me it was the actions of CAA that was placing the stop on my account.

The associate here in South London, when asked to look into it would immediately deny it was them without even looking into it.

The end result, my ability to get new insurance is now significantly damaged due to the non-payment issue.

Honestly if they had just told me to leave I would have happily gone somewhere else.

Let alone, if a payment is missed, the only option is to physically go in to the one location. Meaning I have to leave work to do so and hope he didnt leave early because apparently that’s a thing when you only have one representative for the city of London.

This company only shows complete incompetence in thier ability to manage thier clients efficiently.

Let alone such negligence.

Currently building a case against them as they couldnt even remember to send me a letter of cancellation.

Go with anyone else. At least you’ll either know they care or know they are trying to screw you. With this company, they simply lack common sense and ability. A complete lack of professionalism.

Rating: 5 5 /5 stars

My economical insurance stopped being so

Got a newer car a little smaller than buick allure got a ford fusion. Insurance bumped my premium from 660 to 1137. And i only drive a couple thou a year.
Called Caa 300 a year and 50 bucks a thousand K
Thanks economical also bough a house and they wouldnt even send a quote caa is 300 less and better coverage than the 2 quotes i got.800 or so a year in my pocket

Rating: 1 1 /5 stars

Do not get caa

Just had an accident three month ago. Hit my head had a concussion. Truck hit me from behind CAA don’t need to pay for s*** here.

CAA calls me after three weeks and now they don’t wanna pay me and are denying my phycologist and its absolutely disgusting company. Stick with chubbs

Rating: 5 5 /5 stars

good rates

I have never had an accident in all 40 years that I have been driving. I used to be with Greypower until they were turned into Belair. I was able to get a satisfactory rate with CAA and got a discount because I was a CAA member.