What began as an advocacy group in 1913 and later introduced roadside assistance in 1923 has evolved into one of Canada’s top car insurance companies. Today, CAA Insurance offers a variety of insurance products, including home, tenant, travel, and car insurance.
While CAA Insurance Company is the underwriter of their car insurance policies, those policies are sold through CAA’s regional clubs, which serve Canadians based on their location.
While shopping around and comparing providers is always a good idea, it’s especially important if you’re thinking about buying car insurance from CAA, as they don’t compare quotes from multiple carriers like a broker does.
Pros | Cons |
Household name | Restricted to CAA products |
Available Canada-wide | Phone call needed to buy |
Discount for CAA members | Minimal online reviews |
Offers pay-as-you-go option for low-milage drivers | Price discrepancy between direct and broker quotes |
✅ Household name
After over 100 years in business, CAA is well-known by Canadians for its wide range of services, including roadside assistance, travel planning, insurance (home, tenant, car, travel, etc.), and advocacy for motorists and travellers.
❌ Restricted to CAA products and pricing
Since CAA car insurance policies are underwritten by the company’s own insurer, you are limited to their products, prices, and discounts. In contrast, when you shop with a broker like YouSet, multiple carriers are considered, ensuring a broader selection and increasing your chances of finding the best possible price.
✅ Available Canada-wide
CAA car insurance is available nationwide. However, since policies are bought through regional clubs, the products and discounts available may vary by location.
❌ Limited self-serve checkout, phone call needed to buy
Even though CAA provides online quotes, you may not be able to actually buy that policy through their website in your region. In many cases, you’ll need to call CAA directly and speak with a sales representative to complete your purchase.
✅ Discount for CAA members
If you’re already one of the approximately 7 million Canadians who are CAA members, the added discount for existing customers may factor into your decision. However, if you’re not, the discount might not hold much value, as you’d need to pay for a membership to access the savings.
❌ Minimal online reviews
With so many car insurance companies and brokers to choose from, a lot of Canadians look to online reviews from past and current customers to validate their decisions. However, because CAA operates through several regional clubs, reviews can be harder to find. For example, CAA South Central Ontario has a rating of 2 out of 5 stars on TrustPilot, which may be helpful, but only if that’s the club you’d be buying from.
✅ Offers pay-as-you-go option for low-milage drivers
CAA provides a pay-as-you-go insurance option for low-mileage drivers looking to pay based on how much they drive. While it can offer potential savings, it requires tracking mileage with a device and regularly reloading kilometres. Also, as of January 2025, this option is only available to drivers in Ontario, Nova Scotia, New Brunswick, and Prince Edward Island.
❌ Price discrepancy between direct and broker quotes
CAA car insurance is also available through some brokers, which can lead to price discrepancies between the quote you receive on the CAA website and the quote offered through a broker. While this is not uncommon in the insurance industry, it can still cause confusion.
CAA vs. YouSet Car Insurance
When you get a quote from a provider that only offers products underwritten by a single carrier, like CAA, it’s a good idea to compare prices from other providers. Brokers, such as YouSet, are particularly valuable in this case, as they consider multiple carriers to help you find the best price on car insurance.
In fact, YouSet has been making it easier for Canadians to buy car insurance online since 2017. Why spend hours manually comparing quotes when our proprietary technology can do it all for you in less than 4 minutes? Not only that, but we’ll also have Canada’s top insurance providers competing for your business, ensuring you get the best price year after year. With over 300,000 users and an average online review rating of 4.9 stars, YouSet is a car insurance broker well worth considering.
Best price year-after-year
YouSet’s algorithms are designed to do one thing – find you the best price. Not just the first time you buy either. If your price increases at renewal, we’ll alert you and even help you re-shop with another carrier.
Highly reviewed by Canadians
With an overall rating of 4.8 out of 5 stars on Google, the general consensus among YouSet users is that YouSet is making it easier to find affordable car insurance and buy it online at the best price year after year.
Transparent renewals
Anytime a YouSet car insurance policy comes up for renewal, our team will make sure you’re paying the best price possible for your policy. If that’s no longer working, we’ll help you re-shop another carrier for a better deal.
Buy, manage, and renew your policy online
How much easier would it be if you could purchase a policy, personalize it to fit your needs, make modifications to it, and renew it, all without having to make any phone calls or wait on hold? With YouSet, you can do all that and more with our self-serve features.
Mix-and-match approach to bundling
YouSet is the only digital broker in Canada that automatically compares the cost of bundling home and car insurance from a single carrier against the cost of mix-and-matching home and car carriers. Whichever option offers the maximum savings is the one we present to you.
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