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ON Home Insurance/CAA Insurance

CAA Insurance Home Insurance in ON (2026)

ON provincial champion

Pay-per-km MyPace for low-mileage drivers

CAA Insurance is a ON provincial champion: Pay-per-km MyPace for low-mileage drivers. CAA MyPace is Ontario’s leading pay-per-kilometre auto product: drivers under ~9,000 km/year can save up to 50% versus a traditional policy. CAA also bundles roadside assistance with insurance, and its ON auto approval trend is mildly negative (-0.12%, 2026-12).

Type
Not-for-profit auto club association
Channel
Direct & membership
Founded
1913
AM Best
AM Best A

CAA Insurance Home Insurance estimates

By coverage
Le prix de l’assurance dépend fortement des informations de souscription (antécédents, dossier de conduite, détails du bien…); la prime réelle se situe généralement dans la fourchette estimée.

Key discounts

✓MyPace pay-per-km: up to 50% for <9,000 km/yr
✓CAA membership bundle (insurance + roadside)
✓Winter tire & multi-vehicle discounts
Pros
  • +Up to 50% savings for low-mileage drivers
  • +Transparent pay-per-km model (base + 1,000km blocks)
  • +Roadside assistance bundled with insurance
Things to consider
  • −Not suitable for high-mileage drivers
  • −Requires mileage tracking (app / OBD)
  • −Best value assumes membership

What the data says

3,000 km/yr driver can save 50%+ vs traditional policy
pointA pay-as-you-go · 2026-06
Targets <9,000 km/yr with up to 50% savings
RIDEZ telematics guide · 2026-02
ON auto approval -0.12% (effective 2026-12-01)
FSRA rate approvals · 2026-07

FAQ

Who should choose CAA MyPace?

Drivers logging fewer than ~9,000 km/year — city commuters, transit users and seasonal drivers — who want to pay for actual distance rather than a flat premium.

Does CAA sell home insurance in Ontario?

Yes, CAA offers home, condo and tenant insurance in Ontario, often with member discounts.

Other ON provincial champions
Co-operatorsEconomical / Sonnet
Other lines from CAA Insurance
Auto InsuranceCondo InsuranceRenters Insurance

Price ranges are rate-table estimates based on public industry data and regulatory approval trends; final premiums are subject to carrier underwriting.