Auto insurance
Get dependable car insurance for wherever the road takes you.
Auto insurance that puts you first
*Some restrictions apply
Types of vehicles we insure
We provide coverage for:
- Personal vehicles used for everyday activities, like commuting to work or driving your kids to school
- Business owners, like realtors, who use their personal vehicles for commuting
Your special ride deserves special coverage. We provide insurance for vehicles that are:
- Usually at least 25 years old, are well-maintained and are kept or restored to its original condition
- Not used for regular transportation
- Used for shows, parades, exhibitions and club-related events
Do you drive for a ridesharing service like Uber, or a food delivery app like Uber Eats? Get coverage when you’re offline and using your vehicle for personal reasons. ‡ Coverage varies across Canada.
‡While logged into the app, you’re covered through your company’s commercial fleet policy.
Accepted ridesharing services
- Alberta: Lyft, Uber
- Saskatchewan: Uber
- Ontario: ecoRIDES, Facedrive, Lyft, RideCo, Uber, Uride
- Quebec: Eva, Uber
- Nova Scotia, New Brunswick and Prince Edward Island: Uber
Accepted food delivery apps
- Alberta: Corner Shop, Uber Eats
- Ontario: Corner Shop, Uber Eats
- Nova Scotia: Uber Eats
Keep your business moving forward with the right coverage.
Take the road less travelled with flexible coverage built around your lifestyle.
Ride safe with customizable coverage designed around your needs.
Get our best price for the coverage you need
Here’s how you can save on auto insurance:
Install an anti-theft device
Having a professionally installed auto protection device like Tag can lower your premiums. As part of our anti-theft program, we’ll pay a portion of your installation fee for a Tag anti-theft device, depending on where you live.
Ask about our discount for hybrid and electric vehicles
Insure more than one vehicle with us
Bundle your policy with home insurance
Also shopping for home insurance? Combine it with your auto policy and get preferred rates.1
Take advantage of group insurance
Does your employer offer group auto insurance from us? Group members can save up to 40% when they switch to Co-operators.
Maintain a clean driving record
There are so many ways you can save on your car insurance. You may qualify for a discount if you:
- Completed a driver training course, and your licence is in good standing
- Are 55 or over and have a clean driving record
Explore our coverage
Mandatory coverage
In Canada, your minimum coverage depends on where you live. Find out how auto insurance works where you live. Here’s a quick look at some of these types of coverage:
Extra coverage
Want added peace of mind? You can increase the amount of coverage on your vehicle, or you can add on additional coverage. Options vary by province. Here are some optional types of coverage to explore:
Accident Protection
All Perils
Collision
Comprehensive
Depreciation Protection
Loss or damage to your automobile and equipment
2 Comprehensive doesn’t insure your car against theft if a member of your household steals your car, or if an employee whose job involved using or maintaining the car steals your vehicle.
Not sure what kind of coverage you need? We can help. With more than 600 locations across Canada, a financial representative is ready to chat when you are.
Manage your policy online
Get access to your auto policy from anywhere, at any time. With Online Services you can:
- Add your auto insurance liability slip (pink slip) to your mobile wallet
- Update your policy
- Submit and track your claims with ease
Make a claim
When it comes to claims, we’ll do everything we can to take care of you. We’ll help you get through the process as quickly as possible and be there every step of the way.
Submit a claim online
Chipped or cracked windshield or window?
No need to make a claim
Simply show your insurance certificate at an approved shop.
Make changes to your policy
Do you need to add, store, remove or replace a driver or vehicle on your auto policy?
Resources to help protect your car
That depends on the country and licence type.
Connect with a financial representative to talk about your driving experience
Still have questions?
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Planning a big trip? Before you hit the road and fill up on fun, check out our road trip safety tips.
Discover more coverage
Talk to us today
1 All bundled savings are based on filed discounts and rates. Savings vary based on each individual’s insurance profile and are not guaranteed. Savings vary by province. The advertised bundled offer includes a welcome discount for new home and auto insurance clients, a claim free discount for home insurance clients and a conviction-free rating (in ON) or conviction-free discount (in NS, AB, NB and QC) for auto insurance clients. For home insurance clients, the welcome discount is available only for homeowners (excluding condominiums, mobile homes, seasonals and rented properties). The conviction-free rating or discount is available on private passenger vehicles and requires all drivers to have no minor/major and/or serious/criminal code convictions and no demerit suspensions in the preceding 3 years. Certain conditions, limitations and exclusions may apply. To be eligible for the claims free discount, you must have been with your current provider for a period of 5 years. If you have not been with your current provider for 5 years, you must be claims free with your other providers for the preceding 5 years. Contact a licensed Co-operators representative for detailed information about how savings could apply to you.