Auto insurance

Be prepared for whatever may be down the road. Protect your car, commercial or recreational vehicle from the unexpected.

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Types of Vehicles we insure

We offer auto insurance for most types of vehicles. Find out more about each category.

Cars, trucks and vans

Recreational vehicles

Why choose Co-operators for auto insurance?

Perks for new drivers
Get rewards if you’re a new driver who demonstrates safe driving behaviours.
Discounts to help you save
We offer discounts when you bundle your home and auto insurance, if you drive a hybrid or electric vehicle, and more. Discover all the ways you can save on auto insurance.
Accident protection
If you qualify, your premiums won’t go up after your first collision. Talk to a representative to learn more about this coverage.
Auto theft prevention
In Ontario and Quebec, we've partnered with Tag, a market-leading auto security system, and will pay a portion of your installation fee. Learn more about this partnership.
Add-ons to maximize your coverage
Bump up your protection by including coverage for rented or borrowed vehicles, protection against depreciation of your new vehicle if it’s a writeoff within 5 years of purchase and more.
Coverage you can buy online
Get insured in minutes. Just answer a few questions to get a quote and purchase directly online.
Terms and conditions apply

Online tools to help you

At Co-operators, buying insurance and managing your policy has never been easier.
Discover our online tools today.

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How auto insurance differs between provinces

When it comes to auto insurance, no two provinces or territories are alike. Whether you have a government or private insurance plan will depend on where you live. There are also different requirements for mandatory and optional coverage. Find out how auto insurance works in your province or territory.

Auto insurance is provided by the provincial government through ICBC. Visit ICBC to learn more.

Auto insurance is provided by private insurers, like Co-operators. No-fault insurance means you enjoy the convenience of working directly with your own insurance company, even if the other driver is at fault for the collision.

Auto insurance is provided by the provincial government through SGI. Visit SGI to learn more. You can purchase increased limits and lower deductibles through private insurance companies, like Co‑operators.

Auto insurance is provided by the provincial government through MPI. Visit MPI to learn more.

Auto insurance is provided by private insurers, like The Co‑operators. No-fault auto insurance means you enjoy the convenience of working directly with your own insurance company, even if the other driver is at fault for the collision.

Your public automobile insurance plan provides coverage for injury or death caused by a collision. Visit SAAQ to learn more.

You are also required to purchase at least $50,000 of third-party liability coverage from a private insurance company. Contact your local Co-operators office to purchase this coverage and build a plan that suits your unique needs.

Auto insurance is provided by private insurers, like Co-operators. No-fault auto insurance means you enjoy the convenience of working directly with your own insurance company, even if the other driver is at fault for the collision.

Auto insurance is provided by private insurers, like Co-operators. No-fault auto insurance means you enjoy the convenience of working directly with your own insurance company, even if the other driver is at fault for the collision.

Auto insurance is provided by private insurers, like Co-operators. No-fault auto insurance means you enjoy the convenience of working directly with your own insurance company, even if the other driver is at fault for the collision.

Auto insurance is provided by private insurers, like Co-operators. No-fault auto insurance means you enjoy the convenience of working directly with your own insurance company, even if the other driver is at fault for the collision.

Auto insurance is provided by private insurers. Co‑operators is available in Yukon and the Northwest Territories.

Mandatory auto insurance coverage

While insurance plans vary by province, here are the most common types of coverage you must have:

Liability

If you are involved in a collision and are held legally liable for other people’s injuries, or for damage to another person’s vehicle or property, your insurance company will pay up to the total amount listed on your policy.

Accident Benefits

This covers medical expenses not covered by a provincial health plan, plus loss of income as the result of a collision. In some provinces, you may be entitled to additional benefits if you are someone's caregiver. Not available in Quebec.

Uninsured Automobile

This coverage protects you and your family if you are injured or killed by a hit-and-run driver or an uninsured motorist. It also covers damage to your vehicle caused by an uninsured driver. Coverage is not available in Quebec. Vehicle damage is not covered in Alberta, Yukon, and the Northwest Territories.

Direct Compensation Property Damage

This covers the cost of loss or damage to your car in a collision for which you were not entirely responsible. Available in Alberta, New Brunswick, Nova Scotia, Ontario, Prince Edward Island and Newfoundland.

Top up your coverage

You may want additional coverage to be sure you’re fully protected in case of a theft or damage. Here are some coverage options to consider:

Collision

You are covered for the cost of repairs or the actual cash value of your vehicle in the event of a collision subject to your deductible.

Comprehensive

You are covered for losses to your vehicle other than those covered by Collision. Some examples include vandalism, falling or flying objects, and theft.*

All Perils

All Perils combines Collision and Comprehensive coverage and protects your vehicle against theft by a person who lives in your household or an employee.

Specified Perils

This covers you for specific perils such as fire, lightning, theft*, windstorm, earthquake, hail, explosion, riot, and more.
*Comprehensive and Specified Perils do not 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.

Get additional optional coverage

For extra protection, add the following to your insurance policy:

Accident Protection

If you qualify, the first collision on your policy won’t affect your insurance rates. In Quebec, this coverage is included in the provincial coverage plan, but not available separately.

Loss of Use

If your vehicle is damaged in a collision, stolen or destroyed, this endorsement covers the costs of temporary transportation, such as renting a vehicle or taking a bus.

Legal Liability for Damage to Non-owned Automobiles

This endorsement may cover you if you damage a vehicle you don’t own while it was in your care and control, such as a rental vehicle.

Family Protection

Receive additional benefits if you’re involved in a collision with a driver who doesn’t have enough coverage to pay a claim for injury or death.

Limited Waiver of Depreciation

This coverage protects against the loss of value or depreciation of a new vehicle if, as a result of a collision, your vehicle is beyond repair and must be replaced. This coverage is available up to the first five years of a vehicle lease or ownership.

Additional coverage

You can also buy insurance for a stereo or other components installed in your vehicle.

Auto insurance resources

How to reduce the risk of auto theft

What should I do if I’m in a collision?

How to save on car insurance

Talk to us today

Call or meet with us to find the right auto insurance solution for you.
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