Compare The Co-operators car and auto insurance quotes with other top insurance companies. Find the best price.

On average, Canadians save hundreds of dollars per year by comparing quotes with us.

Get quotes from 50+ Canadian providers in 3 minutes.

Get quotes from 50+ Canadian providers in 3 minutes.

Learn more about The Co-operators Canada car insurance.

The Co-operators’ corporate philosophy puts fairness first. The brand’s reputation is based on this philosophy.

The Co-operative Life Insurance Company was founded by farmers from Saskatchewan, Quebec, Ontario and the Atlantic provinces in 1945. The company’s founders were disillusioned by big business after surviving the Great Depression. The hardships they experienced motivated them to found a new kind of insurance company, one based on a co-operative model. Headquartered in Guelph, Ont., The Co-operators is fully Canadian-owned.

The Co-operators’ auto insurance business structure differs from a for-profit insurance company in a few key ways. Policyholders are co-op members and can vote on the company’s direction at its annual general meeting, among other privileges. “Every member has an equal voice,” is a company motto. 

Most importantly, when a profit is made, it’s distributed to the co-op’s members. The Member Loyalty Program pays members out in a way that’s proportionate to the amount of business they do with them. For example, for someone who has a home and auto insurance policy with The Co-operators, the payout could come in the form of fees being waived.

Want to see how other car insurance companies compare against The Co-operators for car insurance? Get quotes online from 50+ Canadian insurance providers on LowestRates.ca today. 

 

Consumer reviews for The Co-operators.

ProvinceUser satisfaction rating
Alberta

 

 

 

 

 

Atlantic

 

 

 

 

 

Ontario

 

 

 

 

 

Quebec

What other insurance products does The Co-operators offer?

Along with insurance for most types of vehicles (motorcycles, mopeds, ATVs, motorhomes, snowmobiles, trailers, some unmodified antique autos and commercial and farm vehicles and fleets), The Co-operators offers several other kinds of coverage for individuals and businesses.

Home and property insurance: Policies for your home, condo, seasonal home (including cottages and mobile homes) or rental unit, plus boats and trailers. Coverage includes property, liability and personal belongings, with optional add-ons available. Renters can choose from “Classic” insurance or “Prestige,” if they want a higher coverage level for their belongings.

All standard home insurance policies with The Co-operators include some “extras” such as unauthorized credit and debit card use, expenses related to identity fraud and your personal property during a move.

Travel insurance: There are packages tailored to the needs of Canadians travelling or living abroad, and even to cover any gaps in provincial health insurance coverage for expats returning to Canada. There are also plans for visitors to Canada, including special packages for international students and long-term “Super Visa” stays that require proof of health coverage from a Canadian insurer. Plans covering business travel are also available.

Life insurance: A variety of different term and permanent life insurance options, plus disability, critical illness and mortgage insurance.

Business insurance: Coverage for a range of different business operations, including farms, cooperatives and nonprofits. Coverage for home-based businesses is offered as an extension of your home insurance policy. The Co-operators also offers group auto and home insurance plans and group benefits and retirement packages for organizations.

The Co-operators car insurance advantage.

Discounts

The Co-operators Insurance Canada provides its members with a number of ways to save on auto insurance.

  • Get a discount when you bundle two or more insurance policies with The Co-operators (home and auto is a common combo).
  • In standing with its socially-conscious ethos, The Co-operators offers automatic discounts to policyholders seeking to insure hybrid cars.
  • If you belong to a professional, business or alumni organization, you may be eligible for even more discounts with The Co-operators. You might also qualify if your employer offers group insurance.
  • If your driving record has been free from accident and traffic violations for a certain number of years, The Co-operators will offer you a lower premium compared to a driver with a patchier one.

There are even more ways to save on insurance: install an anti-theft device in your car; insure more than one vehicle with The Co-operators; have more vehicles and fewer drivers; renew your insurance with The Co-operators, and lastly, use winter tires during the winter months.

Special programs

En-route Auto Program:  The Co-operators’ telematics program is called the en-route Auto Program. Telematics is also known as usage-based auto insurance, and it’s offered by most insurers. The en-route Auto Program uses a wireless device to collect information about your driving, like your braking and acceleration and the distance you travel (among other factors). This is a voluntary add-on. By signing up, you’ll immediately save 5% off your annual premium. If you demonstrate good driving habits for an entire year, you could qualify for a discount of up to 25%. The discount will be applied to your account when you’re up for renewal. One downside is that the device is not compatible with vehicle models made before 1997, or certain vehicle makes and models.

Is there an app?

Yes, there is. The Co-operators’ app is available for Android or iOS. It allows you to file a claim, view your policy and billing documents, get a quote and find an advisor, all from within the app. Once you purchase a policy with The Co-operators, you will get login credentials that will allow you to access the app.

How to submit a claim with The Co-operators

If you’re considering making a claim, but you’re not sure you really need to, The Co-operators guarantees access to a claims agent who can answer your questions and help you decide. Your premium will not increase, nor will your inquiry impact your policy in the future.

There are several ways to start a claim with The Co-operators, but the first step is contacting your Co-operators financial advisor. You can do this by phone or through the app. Below are the numbers to file an insurance claim with The Co-operators. 

 

Phone number for The Co-operators car insurance claims line:
1-877-682-5246
 
To contact The Co-operators insurance claims line in Quebec:
1-877-594-2667
 
File through the app:
The Co-operators' app, available for iOS and Android, allows you to file claims on your smartphone.
Hours of availability:
The above phone numbers for The Co-operators insurance claims line are staffed 24-7, all year-round.

Join the millions of Canadians saving money on auto insurance

The first rule of saving money is to shop around for the best price. Make sure you’re not overpaying for car insurance by comparing insurance providers before you settle on one. LowestRates.ca makes comparing multiple auto insurance companies a snap. We don’t sell insurance — we’re completely independent — but we can show you which insurer is offering the lowest price. Just enter your postal code and in 3 minutes we’ll show you rates from 50+ Canadian insurance providers. Best of all? It’s free.

How comparing auto insurance quotes works. Hint: it’s free!

Compare

Next, we’ll show you quotes from 50+ Canadian providers. It’s free, with no commitment.

Save

When you find the best quote, secure your rate by talking to a licensed broker or agent.

Get Started

22,522 Canadians

have compared rates and saved money over the last 24 hours

What people say after comparing rates on LowestRates.ca:

Excellent
Based on 454 reviews
June 28
Great option for reviewing insurance rates!
Web site super easy to use. Quotes almost instantaneous. Follow up call with Ga...
Tom S
June 28
Very helpful Excellent customer…
Very helpful Excellent customer service Thank you. Eberhard. N
EberhardNolke
June 27
Very helpful
Very helpful
Ernest Basford
June 26
Definitely recommend lowestrates.ca!
Website is very easy to navigate and all details are provided and explained clea...
Abe
June 24
Excellent
The team was very quick and helpful with all of my questions
Peter NHilliard
June 23
Excellent opportunity
Excellent opportunity to explore and compare insurances rates. It was easy and I...
Roberto
June 22
Best experience!
Exc, friendly customer service!
Pamela D.
June 22
I was very impressed with both…
I was very impressed with both gentlemen that I spoke with. They were very frie...
Veronica AnnComan
June 22
This must be one of the quickest…
This must be one of the quickest response I have received online, with a super f...
JulietOdunmbaku
June 21
Good job with the speed of a service
Good job with the speed of a service
Horace George Yeo
June 18
Fast service
I was on line researching home and auto insurance, at one point I clicked on the...
T. Thompson
June 18
Great website First place I go to for…
Great website First place I go to for insurance quotes
Robert McMenemy
June 18
saving money
Interested with the results
cameron snider
June 15
prompt and diligent
prompt and diligent
YaronPerlman
June 6
Car insurance
Stephanie was amazing and help me set up my car insurance for my new are ill be ...
Samantha Testa
June 6
It's simple
It's simple. I applied on line, answered to the best of my knowledge and hit sub...
Antonio Romanini
June 4
Very impressed with their quick…
Very impressed with their quick response. Within the next day I had an appointm...
James Hodge
June 3
Nice
Nice And thank for insurance
Ngan huuLe
June 3
Great service
Quick and easy application, followed by immediate response from the Lowest Rates...
CaseyO'Brien
June 2
Good service
Good service, recommend look for better rates
YJC
May 30
Spoke to a broker about insurance…
Spoke to a broker about insurance broker who gave me a great quote for my home a...
Ruth
May 28
I used lowestrates to find great rates…
I used lowestrates to find great rates for both my car insurance and for renter'...
Alexandre Williot
May 28
This website was incredibly helpful
This website was incredibly helpful. My current home and auto insurance has gone...
Ashley
May 18
Sandra was amazingly personable
Sandra was amazingly personable, efficient and knowledgeable. Kudos! A great ser...
Rachel Constantine
May 18
Lowest Insurance rate I have ever comes…
Lowest Insurance rate I have ever comes across. My broker Tracy is easy to talk ...
Abel Pat
May 17
I have had a good expierience with the…
I have had a good expierience with the insurance agent, but I need more time to ...
Earl Thompson
May 13
Car and home insurance
It was great experience and very helpful for what I needed!!!!
Maria GEstrela
May 12
Love the experience
I was able to save a lot in my auto insurance. Initial online process was fast. ...
Mohammad Saiful Islam
April 19
Friendly and professional service
Friendly and professional service; great and affordable rates. Saved 700 annuall...
Azeee
April 13
Fast call back regarding my auto…
Fast call back regarding my auto insurance quote Thank you
VERGINIOCASTELLANO

*LowestRates.ca is not an insurance brokerage.

Alexandra Bosanac

Alexandra Bosanac

About the Author

Alexandra Bosanac is the Core Content Manager for LowestRates.ca. Her reporting has appeared in Canadian Business, the Toronto Star, the National Post, and the CBC.

Read More

Auto insurance news

Read More Like This