CAA Connect

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Written by Kayla Jane Barrie Updated on September 11, 2025 min read

Get rewarded for driving safely with the CAA Connect program

You be rewarded for driving safely, and CAA Connect can help you do just this. CAA Connect is a usage based insurance program that helps you save money on Ontario car insurance by rewarding you for safe driving practices.

Drivers can save up to 15% by taking part in the program. You can control how much you save by improving your driving habits. The safer you are, the more you can save.

Receive a one-time 5% enrollment discount just for signing up!

Get a quote online for CAA Connect or speak with a ThinkInsure advisor and see how much you could save. Keep reading to learn all about CAA Connect and how you can get it.

The top 3 things to know about CAA Connect:

You can save up to 15% on your policy by using CAA Connect.
The average annual rate for CAA Connect in 2025 is $2,198
You can save 5% on your premiums just for signing up.

What is Connect from CAA?

The Connect program is offered by CAA Car Insurance. It’s an optional plan that uses telematics to track your personal driving habits. It works similarly to other UBI insurance products. You’ll receive premium discounts in exchange for driving safer. The better you drive, the more you will save.

What are the benefits of the CAA Connect program?

CAA Connect provides you with several opportunities to lower your insurance rates:

Save 5% on your CAA insurance premiums just for signing up.
Save up to 15% in discounts upon renewal after one year.
Get additional discounts based on your driving habits. You can save more by not speeding, avoiding driving between 12 am and 4 am, and driving less than 12,000 kilometres per year.
All these savings are in addition to the other discounts CAA already offers.
If you are a CAA member, your discounts could be up to 20%.

How to get CAA Connect insurance

Start by getting a quote for CAA Connect and compare it against other top providers. If you like the price we'll get you insured quickly and enrolled in the CAA Connect program.

1) Start your quote

Enter your postal code and some basic information.

2) Enter your driving details

Provide your driving and vehicle information.

3) Compare quotes

See rates from CAA and the leading insurers.

Choose your policy

Confirm the details with our experts and get insured.

Get Started

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Raghav Gupta

2025-08-11

I am pretty happy with their services. This my second year through them and I came across an agent Anuraag Jassal Web Customer Service Broker He is the best advisor I ever talked to in my last 7 years of experience. He reviewed my policies and helped me correct some errors which has decreased my premium to almost half. He helped me understand how to read our policy correctly and went over different clauses in detail while deciding on buying a new car etc. I wish there was a way to go and personally meet him as I am going through a rough patch and all the help he has given me in the last month on multiple matters is just amazing. He is actually doing his job and seems like he loves it. Thanks Anuraag Jassal.

Pina Battaglia

2025-08-06

Sohel was amazing. Made the initial process quick and seamless. Very knowledgeable, courteous and friendly.

Ma emma Bergonio

2025-08-05

Sohel is very helpful when it comes to finding the best rate and coverage.

Galit Moroz

2025-08-02

I highly recommend Todd as an insurance broker! He was incredibly helpful, always quick to respond to my questions, and ensured I found the best car insurance to fit my needs. His expertise made the process smooth and stress-free.

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2025-07-31

Had the pleasure of working with Dylan. He goes above and beyond. He is so non-judgmental and super helpful. I highly recommend requesting his help when inquiring.

Mason Khoury

2025-07-27

Dealt with Dylan S, who was able to secure me a phenomenal insurance quote within 48 hours of my renewal deadline (current policy was through ThinkInsure). This lad is amazing at what he does, no other way to put it! I have been dealing with ThinkInsure since I was a student in post secondary & they’ve always done their best to make sure I had an affordable policy. If you want an insurance broker who actually goes the “extra mile” & doesn’t simply brush you off as another sales lead, I’d look no further. They’ve got my business for the foreseeable future 🤘🏻

Zack Rowe

2025-07-20

Dylan was great and able to get me on the road

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2025-07-17

I recently dealt with Sohel Rahman for my car insurance. I highly recommend him. I appreciated his professionalism and his patient. My situation was difficult but he was truly dedicated to finding me the fastest and best possible vehicle's coverage. Natalia

How does CAA Connect work?

CAA Connect is easy to use and how it works is simple. It is available to all drivers with a CAA policy. It customizes your insurance rates based on your driving habits. It assesses:

Acceleration
Braking
Time of day when you drive

The device collects this data and scores your driving habits. You can view your driving data through the app or online through the CAA Connect website. The device does not use your location, so you can drive anywhere in Canada. You can use your smartphone to connect to the device and monitor your scores and driving habits. You can also use the CAA Connect online portal to see your data.

How to get the CAA Connect device and check your driving data

Once you have enrolled in the CAA Connect program you just need to do a couple more things to get started:

1) Install the CAA Connect device

Installing CAA Connect into your vehicle is simple. Follow these steps:

Sign up via CAA or by using a broker.
You’ll receive a welcome package with your plan details.
You’ll receive a device and installation instructions.
Plug the device into your vehicle's OBDII port.
Call to activate the device.
The device will start to track your driving habits.
Visit the CAA Connect login portal or app to check your driving data.

Access the CAA Connect online portal here.

2) Get the CAA Connect smartphone app

CAA Connect allows you to access the program on your smartphone using an app. It’s available on iPhone (App Store) and Android (Google Play). Here is how you get it:

Search for CAA Connect in your app store.
Download and install the app.
Follow the installation instructions.
Open the app.
Sign up or log in.
Add your insurance policy number.
You can check your driving data and use other features.

How much does CAA Connect cost?

There is no fee to sign up for CAA Connect. You’ll save money just by enrolling. You’ll receive an instant 5% discount on your first year's premiums. Once you have a policy for a year, you are eligible for savings up to 15% based on your driving behaviours.

Get a car insurance quote today with ThinkInsure for CAA Connect and see how much you could save!

How much does insurance cost with CAA Connect?

CAA Connect insurance costs an average of $2,198 annually in 2025. Your driving habits, record, location, and past infractions significantly affect your UBI program premiums. Safe driving is essential for lower costs and road safety.

CAA Connect rates per year

Average annual premiums for CAA Connect coverage have steadily increased from $1,764 in 2022 to $2,198 in 2025. This is consistent with insurance premiums in general.

This represents a rise of $434 over the four-year period. The largest jump occurred between 2024 and 2025 ($144), exceeding the increase between 2022 and 2023 ($92) and 2023 and 2024 ($198).

Year	Average annual premium
2025	$2,198
2024	$2,054
2023	$1,856
2022	$1,764
Average rate (2022-2025)	$1,968

CAA Connect rates by driver types

We looked at customer data from 2024 and part of 2025 and found that drivers pay about $2,057 per year or $171 per month. Male drivers pay $176 a month compared to females who pay $164 monthly. Drivers with one accident in three years can expect to pay more for coverage ($261 monthly) compared to drivers who have no accidents.

	Premium	Monthly
Driver type
All drivers	$2,057	$171
Young drivers (25 and under)	$2,996	$250
Middle age (26 - 50)	$2,230	$186
Mature/senior drivers (50+)	$1,715	$143
High risk drivers	$5,998	$500
Demographics
Male	$2,107	$176
Female	$1,967	$164
Married	$2,071	$173
Single	$2,071	$173
Driving record
Clean driving record	$2,057	$171
1 ticket within the past 3 years	$2,420	$202
1 accident in 3 years	$3,134	$261
1 cancellation in 3 years	$2,740	$228
1 suspension in 3 years	$2,804	$234

CAA Connect rates per city

The three cheapest locations for coverage with CAA Connect insurance in Ontario are St. Catharines with an average annual premium of $1,570 ($131 monthly), Ottawa at $1,531 annually ($128 monthly), and Burlington at $1,713 annually ($143 monthly).

These cities offer significantly lower premiums compared to more expensive areas like Brampton ($3,040 annually, $253 monthly) and Markham ($2,732 annually, $228 monthly).

City	Avg Premium	Monthly
Ontario	$2,057	$171
Toronto	$2,357	$196
Ottawa	$1,531	$128
Hamilton	$2,063	$172
Mississauga	$2,420	$202
Kitchener	$1,784	$149
Brampton	$3,040	$253
Guelph	$2,097	$175
Markham	$2,732	$228
Barrie	$1,867	$156
Oshawa	$2,087	$174
Burlington	$1,713	$143
St. Catharines	$1,570	$131
Newmarket	$1,926	$161
Richmond Hill	$2,423	$202
Milton	$2,044	$170
Cambridge	$1,987	$166
Oakville	$1,760	$147
Whitby	$1,866	$157
Ajax	$2,173	$181
North York	$2,731	$228

CAA Connect FAQs

Should I get CAA Connect?

CAA Connect is a great way for you to receive additional car insurance discounts. If you are a safe driver and have a clean record, this program can help reward you for your driving behaviours.

Are all vehicles compatible with the CAA Connect device?

No. The device is not compatible with vehicles that were manufactured before 1997. Some makes and models do not qualify for the program. This includes electric vehicles and some diesel vehicles.

So I need a smartphone to be part of the CAA Connect program?

No. You can access your driving data and status by logging into the CAA Connect online portal. If you have a smartphone, you can use it to access Connect via the app.

Can I cancel CAA Connect at any time?

Yes. If you choose to do so, you can opt out of the program anytime. Upon opting out, you will lose your enrollment discount and other applicable discounts related to the Connect program. If this program is not for you, consider CAA MyPace.

Can more than one vehicle sign up for CAA Connect?

Yes. If you have more than one vehicle insured by CAA in your home, all vehicles require a Connect device to be installed.

Will my rate increase with CAA Connect?

CAA Connect mentions that your rates will not be increased by enrolling in the program. At renewal, the data collected is only used to qualify you for additional discounts based on your safe driving habits and your ongoing participation in the program. Their focus is on recognizing and rewarding drivers who demonstrate safe driving habits consistently.

Get a quote for CAA Connect

Get rewarded for being a safe driver. Sign up for CAA Connect today and save on your premiums. Contact our insurance experts today to see if this program is ideal for you.

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Sources

* Based on the difference between the average lowest premium and the overall average premium for estimates completed from January 1, 2024, to April 15, 2025, for drivers with a clean driving record.

** Estimated prices are based on data entered by drivers with a clean driving record on ThinkInsure.ca from January 1, 2024, to April 15, 2025.

*** Customer quotes data entered for each year by drivers with a clean record from Ontario and G licence.

Kayla Jane Barrie

Digital Content Writer

Kayla-Jane has been a content writer with ThinkInsure since 2020. She creates insurance content for auto, home, and commercial. Kayla-Jane has a diploma in Journalism.

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2025-09-08

Safe drivers can save big on insurance with CAA Connect. Get a quote today!

Compare quotes from the leading providers

Get rewarded for driving safely with the CAA Connect program

The top 3 things to know about CAA Connect:

What is Connect from CAA?

What are the benefits of the CAA Connect program?