Aviva vs The Co-operators: A Detailed Car Insurance Comparison
- Jonathan Carter
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When it comes to finding the right car insurance in Canada, two names come up time and time again: Aviva and The Co-operators. Both are industry giants, offering decades of experience, trusted reputations, and a wide range of coverage options. But which one truly delivers better value for Canadian drivers in 2025?
In this post, we’ll break down everything from pricing and policy flexibility to digital experience and discounts — so you can confidently decide which insurer better fits your lifestyle and budget.
🚗 Pricing Breakdown: Who’s More Wallet-Friendly?
While both companies offer competitive pricing, the answer to “who’s cheaper” isn’t one-size-fits-all. Rates are heavily influenced by your province, age, vehicle type, and driving history.
Aviva tends to be more flexible in urban centres like Toronto and Vancouver, especially for drivers bundling home and auto insurance. On the other hand, The Co-operators often shines in smaller cities or rural communities, where local agent relationships help secure tailored discounts.
🔎 Pro tip: A 30-year-old safe driver in Ottawa might get a better quote from Aviva, while a family in Kelowna could save more with The Co-operators.
Want a better sense of how rates differ across Canada? More info here.
🧾 Coverage Options: What’s Under the Hood?
Both Aviva and The Co-operators offer all the standard options:
- Liability
- Collision
- Comprehensive
- Uninsured motorist protection
- Accident benefits
But it’s the extras where things get interesting.
Aviva Highlights:
- Disappearing deductible (your deductible shrinks every year you go claim-free)
- Accident forgiveness
- Temporary vehicle replacement
- Coverage for rideshare drivers (Uber, Lyft, etc.)
The Co-operators Highlights:
- “En-route” usage-based insurance, which rewards safe, low-mileage driving
- Strong coverage options for farmers and rural drivers
- Optional guaranteed replacement cost for new vehicles
Aviva is all about customization and digital tools. The Co-operators leans into community-driven coverage with personal support through local advisors.
💰 Discounts: Who Helps You Save?
Let’s talk deals. Both companies offer multi-policy and multi-vehicle discounts, but they don’t always treat them equally.
Aviva:
- Excellent bundling discounts (especially if you add tenant or home insurance)
- Safe driver incentives
- Green vehicle discount
- Loyalty rewards
The Co-operators:
- Student and senior driver discounts
- Group rate programs via employers or associations
- Higher discount tiers for low-mileage or rural drivers
If you have a clean record and like to tweak your policy online, Aviva may give you the edge. If you’re looking for group or regional discounts — especially in Quebec or Alberta — The Co-operators might come out on top
📱 Claims & Digital Experience
Tech-savvy? Here’s how they stack up.
- Aviva has a strong mobile app and user dashboard where you can file claims, view policies, and make changes in real-time. Their online quote tool is sleek, fast, and accurate.
- The Co-operators leans on personal service via agents but is quickly catching up digitally. Their app is improving and works well for claim tracking, but many users still prefer talking to a real person.
Customer satisfaction reviews show both providers are well-rated, with The Co-operators getting high marks for personal service, while Aviva leads in digital convenience.
👤 Who’s the Better Fit?
It really depends on your lifestyle:
- Aviva is great for: digital-first drivers, urban professionals, renters and homeowners who want to bundle policies.
- The Co-operators is ideal for: families, retirees, rural drivers, or those who prefer speaking with a local advisor.
Both are excellent providers — just with different strengths.