The Co-operators vs Intact: Which Canadian Insurer Comes Out on Top?

Driving Into 2025: Canadians Are Rethinking Auto Insurance

If you’re shopping for car insurance in Canada this year, chances are you’ve come across The Co-operators and Intact Insurance—two of the country’s most well-known providers.

But how do they actually compare when it comes to affordability, coverage, claims, and customer satisfaction?

Whether you’re a new driver in Ontario, a family in Alberta, or a retiree in Nova Scotia, this deep dive will help you understand which insurer might be the better fit for your needs.

Let’s break it down.

1. Cost Comparison: Who’s Friendlier to Your Wallet?

Both insurers are competitively priced, but your quote will vary depending on age, location, and driving record.

The Co-operators generally offers lower rates for multi-policy holders (like if you bundle home and auto). Their pricing is also considered stable for senior drivers and rural customers.

Intact, on the other hand, tends to be more competitive for younger drivers and those who qualify for their usage-based program, my Drive. That can mean lower premiums if you’re a safe, low-mileage driver.

Real-World Example: A 28-year-old safe driver in Calgary might get similar base quotes from both, but Intact may offer bigger discounts if they opt into telematics.

For more pricing insight: See current rate comparisons at Ratehub

2. Coverage & Customization: What You Really Get

Both insurers offer the standard menu: liability, collision, comprehensive, and accident benefits.

The Co-operators shines in flexibility — they allow policyholders to customize coverage extensively, with options like limited waiver of depreciation, roadside assistance, and even identity theft protection.

Intact also provides comprehensive options, but their strength lies in modular packages, often suggested via brokers. They’re great if you prefer speaking with a licensed advisor before tweaking your policy.

Want to learn more about what these coverage types mean? Read our primer on liability vs collision vs comprehensive coverage »

3. Discounts & Bundles: Who Saves You More?

The Co-operators: Known for multi-policy, multi-vehicle, safe driver, and mature driver discounts. They also provide loyalty rewards for long-term customers.
Intact: Offers usage-based savings (my Drive app), bundling, student discounts, and special rates for certain professionals.

Tip: If you’re comfortable with telematics tracking your habits, Intact might save you more. But if you want traditional loyalty-based savings, The Co-operators is a safer bet.

More info on discounts: Explore InsuranceHotline’s savings guide

4. Claims Process & Support: Who’s Easier to Work With?

When it comes to claims, Intact gets high marks for quick response times, especially via their broker network. They offer 24/7 claims support and strong digital claims tracking.

The Co-operators prides itself on community-focused service, with local agents across the country. If you prefer personalized guidance over phone trees, they’re a standout.

Both offer online claims filing and strong reputations—but if you value a local advisor relationship, The Co-operators may feel more approachable.

5. Digital Experience: Who’s Winning With Tech?

Both insurers have solid mobile apps and digital dashboards.

Intact’s Client Centre app allows for quick claim filing, ID downloads, and policy updates.
The Co-operators also provides a reliable app, but is more popular for in-person or hybrid digital/local support rather than full digital automation.

If you’re a digital-native driver, Intact may feel smoother. If you like talking to a human occasionally? Co-operators wins.

6. Regional Availability & Strengths

Both insurers are available nationwide, but they each have stronger regions:

The Co-operators is particularly competitive in rural areas, Quebec, and Atlantic Canada.
Intact is a top choice in Ontario, Alberta, and among urban clients using brokers.

Remember: Province-level regulations affect pricing and availability — so always compare quotes in your specific city.

Final Verdict: Which One Comes Out on Top?

It depends.

✅ Choose The Co-operators if you:

Prefer local agents and a human-first approach
Have a family or multiple policies to bundle
Want flexible coverage without telematics

✅ Choose Intact if you:

Are a younger or tech-savvy driver
Like telematics-based savings
Want fast, broker-assisted claims support

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