Co-operators Insurance Canada 2026: Review & Senior Discounts
Updated Oct 1, 2026 | Sources: Co-operators
The Co-operators Group is Canada’s largest co-operative insurer. Average Ontario rate: $175/month – most expensive in our 2026 test, but best for seniors 65+ at $134/month with 15% discount.
Co-operators Rates 2026
| Driver | Rate | vs Cheapest |
|---|---|---|
| 35 clean Toronto | $175 | +$33 vs PC |
| Senior 68, clean | $134 | Cheapest seniors |
| With home bundle | $149 | +$7 vs PC |
Senior Discount: 15% Off at 65+
Best senior discount in Canada. Intact offers 10%, TD 8%. Plus free CARP membership ($65 value).
Co-operators vs Competitors
vs PC: PC $33/month cheaper for under 65. Co-operators wins for 65+.
vs Intact: Intact $14 cheaper, faster claims (14 vs 17 days).
Claims Excellence
J.D. Power 2026: 4.5/5 – highest in Canada. Average payout 17 days. FSRA complaints 0.5 per 1,000 – lowest. Source: J.D. Power.
Verdict
Choose Co-operators if you’re 65+ or value best claims service over price. Otherwise choose PC or Economical.