Before we wrote this article, we checked how the program actually prices, ran the savings against the average Ontario premium from MyChoice’s own quote database of more than 50,000 collected quotes. You’ll leave knowing how the program works, how much you can save, and where the mileage math stops working in your favour.
What Is CAA MyPace?
CAA MyPace is a usage-based auto policy that charges a fixed base rate plus a per-1,000-km charge and is priced solely on distance, not on how hard you brake or how fast you drive (CAA).
It is built for drivers who drive under 12,000 km a year. CAA says that your savings scale with how little you drive. It is roughly 70% at 1,000 km, about 50% on average, and little to nothing once you approach the 12,000-km ceiling.
What Does it Cover?
CAA MyPace includes the same coverage as any other CAA Ontario auto policy. It only changes how you pay, not what’s covered:
- Third-party damage you cause to another person or their property
- Injuries to you or your passengers, regardless of fault (Accident Benefits)
- Damage to your vehicle if another driver is at fault (Direct Compensation for Property Damage)
- Theft of your vehicle or its equipment, if you’ve added optional Comprehensive coverage
How CAA MyPace Works
CAA MyPace charges a monthly or up-front base rate. As with most pay-as-you-go insurance programs, CAA MyPace offers the following model:
- Pay-as-you-drive: your premium is set by the kilometres you actually drive, billed in 1,000-km increments on top of a fixed base rate. MyPace does not monitor speed, braking, or time of day.
CAA MyPace uses a plug-in device installed in the vehicle’s OBD-II port to record kilometres driven, while the mobile app allows you to monitor your usage.
The app measures payments every 1,000 km, though these statistics might change depending on whether you add a driver, adjust your coverage, or move to a new location. The MyPace app uses an onboard GPS antenna and accelerometer to collect this data and may take a second to update if you’re driving underground.
How Much Can I Save?
Here’s what CAA itself publishes for savings by annual distance. Your base rate and per-1,000 km charge are calculated individually based on your driving record, vehicle, and location, as tracked by their device.
| Annual Distance | Published Savings vs. a Traditional Policy |
|---|---|
| 1,000 km | Up to 70% |
| 2,000 km | Up to 60% |
| 5,000 km | Up to 30% |
| 6,000 km | Up to 25% |
| Average across low-mileage drivers | ~50% |
| 12,000 km (program cap) | Minimal savings. At this point, a traditional policy is generally the better option. |
How Much Does CAA MyPace Cost?
When you apply for a MyPace policy, you’ll have to pay a base amount to cover your car when it isn’t in use. This usually ranges between $350 and $900 per year, depending on your driving record and the car you drive.
Then, you’ll start paying for 1,000 km increments online or at any CAA Store. Most of these charges occur automatically.
The costs below are calculated by applying CAA’s stated maximum savings percentages to the $2,132 average annual premium for an Ontario driver with a clean driving record and a long, continuous insurance history. Actual premiums and savings will vary.
| Kilometres driven per year | CAA savings vs. a traditional policy | Average Annual Cost |
|---|---|---|
| ~1,000 km | Up to 70% | ~$640 |
| ~2,000 km | Up to 60% | ~$853 |
| ~3,000 km | Up to 50% | ~$1,066 |
| ~6,000 km | Up to 25% | ~$1,599 |
| ~12,000 km or more | Little to none | ~$2,132 |
Is the Program Worth It?
Pay-as-you-go insurance programs like CAA MyPace are worth it if you are a low-mileage driver. In addition, low-mileage drivers may benefit the most from this program, regardless of their risk profile.
The whole decision comes down to one number – your honest annual mileage. Track it for a month, multiply by 12, and if you land comfortably under 12,000 km, MyPace is likely to beat a flat-rate policy. The deeper below that line you are, the bigger your savings will be. If you’re near or over it, or your driving is seasonal and unpredictable, you should price a standard policy against MyPace before you switch.
Enrolling In CAA MyPace
You can enroll in CAA MyPace by contacting a CAA insurance agent or visiting CAA Stores at various locations. Potential CAA MyPace members can also quote their insurance rates online.
If you qualify, MyPace will calculate your rate based on factors like your driving record, years of driving experience, and how far you travel.
Eligibility Requirements
To qualify for CAA MyPace, you must meet the following eligibility criteria:
- You drive less than roughly 12,000 km/year, the distance below which MyPace is designed to save you money
How To Use CAA MyPace
If you are eligible to enroll in CAA MyPace, you’ll receive a package containing your auto insurance policy and MyPace device.
To install the device in your vehicle, simply plug it into your OBDII port. You’ll know the device is working once it lights up briefly.
For the device to transmit information, you’ll need cellular data. Avoid removing the device too frequently, as this can lead to the cancellation of your plan.
CAA MyPace requires installing the device within 48 hours of receiving it to avoid being removed from the program.
Once you install the device, you’ll have to download the CAA MyPace app on your mobile phone or log in from the desktop portal. To download the CAA MyPace app on your smartphone, follow these steps: