When it comes to choosing the right car insurance provider in Canada, Aviva is a name that often comes up. Known for its extensive coverage options, competitive rates, and strong customer service, Aviva has been a trusted insurer for many Canadian drivers. In this Aviva Car Insurance Canada Review 2025, we will take a deep dive into the company’s offerings, strengths, weaknesses, and pricing to help you decide if it’s the right choice for your needs.
Aviva operates in multiple provinces across Canada, providing flexible policies tailored to different driving habits and budgets. Whether you’re a new driver, a seasoned motorist, or someone looking for comprehensive protection, Aviva has various plans to consider. This review will explore the key aspects of Aviva’s car insurance, including its pros and cons, customer feedback, and how it compares to other insurers in the market.
Aviva Car Insurance Canada: Company Overview
Aviva Canada is one of the country’s leading property and casualty insurance providers, offering auto, home, and business insurance. With a history dating back over 300 years (globally), Aviva has built a strong reputation for reliability and financial stability. In Canada, Aviva serves millions of customers and is known for innovative features like usage-based insurance through the Aviva Drive™ program, which rewards safe drivers with discounts.
The company provides standard auto insurance coverages, including liability, collision, comprehensive, accident benefits, and uninsured motorist protection. Additionally, Aviva offers optional add-ons such as roadside assistance, rental car coverage, and waiver of depreciation for new vehicles.
Pros of Aviva Car Insurance Canada
One of the biggest advantages of choosing Aviva is its usage-based insurance program, Aviva Drive™. This app-based system tracks driving habits and offers discounts of up to 25% for safe driving. This is particularly beneficial for low-mileage or cautious drivers who want to reduce their premiums.
Another strong point is Aviva’s financial strength. As a globally recognized insurer, customers can trust that Aviva has the resources to handle large-scale claims without financial instability. This is crucial for policyholders who want assurance that their claims will be paid promptly.
Aviva also stands out for its customizable policies. Drivers can tailor their coverage with various endorsements, ensuring they only pay for what they need. Additionally, Aviva offers multi-policy discounts, making it a cost-effective option for those bundling home and auto insurance.
Customer service is another area where Aviva excels. The company has a 24/7 claims service, online policy management, and a user-friendly mobile app, making it convenient for customers to handle their insurance needs anytime, anywhere.
Cons of Aviva Car Insurance Canada
While Aviva has many strengths, there are some drawbacks to consider. One common complaint from customers is that premiums can be higher than some competitors, especially for high-risk drivers. While discounts are available, drivers with poor records may find better rates elsewhere.
Another downside is that Aviva Drive™ is not available in all provinces. This usage-based discount program is currently limited to certain regions, which may disappoint drivers in areas where it’s not offered.
Some policyholders have also reported mixed experiences with claims processing. While many customers praise Aviva’s efficiency, others have faced delays or disputes over claim settlements. This inconsistency can be a concern for those prioritizing seamless claims handling.
Aviva Car Insurance Rates in 2025
Rates for Aviva car insurance vary based on factors like driving history, location, vehicle type, and coverage level. On average, drivers in Ontario may pay between $1,500 to $2,500 annually, while Alberta and British Columbia drivers might see slightly lower or higher rates depending on regional risk factors.
Aviva’s discount opportunities can help reduce costs. Safe drivers, those with multiple policies, and vehicles equipped with anti-theft devices may qualify for significant savings. Additionally, students and young drivers can benefit from good student discounts if they maintain high grades.