If you drive in Ontario, you’ve probably heard of CAA. But is a CAA Membership really worth it — and what do you actually get?
At Begin Insurance, we're proud to partner with CAA Insurance to help Ontario drivers get more value from their coverage and their everyday lives. In this guide, we’ll walk you through everything you need to know about CAA Membership, from roadside assistance to shopping rewards and insurance discounts.
A CAA Membership is your personal backup plan for the road, but it goes far beyond just towing services. Members get access to:
CAA offers four different membership options tailored to different needs and budgets. Whether you drive often or just want access to perks, there's a membership that fits.
| Membership Type | Price(Annual) | Best For | Key Benefits |
| CAA Everyday | $30/year | Non-drivers or light users | Access to CAA Rewards and partner discounts — no roadside assistance included |
| Basic | $75/year | Local drivers or short commutes | Includes 10 km towing, battery boost, lockout, and fuel delivery |
| Plus | $119/year | Commuters and road trippers | 200 km towing, extended roadside services, bike assistance + RV option for $67 extra |
| Premier | $149/year | Long-distance or frequent drivers | 320 km towing, concierge service, travel benefits + RV option for $62 extra |
➡️ Learn more about each plan on the official CAA Membership page
Yes, especially if you drive often or want peace of mind. Just one tow or lockout service in Ontario can cost $100–$150 without a membership. CAA covers this and much more.
Real-life benefits:
As a CAA Member, you unlock exclusive savings on car and home insurance. Plus, CAA Insurance often rewards safe driving and low-mileage drivers.
Here’s how Begin Insurance adds even more value:
✅ Already a CAA member? Let us know and we’ll factor that into your personalized quote.
Here’s where we come in.
At Begin Insurance, we help Ontario drivers like you take full advantage of their CAA membership when it comes to insurance. Members are often eligible for:
Not sure how your membership affects your premium? Our brokers will help you compare quotes and ensure you're maximizing your savings.
- Check out our Auto Insurance page
- Or learn more about Home Insurance options
While CAA memberships must be purchased directly from CAA, we at Begin Insurance can help you:
Here’s how easy it is to use your membership benefits:
Q: Can I use CAA membership right after I sign up?
Yes, but towing services have a 24-hour waiting period for new members.
Q: Does CAA cover me or the car?
Your membership follows you, not the vehicle. That means you're covered whether you’re the driver or passenger.
Q: Can I add family members to my CAA account?
Yes, you can add household members for a discounted rate.
Q: Is CAA valid across Canada and the U.S.?
Absolutely, CAA partners with AAA and other associations in North America.
Q. Can I use my CAA membership for a friend?
Yes, if you're with them. CAA covers you, not the vehicle — so you must be present when requesting service.
Q. What’s the difference between CAA, AAA, and AMA?
CAA is the Canadian Automobile Association. AAA (American Automobile Association) is its U.S. counterpart. AMA is the Alberta Motor Association — a regional branch of CAA. All three work together, so members get service across North America.
If you want reliable roadside help, great discounts, and insurance savings, a CAA Membership is absolutely worth it. At Begin Insurance, we work closely with CAA Insurance to help you make the most of your membership. Whether you're looking to lower your premiums or just want peace of mind on the road, we’re here to help.
Posted May 10, 2019