The 7 Best Driving Apps for Canadians Using Telematics [2025]

Ten years ago, car insurance in Canada was a flat-rate system. Your premiums were calculated based on your age, location, driving record, and vehicle type, nothing more, nothing less. But in today’s tech-driven world, telematics has completely changed how insurance companies evaluate drivers.

Thanks to smartphone apps and vehicle-installed telematics devices, insurers now reward drivers for safe, low-risk behavior. 

In this article, I’ll walk you through how these driving telematics apps work, compare the best ones available to Canadians, and share a powerful real-life example of a client who cut his premium by nearly 40%.

Whether you’re new to telematics or simply searching for the best app to maximize your savings, this guide will break it down clearly.

What is Telematics and How Does It Work?

Telematics combines telecommunications and informatics to monitor your driving habits in real time. Most insurers in Canada use either a plug-in device or a mobile app to track the following:

• Acceleration and braking
• Speed
• Time of day you drive
• Cornering
• Phone usage
• Distance driven

This data is then used to calculate a driving score. The better your score, the more you can save up to 30% with some companies. The most attractive part? Many insurance providers offer an automatic discount just for signing up.

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Why Canadians Are Turning to Driving Apps That Use Telematics

Telematics is growing fast in Canada, especially among younger drivers and those with clean driving records. 

According to the Insurance Bureau of Canada (IBC), nearly 40% of new car insurance policies in Ontario included some form of usage-based insurance (UBI) by the end of 2024.

There are three reasons for this surge:

1. Premiums keep rising. Ontario still has some of the highest car insurance rates in the country. Telematics helps bring those costs down.
2. Drivers want control. With telematics apps, you can literally track how your behavior affects your rate.
3. Insurers love the data. It reduces risk for them, and they reward you for sharing it.

7 Best and Most Popular Telematics Driving Apps for Canadians

1. Intact Insurance my Drive App

The Intact Insurance my Drive app is a top-rated telematics driving app used by Canadians to track safe driving habits and earn discounts. 

My Drive App is available on both Android and iOS. It monitors speed, braking, acceleration, and phone usage while driving. The better your driving, the more you save up to 25% off your premium. 

It’s ideal for young drivers and cautious commuters alike. With user-friendly visuals and real-time feedback, Canadians using telematics with Intact Insurance find it easy to improve their driving scores and insurance rates. 

The app is free for all Intact clients looking to benefit from usage-based insurance in Canada.

2. belairdirect Automerit App

The belairdirect Automerit app offers a smart way for Canadians to save money through telematics technology. 

This driving app for Canadians using telematics tracks real-world behaviors like harsh braking, fast acceleration, and the time of day you drive. 

Drivers can receive a discount of up to 25% based on their performance. With clear dashboards and driver coaching, Automerit promotes safer habits and cost savings. 

The app is designed for ease of use and is compatible with iOS and Android devices. If you’re looking for an insurance telematics app in Canada that rewards safe driving, Automerit is one of the best.

3. The Co-operators en-route Auto App

The en-route Auto Program by The Co-operators is among the most reliable driving apps Canadians use with telematics insurance. It analyzes driving patterns such as acceleration, hard stops, and distracted driving, offering discounts of up to 25% for good behavior. 

The app runs seamlessly in the background once installed and is ideal for those who want to cut costs while driving responsibly. Feedback is provided regularly to help drivers make safer choices. 

For policyholders with The Co-operators, en-route is a must-have telematics driving app in Canada that provides insight, incentives, and insurance savings.

4. Desjardins Ajusto App

The Desjardins Ajusto app stands out as one of the most advanced telematics apps for Canadians. It provides real-time feedback on driving habits and adjusts discounts based on factors like driving speed, distance, and use of mobile devices. 

Policyholders can save up to 25% on their auto insurance premiums. Ajusto is available for both iOS and Android, offering a smooth, data-driven experience that promotes safe behavior. 

For anyone seeking to lower car insurance costs through safer driving, Desjardins Ajusto is a leading driving app for Canadians using telematics technology in real time.

5. TD MyAdvantage App

The TD Insurance MyAdvantage app is a popular choice among Canadians looking to use telematics apps to manage their auto insurance. It tracks behaviors such as braking, acceleration, cornering, and phone usage. 

Based on your driving score, you could receive discounts of up to 25% at renewal. This is one of the driving apps used by Canadians with telematics insurance that encourages continuous improvement and safer road habits. 

With weekly feedback reports and an easy-to-navigate interface, it makes saving on insurance easy. TD MyAdvantage is an excellent option for Canadians who want their safe driving to be rewarded with tangible savings.

6. Aviva Journey App

The Aviva Journey telematics app is a well-known driving app for Canadians using telematics insurance. It gives drivers insight into habits that impact risk, such as speeding, harsh braking, and phone distractions. 

With up to 20% in savings for safe driving, the app is particularly valuable for new drivers and cautious commuters. Available on most smartphones, Aviva Journey also uses gamification elements to make improving your score engaging. 

If you want an insurance product that adapts to how you actually drive, Aviva Journey is one of Canada’s top telematics apps for driving behavior tracking and insurance discounts.

7. CAA MyPace App

The CAA MyPace app offers a different kind of telematics driving experience for Canadians. Instead of basing savings on behavior, MyPace is a pay-as-you-drive program ideal for low-mileage drivers. 

It tracks your kilometres and charges you based on usage, helping Canadians who drive less save more. This is one of the best driving apps using telematics that is perfect for Canadians who have retired, remote workers, or urban commuters who don’t clock many miles. 

CAA’s trusted reputation, combined with telematics precision, makes MyPace one of the best tools for reducing car insurance premiums for Canadians who rarely hit the road.

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Comparing the Best Driving Apps for Canadians Using Telematics

Not all telematics apps are created equal. Some focus purely on safety metrics, while others reward you for eco-friendly driving or reduced mileage.

Here’s a comparison of the top telematics apps offered by major Canadian insurers as of 2025:

How a Telematics App Helped My Client Save Big

Let me share a real story from one of my Ontario-based clients, Mark, a 32-year-old web developer from Hamilton. When he approached me last year, he was paying $2,900 annually for car insurance. That’s pretty steep for someone with no recent claims and a clean driving record.

After evaluating his situation, I recommended TD MyAdvantage. He downloaded the app and started tracking his driving. Mark is a cautious driver by nature; no sudden stops, no late-night driving, and minimal phone use behind the wheel.

Over six months, his score consistently stayed in the 90s (out of 100). When his renewal came around, his premium dropped to $1,750. a savings of over $1,100. That’s a 39% cut, just for proving he was a safe driver.

He told me:

“I always thought I was paying a fair rate, but using a telematics app proved otherwise. Now, I get rewarded every year for something I already do, driving safely.”

The Role of Privacy and Data in Telematics

Naturally, some drivers are skeptical about being tracked. It’s a valid concern. However, all telematics programs in Canada must comply with privacy regulations, including PIPEDA. Insurers cannot share your driving data with third parties, and you can opt out anytime.

That said, opting out usually means forfeiting any discount you were receiving. Most drivers who start using these apps end up sticking with them, especially after seeing the savings pile up.

How Telematics Apps Impact Different Provinces in Canada

Some provinces in Canada have more active telematics adoption than others. Ontario and Alberta lead the way, mostly because insurance premiums are much higher there. For example:

• Ontario: Average annual premium is $1,700+
• Alberta: Average is around $1,500
• Quebec: Typically below $1,000

The higher your base premium, the more you’ll benefit from a usage-based insurance discount. If you’re paying $2,000 a year, even a 20% discount saves you $400. In contrast, drivers in Quebec might not see dramatic savings, but it still adds up over time.

What Telematics Apps Are Not Meant For

Telematics is great, but it’s not for everyone. Here’s when it might not be ideal:

• If you drive mostly at night (many apps penalize late-night driving)
• If you often brake hard (urban drivers in busy areas may suffer)
• And if it happens that you’re uncomfortable with your location data being tracked

However, if you’re a safe, consistent driver and mostly use your car during the day, telematics apps are a no-brainer.

Tips to Maximize Your Telematics Score

Here’s what I tell every client who signs up for a telematics program:

• Avoid aggressive braking. Smooth stops earn higher scores.
• Limit nighttime driving. Most apps score late-night trips lower.
• Watch your speed. Speeding is one of the biggest score-killers.
• Don’t touch your phone. Even picking it up briefly can be flagged.

Many apps now send weekly or monthly reports, so you can actively adjust your behavior to improve.

Final Thoughts: Should You Try a Telematics App in Canada as a Driver?

Absolutely, if you’re a safe driver and want to save money. Telematics-based insurance is the future in Canada. Insurers are already integrating more advanced metrics, like real-time weather data and AI-based risk analysis, to refine their programs.

As a broker, I’ve helped hundreds of drivers across Canada save hundreds, even thousands, using these apps. While the experience may differ slightly between provinces and insurers, the goal remains the same: rewarding you for being a safe and responsible driver.

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Key Takeaways on Driving Apps for Canadians Using Telematics

• Telematics apps monitor real-time driving behavior and offer discounts based on performance.
• The most popular telematics apps in Canada include TD MyAdvantage, Desjardins Ajusto, and Allstate Drivewise.
• You can save up to 30% on your premiums with good driving scores.
• Ontario and Alberta drivers stand to gain the most due to higher base premiums.
• Always read the fine print before enrolling and ensure the app fits your lifestyle.

By understanding how these apps work and choosing the right one, you can take control of your premiums like never before. If you need help selecting the best telematics program for your province and driving habits, speak to a licensed insurance broker in your area. You might be surprised how much you can save.