Barrie Car Insurance: Find Cheap Auto Insurance Quotes

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Looking for the best car insurance in Barrie?

Are you looking for ways to save on car insurance in Barrie and get lower rates? Located about 100 kilometres north of the GTA, drivers in Barrie enjoy lower car insurance rates compared to other cities in the province. But even so, it is a good idea to shop for quotes and look for ways to keep more money in your pocket.

Traffic from cottagers, a regular influx of tourists, commuters, and challenging winter driving conditions all point to the need for people in Barrie to have reliable auto insurance. And as the city grows, driving conditions will only become more challenging.

Ready to review your policy and save? With ThinkInsure you can compare rates for car insurance in Barrie from the top insurance companies in Canada to find better savings. Get started by comparing quotes online or give us a call for a quote. Keep reading to learn more about auto insurance in Barrie and how to save more on your coverage.

How to compare car insurance quotes in Barrie

Compare quotes and start saving in these easy steps.

1) Start your quote

Begin with some basic info.

2) Tell us about your driving and vehicle

Provide us with your driving and vehicle information.

3) Compare your quotes

See the lowest rates from the top providers.

Choose your policy

Choose the best rate. Confirm the details with our experts and get insured.

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5 star car insurance in Barrie

Rated 4.7 out of 5 stars in 1463 Google reviews

See what our car insurance customers are saying about us.

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Kevin St Clair

2024-11-28

Betsy was a genuine pleasure to deal with considering the circumstances. Thanks again for all your help

Anthony Gomez

2024-11-27

Today, I want to take a moment to recognize Monica Chan, an exceptional insurance broker who has consistently gone above and beyond in her service to me. Monica's dedication to punctuality and consideration has been truly remarkable. She has always been prompt in responding to my inquiries and has never hesitated to offer her expertise and guidance. With Monica as my broker, I have never once felt worried about anything going wrong. Her proactive approach and attention to detail have provided me with peace of mind, knowing that my insurance needs are well-taken care of. Throughout our interactions, Monica has been incredibly helpful, patiently explaining complex insurance concepts and ensuring that I fully understand my coverage options. I wholeheartedly recommend Monica Chan to anyone seeking an insurance broker who genuinely cares about their clients' best interests. Her commitment to excellence and her willingness to go the extra mile make her an invaluable asset in the insurance industry.

Phyllis Baker

2024-11-20

Absolutely amazing service the broker Todd worked on my quote fast I recommend this company to anyone very professional I’m so glad I called them .. Thank you for your great work

Charles Cameron

2024-11-15

Betsy Bannon has been nothing short of amazing at helping us through the complex process of acquiring business insurance. She quickly understood our needs and expertly guided us to the right solution. From start to finish, she made us feel like her most important client which gave us the confidence that we were in great hands. We highly recommend Betsy!

Jermaine M

2024-11-05

I had a great experience with Patrick Vuong. He went above and beyond to help me update last minute changes to my policy in order to qualify for a government grant. Staying back late and coming in early the next day to help finishes the changes. Very kind and professional!

Mark Gaffney

2024-11-05

Betsy Bannon is a professional extremely friendly and knowledgeable and made my experience wonderful! Highly recommend her for any insurance needs. Mark Gaffney

fabian ward

2024-11-04

Great service! Prompt and very helpful! Thanks to Todd allan for really helping me out!

Stephen Mcfadden

2024-11-01

Great experience working with Sohel Rahman, appreciate his honest and can-do attitude. Highly recommend!

What type of auto insurance do I need in Barrie?

All drivers must carry the minimum car insurance coverage to drive legally in Barrie. Here’s an outline of the requirements:

Mandatory car insurance in Barrie

All drivers must have the minimum amount of coverage. This includes:

Third party liability: TPL covers you if liability claims are made against you after an at-fault accident.
Statutory accident benefits: You receive medical care for the driver and passengers if injured in an accident. You also get coverage for attendant care, rehabilitation, and lost income.
Uninsured motorist: Receive protection if an uninsured driver injures you. You also have coverage if you’re a victim of a hit-and-run.

This is the basic amount. Most Barrie residents bump up their auto insurance policy limits for added protection. For example, they increase their liability coverage to $1 million and add extra coverage.

Direct compensation property damage covers accident damage when you are not at fault.

As of January 1, 2024, DCPD will no longer be mandatory. You can opt out of this coverage using OPCF 49.

Optional car insurance

You can add policy endorsements and optional coverage for a fee. This extra protection gives you more protection and higher limits. Options include:

Collision insurance: You have coverage for accident damage. This includes damage to objects, such as a tree or street sign.
Comprehensive insurance: This protects you from damage from non-driving events, such as theft and weather damage.
All perils insurance: This is a combination of comprehensive and collision coverage.
Specified perils insurance: You have coverage for the perils that are listed in your policy.

Choosing one or combining these optional coverages ensures protection from a wider range of perils.

Get more information about car insurance in Ontario and how your policy works.

Ways to get cheap car insurance in Barrie

If you like saving time and money - raise your hand if you do. Ok, so you're not alone - it makes total sense to shop around before making a major purchase decision. That's especially true of car insurance. There are lots of ways to get cheaper car insurance in Barrie. Here are 5 quick ways to save:

Shop for car insurance quotes annually.
Capitalize on the insurance discounts available to you.
Bundle insurance with the same insurer.
Pay your premium in full rather than paying monthly.
Adjust your limits and deductible to match your needs.

Recent Barrie auto insurance quotes

2024/12/17

Shopper in BARRIE, ON
Vehicle: FORD F150 XLT SUPERCREW 4WD 2017
Aviva Journey	$1,208
CAA My Pace	$1,338
Aviva	$1,340
CAA Connect	$1,341
Savings from top 4 cheapest quotes	$133

2024/11/12

Shopper in BARRIE, ON
Vehicle: FORD EDGE LIMITED 4DR AWD 2013
Aviva Journey	$1,096
CAA Connect	$1,125
CAA	$1,185
CAA My Pace	$1,185
Savings from top 4 cheapest quotes	$89

How much does car insurance in Barrie cost?

The average cost for car insurance in Barrie is approximately $1,400 per year for a policy - for drivers with a clean driving record. Your rates could be higher or lower depending on the specific details related to your driving history, insurance needs, and other factors.

Comparatively, Barrie has more affordable car insurance than many other cities in the province, including car insurance in Toronto.

Average Barrie car insurance rate compared to other Ontario cities info graphic

Sources: *FSRAO
2023 ThinkInsure customer quote data. Drivers with a clean driving record and standard coverage

Barrie car insurance rates from 2019-2023

Many drivers are seeing higher premiums in 2023. The variability of insurance rates necessitates frequent changes. Insurers utilize collected data on claims, repair costs, accidents, and numerous other factors to determine the adjustments. Additionally, your driving record and potential qualification for extra discounts can influence these rate fluctuations. Here is an example of how rates can change over time, using Barrie customer data:

Year	Average annual premium
2023	$1,888
2022	$1,515
2021	$2,062
2020	$2,091
2019	$2,017
Average rate (2019-23)	$1,915

Barrie auto insurance premiums by driver type

Your payments for auto insurance are determined by your driver status. Providers take into account factors such as age, demographics, driver classification, and driving record when setting premiums. To examine how these factors affect your payments, we analyzed our Barrie customer quote data. Here's what we found:

	Premium	Monthly	Difference
Driver type
All drivers	$2,082	$174	0
Young drivers (25 and under)	$3,030	$253	45.53%
Middle age (25 - 50)	$2,048	$171	-1.63%
Mature/senior drivers (50+)	$1,310	$109	-37.08%
High risk drivers	$5,030	$419	141.59%
Demographics
Male	$2,064	$172	-0.86%
Female	$2,105	$175	1.10%
Married	$1,783	$149	-14.36%
Single	$2,324	$194	11.62%
Driving record
Clean driving record	$2,082	$174	0
1 ticket within the past 3 years	$2,183	$182	4.85%
1 accident in 3 years	$2,759	$230	32.52%
1 cancellation in 3 years	$2,546	$212	22.29%
1 suspension in 3 years	$2,602	$217	24.98%

*****

Auto insurance rates in Barrie compared to local cities nearby

Here is a display of how premiums in Barrie compare to other cities nearby in the region:

City	Avg premium
Barrie	$1,832
Orillia	$1,815
Newmarket	$1,757
Uxbridge	$1,587
Aurora	$1,582

****

What areas in Barrie have the cheapest car insurance?

Your residential area within a city can have an impact on your insurance costs. In Barrie, the discrepancy between postal codes could lead to fluctuations in price.

Area in City of Barrie	Postal Codes	Avg Premium
Downtown, North Barrie, Craighurst, Grenfel	L4M	$2,108
South Barrie	L4N	$2,050
Barrie	L9J, L9X	$2,099

***

About Barrie and auto insurance

Driving up north is a little different. In addition to the risks associated with highway driving, the combination of people unfamiliar with the area, wildlife, and unpredictable weather, especially during the winter, makes it even more important for people in Barrie to have great car insurance coverage. Ensure your auto policy has the protection you need to drive safely.

Here is some important information about roadways, attractions, and getting around in the region:

Highways

Highway 400
Highway 11, 26, 27, 90, 93, 131

Public transit

Barrie Transit
Go Transit

Toll roads

407 ETR

Ride-sharing

Uber

Road trips

Wasaga Beach
Arrowhead Provincial Park
Balm Beach
Inglis Falls and Indian Falls
Mono Cliffs Provincial Park

Parking

City of Barrie
Impark

Top attractions

Innisfil Beach Park
Barrie Centennial Park
Kempenfelt Bay
Snow Valley Ski Resort
Mount St. Louis Moonstone

Busiest intersections

Highway 400 and Essa Road
Highway 400 and Maple Drive
Essa Road and Fairview Road
Dunlop Street West and Ferndale Drive North
Dunlop Street and Hart Drive

Airports

Lake Simcoe Regional Airport

Car insurance for Barrie's driving conditions

As a Northern Ontario city in the Greater Golden Horseshoe, Barrie is known for its potential traffic-stopping weather conditions. Expect the unexpected. Protect yourself by comparing quotes and policy options to ensure you have enough auto insurance for the driving conditions in Barrie.

29 mins (one way)

Avg. daily commute time

854 mm

Avg. annual rainfall

1,597 mm

Avg. annual snowfall

138

Rainy days per year

Snow days per year

Traffic and stats that impact Barrie car insurance rates

Barrie has a population of over 212,000 residents as of the 2021 census. This includes about 35,000 people in Innisfil and over 18,000 in Springwater. Here are some things good information that can help you better understand auto insurance in the area:

On average, Barrie has more younger people. The median age is 38.7 years, compared to 40.4 years in Ontario overall. Age is a factor all insurers consider when determining insurance premiums.
Highway 400 is the primary route between Barrie and Toronto. A sizeable number of residents regularly commute to Toronto using Highway 400. Bisecting the city in a mostly north-south direction, Highway 400 splits off into Highway 11. The 400 continues north through Parry Sound and French River to Sudbury, while Highway 11 cuts north through Orillia and Huntsville to North Bay.
Most residents drive about 15,000 kilometres per year. Most people drive. About 90% of people drive to work.
The number of collisions has fallen in 2020. There were 464 reported between January and September this year. In 2019, there were 779. In 2017, there were 2463 collisions, according to the Ontario Road Safety Annual Report. Fewer collisions in the region can help reduce insurance costs.

Tips for driving in Barrie

Driving in Barrie requires the ability to drive in all types of conditions – city streets, highways, and rural roads. Experience behind the wheel and a solid insurance policy ensures you’re protected. Here are some tips to drive safely:

Be ready to share the road with all types of vehicles: As a prime cottage country region, you’ll see lots of leisure vehicles on the roads. Be ready to share the road with RVs, campers, boat trailers, and people from out of town.
Watch out for wildlife: It is home to its fair share of wildlife. Be extra cautious when driving on the outskirts of the city, especially at dusk and dawn.
Lots of out-of-towners: Expect a lot of people from out of town during the summer and ski season. Be on the lookout for people who are unfamiliar with the area. Lots of people vacation close to Kempenfelt Bay and Lake Simcoe
Don’t become a winter collision statistic: The region, especially along Highway 400 experiences a fair share of winter crashes. Slow down, drive with caution, and reconsider your drive if the weather conditions are not ideal for driving. Remember, even a simple crash can cause your premiums to go up. Drive safe!

Barrie car insurance FAQs

What are the main things affecting my auto insurance premiums in Barrie?

There are many factors that affect auto insurance in Barrie, most notably:

Where you live
Your driving record (tickets, accidents, and claims
How often you drive and your commute length
Your coverage choice and limits
The type of vehicle you drive
Your insurance deductible amount

Is auto insurance cheaper in Barrie than other cities?

It depends on where you live. Car insurance rates in Barrie are lower than the provincial average. It is about $200 per year less than the average rate.

Is shopping for car insurance quotes in Barrie easy?

Yes. Our advisors make it quick and easy for you to shop for Barrie car insurance. You provide them with your information, and they will do the shopping for you. The result is more insurance options and the ability to find the lowest rates available to you.

How can I get cheap auto insurance in Barrie?

Whether you think you pay too much for auto insurance in Barrie, your policy is up for renewal, or you simply want to explore your options, getting a quote is a great way to find cheaper rates. Comparing quotes allows you to quickly explore your options from multiple insurers. This puts you in a position to get the lowest rate.

What type of car insurance in Barrie does ThinkInsure offer?

ThinkInsure offers a variety of different types of car insurance to Barrie residents. We have coverage for all types of drivers and all types of vehicles from the leading insurance companies. So, no matter what your needs are we can get you coverage at the most affordable rates.

What companies have the best auto insurance in Barrie?

The list of the insurance companies that have the best auto insurance in Barrie can change from person to person. The company that can offer you the lowest rates and coverage depends on the type of protection you need. For example, some companies offer specialized packages for seniors, while others offer better deals for new drivers. Other insurers have more packages to offer. You can find the best insurance company for you by comparing your options and shopping around.

ThinkInsure is partners with the leading insurance companies in Ontario. You can compare coverage and prices from providers like CAA, Intact, Aviva, Economical, Travelers, and many others. See the complete list of our insurance partners.

Find the best quotes for Barrie car insurance

When was the last time you compared quotes for car insurance in Barrie? Not sure? Now is a great time to find savings. Get a free quote online or give us a call to find a better rate on your coverage.

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Sources

* Based on the difference between the average lowest premium and the overall average premium in Barrie for estimates completed from January 1 to March 31, 2023, for drivers with a clean driving record.

** Estimated prices are based on data entered by drivers with a clean driving record living in Barrie on ThinkInsure.ca.

*** Estimated premiums are based on data entered by individuals on ThinkInsure.ca from 2019-2022.

**** Estimated premiums are based on data entered by people on ThinkInsure.ca from January 1, 2021, to October 1, 2022.

***** Data from online quotes completed from April 2019 to April 2023.

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