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Updated Aug. 30, 2024
Living in Barrie, just north of Toronto along Highway 400, is like living anywhere else when it comes to auto insurance: drivers must carry it to operate a vehicle legally.
The Financial Services Regulatory Authority of Ontario (FRSA) regulates the insurance industry in Ontario. FSRA's role is to ensure that insurance companies' proposed rates are fair. FRSA requires agents and businesses that sell auto insurance to be licensed and follow all relevant legislative guidelines.
The Registered Insurance Brokers of Ontario (RIBO) is the self-regulatory body for insurance brokers in Ontario. RIBO regulates the licensing, professional competence, ethical conduct, and insurance-related financial obligations of all independent general insurance brokers in the province.
People looking for auto insurance in Barrie have the following options for coverage.
| Insurance type | Mandatory coverage | Optional/Additional coverage |
|---|---|---|
| Third-Party Liability | $200,000 minimum. Provides coverage in the event of a lawsuit resulting from an accident where you are at fault. | Coverage can be increased to $500,000, $1 million, or $2 million, with up to $2 million limit. |
| Direct Compensation-Property Damage (DC-PD) | Covers damage to your car, or loss of use of your vehicle, if someone else is at fault. Must involve another insured vehicle. | For additional vehicle coverage including for when you are at-fault, consider collision coverage. |
| Uninsured Automobile Insurance | Provides up to $200,000 in coverage if you are injured or killed by an uninsured driver, or if your vehicle is damaged as a result of a hit-and-run by an unidentified, uninsured motorist. | Family Protection Coverage is an optional coverage that includes additional coverage of up to $1 million in the case of a hit-and-run by an uninsured motorist. |
| Statutory Accident Benefits | Provides coverage if you are injured in an accident, regardless of who is at fault. Covers medical expenses that aren’t covered by OHIP. Income Replacement Benefits: Basic weekly income replacement of 70% of your gross income up to $400/wk. Medical, Rehabilitation and Attendant Care Benefits: Up to $65,000 for serious injuries, and $1 million for catastrophic injuries. Caregiver Benefits: Up to $250 per week for the first dependent, and $50 per week for each dependent after that. Housekeeping and Home Maintenance Expenses: Maximum payout $100 per week. Death and Funeral Benefits: Up to $25,000 is provided to your spouse, $10,000 for each dependent, and up to $6,000 in funeral costs in the event you are killed in an automobile accident. |
Coverage limits can be increased. |
| Collision Coverage (Also Upset Coverage) | Optional | Covers the costs of repairing or replacing your vehicle following a collision with another vehicle, an object, or property. |
| Comprehensive Coverage | Optional | Covers damages caused by named perils identified under the Specified Perils coverage, as well as losses from other perils like falling or flying objects, theft, fire, hail, windstorms, missiles, and vandalism. |
| Specified Perils Coverage | Optional | Covers damages caused by named perils such as theft, attempted theft, explosions, natural disasters like fire, lightning, windstorm, hail, rising water, earthquakes, and also other perils specified in your policy. Specified perils do not cover damages due to vandalism, breakage of glass, etc. |
| All-Perils Coverage | Optional | Combines collision/upset and comprehensive coverage. Also provides additional protection if a household member or an employee steals your vehicle. |
| OPCF 20: Coverage for Transportation Replacement | Optional | Covers the cost of your transportation replacement and rental car insurance if you were to get into a car accident or if your vehicle is stolen. |
| OPCF 27: Liability for Damage to Non-Owned Automobile(s) | Optional | Covers if you damage a borrowed or rental vehicle. The coverage limit is usually around $25,000 to $50,000. |
| OPCF 39: Accident Waiver/Forgiveness | Optional | Protect your premium from rising when you have your first at-fault accident. |
| OPCF 43: Waiver of Depreciation | Optional | Protects you by removing your insurer's right to deduct depreciation from the value of your vehicle when settling a claim. This coverage is for new vehicles with fewer than 5,000 kilometres. |
| OPCF 44R: Family Protection Coverage | Optional | Protects you if you or a family member is injured, regardless of whether you or your family members are in the car when the accident occurs |
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The average car insurance premium for Barrie is $1,582 per year.
Barrie is nearly 100 km from Toronto and escapes the significant auto insurance costs found further south; the top ten most expensive insurance markets in Ontario and Canada are in the Greater Toronto Area (GTA).
While Barrie is relatively densely populated and its rates are high compared with other cities in Canada, within Ontario it remains a relatively affordable place for auto insurance. Many people commute out of the city for employment, which may reduce traffic within Barrie. It also has the third lowest crime severity index (CSI) in Canada, according to Statistics Canada.
| Rank | City | Average 2021 premium |
|---|---|---|
| 1 | VAUGHAN | $2,179 |
| 2 | AJAX | $2,104 |
| 3 | RICHMOND HILL | $2,025 |
| 4 | BRAMPTON | $1,976 |
| 5 | MISSISSAUGA | $1,971 |
| 6 | PICKERING | $1,959 |
| 7 | TORONTO | $1,953 |
| 8 | OSHAWA | $1,833 |
| 9 | WHITBY | $1,792 |
| 10 | NOBLETON, SCHOMBERG, ORANGEVILLE, KING CITY | $1,766 |
| 15 | BARRIE | $1,582 |
People living in Barrie have some of the most affordable auto insurance rates in the province, according to the RATESDOTCA Insuramap data. While it is relatively close to Ontario's largest city – Toronto – cities closer to Lake Ontario, with more densely populated areas and commuters see higher rates. For example, Vaughan, Ajax and Richmond Hill (all bordering Toronto) have the highest rates in the province.
| Company name | Company type | Phone number | Address |
|---|---|---|---|
| All Risks Insurance Brokers | Insurance Brokers | 705-881-7774 | 210-48 Alliance Blvd, Barrie ON, L4M 5K3 |
| Desjardins Insurance | Insurance Agency | 705-726-3079 | 1-431 Huronia Rd, Barrie ON, L0K 1S0 |
| Huronia Insurance Group | Insurance Agency | 705-728-6909 | 11-431 Huronia Rd, Barrie ON, L0K 1S0 |
| InsuranceHotline.com | Quotes Comparison | 1-855-821-7312 | 360 Adelaide St. West, Suite 100, Toronto, ON, M5V 17 |
| LowestRates.ca | Quotes Comparison | 1-855-487-6911 | 1910 Yonge St Suite 401, Toronto, ON M4S 3B2 |
| Mallory Insurnace Brokers | Insurance Brokers/Agency | 705-728-6100 | 45 Collier St, Barrie ON, L4M 1G5 |
| RATESDOTCA | Quotes Comparison | 1-844-726-0907 | 360 Adelaide St W suite 100, Toronto, ON M5V 1R7 |
| Scoop Insurance | Insurance Agency | 1-866-456-6620 | 300 Lincoln St unit 22, Welland, ON L3B 4N4 |
| Wawanesa Insurance | Insurance Agency | 705-721-9292 | 908-75 Cedar Pointe Dr, Barrie ON, L4N 5R7 |
| Westland Insurance | Insurance Agency | 705-721-4755 | 12-431 Huronia Rd, Barrie ON, L0K 1S0 |
Find the answers to all your questions about car insurance in Barrie here.
It’s hard to determine who has the cheapest rates on your own. Comparison sites like RATESDOTCA will ensure you are seeing quotes from the least expensive sources to help you make an informed decision.
There are many additional ways to bring down your rate. Some of the easiest tactics include bundling insurance, increasing the deductible, installing winter tires and agreeing to use telematics which will result in savings if you're deemed to have safe driving habits.
Choosing the right car insurance company for you is a personal choice. Comparison shop using RATESDOTCA and talk to brokers or agents to see who can offer the best policies and customer service you need.
Month-to-month car insurance in Barrie is essentially non-existent. Some insurance companies offer six-month policies, but typically a policy lasts one year.
New drivers typically pay more for insurance than experienced drivers, mainly due to the risk factor. If you have the option to do so, try persuading a parent, partner or very good friend to add you as a named driver to their insurance policy.
Ride-sharing insurance is linked more to companies than cities. For example, the Financial Services Regulatory Authority of Ontario (FSRA) has approved auto insurance products for the following ridesharing companies only:
*Shoppers in Barrie who obtained a quote on RATESDOTCA from January to December 2023 saved an average of $631 per year. The average savings represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third-lowest quoted premiums generated by RATESDOTCA.
Joel Kranc is a freelance writer and content provider who has worked with RATESDOTCA since 2019. He holds an MA in political science from the University of Toronto and a film certificate from New York University.
He has been published in and worked for such companies as CNN, Rogers Media, Institutional Investor Magazine, The Globe and Mail, Infrastructure Investor, BenefitsPRO Magazine, Global Finance Magazine, With Intelligence, the CPP Investment Board, Hospitals of Ontario Pension Plan, and many more financial services and industry publications.
He is the author of "Retirement Planning in 8 Easy Steps," which, when released in 2015, was No. 11 on the Publisher's Weekly US Bestseller List for Business and Finance, beating out Mark Cuban's "How to Win at the Sport of Business."
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