Cheap Barrie Car Insurance Quotes

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Written By Joel Kranc

Contributing writer


Car insurance in Barrie

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.

Mandatory and optional auto insurance in Barrie

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

Recent auto insurance quotes in Barrie

Recent Auto Insurance Quote from BARRIE, ONTARIO
Male, Age 47
May 18, 2024
Cheapest Quote
$ 186 / month
$2,226 / year
Average Quote
$ 261 / month
$3,132 / year
$ 76 / month
$906 / year
28.93 %
Recent Auto Insurance Quote from BARRIE, ONTARIO
Male, Age 25
May 17, 2024
Cheapest Quote
$ 437 / month
$5,245 / year
Average Quote
$ 556 / month
$6,666 / year
$ 118 / month
$1,421 / year
21.32 %
Recent Auto Insurance Quote from BARRIE, ONTARIO
Male, Age 27
May 17, 2024
Cheapest Quote
$ 221 / month
$2,649 / year
Average Quote
$ 321 / month
$3,850 / year
$ 100 / month
$1,201 / year
31.19 %
Auto insurance quotes are compared from CAA, Coachman Insurance Company, Echelon Insurance, Economical Insurance, Gore Mutual, Onlia Insurance, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

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How much does car insurance cost in Barrie?

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.

How does Barrie’s average car insurance rate compare to other cities in Ontario?

Rank City Average 2021 premium
1 VAUGHAN $2,179
2 AJAX $2,104
4 BRAMPTON $1,976
6 PICKERING $1,959
7 TORONTO $1,953
8 OSHAWA $1,833
9 WHITBY $1,792
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.

Which companies offer car insurance quotes in Barrie?

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

Factors that affect Barrie’s car insurance premiums

The following each have an impact on how much you'll pay for car insurance in Barrie:

  • Car model: Cars that are more expensive to repair tend to be more costly to insure. Similarly, a driver should expect to pay more if it's a car model often targeted by car thieves.
  • Driving record and experience: Your claims history and driving record are significant contributors. The number of speeding tickets, driving convictions and at-fault accidents will influence how much you pay for insurance.
  • Your driving experience: Drivers with no claims history can secure savings because it encourages the insurance provider to assess them as being at low risk of filing a claim. New drivers in Canada may be subject to higher premiums unless they can prove their experience with a letter from a regulatory body where they were previously licensed.
  • Where you're driving: Drivers in larger cities with significant traffic tend to pay more. Rates are also higher in cities where car theft is more common.
  • How much you drive: The number of kilometres you drive in a year affects the cost of car insurance in Ontario. The more you drive, the more likely you'll make a claim and the more you'll pay. If you use your vehicle only sparingly, consider a pay-as-you-go policy.
  • Coverage amount and limits: In general, you'll pay more for more coverage. Similarly, if you increase your coverage limits, your premium will go up as well.
  • Additional drivers: Adding a secondary driver to your policy may increase your premiums.

Tips to get cheap car insurance in Barrie

  1. Bundling: When an insurance provider holds more than one of a customer's insurance policies, the customer will likely be offered a discount.
  2. Increase your deductible: Raising your deductible is one of the easiest (and surest) ways to reduce car insurance payments.
  3. Compare rates: Shop around by using sites like RATESDOTCA to ensure you have the quotes to compare with.
  4. Keep a clean record: While it may seem obvious, ensure your driving record is clean and you maintain safe driving habits.
  5. Telematics: Apps that automatically monitor your driving behaviour could significantly cut your car insurance premiums. These apps monitor everything, from the speed you drive to how quickly you stop, turn, and brake.
  6. Tailor your coverage: Dropping collision coverage can help reduce rates. If your vehicle is worth less than $2,000-$3,000, the cost of collision coverage may not be worth the benefit.
  7. Get winter tires: Don't underestimate the value of winter tires. Some insurance companies provide a discount when used, and of course, they add extra driving protection.

Frequently asked questions about car insurance in Barrie

Find the answers to all your questions about car insurance in Barrie here.

Which company has the cheapest car insurance in Barrie?

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.

What are the best car insurance companies in Barrie?

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.

Can I get month-to-month car insurance in Barrie?

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.

How do I get car insurance as a new driver in Barrie?

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.

Is ride sharing insurance available in Barrie?

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:

  • Facedrive – policy provided by Northbridge General Insurance Corporation
  • Lyft – policy provided by Aviva Insurance Company of Canada
  • RideCo – policy provided by Northbridge General Insurance Corporation
  • Uber – policy provided by Economical Mutual Insurance Company
  • Uride – policy provided by Northbridge General Insurance Corporation
  • NRT OnDemand – policy provided by Hartford Fire Insurance Company of Canada
  • Zoom Innovations Inc. – policy provided by Northbridge General Insurance Corporation
  • Y Drive- policy provided by Northbridge General Insurance Company
  • M Ride Inc. - policy provided by Northbridge General Insurance Company

*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 ,

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."

  • Master's of Political Science, University of Toronto
Featured in
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