Barrie Car Insurance: Find Cheap Auto Insurance Quotes

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Written by Nolan Wilson Updated on June 12, 2025 min read

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, shopping for quotes and finding ways to keep more money in your pocket is a good idea.

Traffic from cottagers, a regular influx of tourists and commuters, and challenging winter driving conditions all point to the need for people in Barrie to have reliable auto insurance. 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.

Top things to know about Barrie car insurance:

Car insurance in Barrie is approximately $2,148 per year.
Barrie auto insurance premiums are about $150 higher than the provincial average of $2,006.
South Barrie (L4N) typically has the lowest rates in the city.

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

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Mariann Szekeres

2025-06-20

Thank you Sohel for all your help in finding the right insurance for me, I greatly appreciate it.

Zach Barnett

2025-06-06

Excellent Experience sorting out insurance with Todd A. Very helpful and friendly Thank you !

Mike C

2025-05-30

Great service and seamless process. Todd was great!

Mike Chernikov

2025-05-29

Very polite and easy to work with. Tried many companies before this one. Got help same day. Would recommend

Bumsniff McCheeze

2025-05-29

Amazing place to go for tenants insurance...needed help quickly and didn't know how to go about it. Todd one the agents went above and beyond on help fulfill my request, was courteous, polite and knowledgeable and hooked me up with exactly what I needed to secure tenants insurance and move into my new home. Wouldn't have happened without his help and he is very much appreciated!!! As is the company itself...very affordable rates and payment options and made everything easy and seamless. Thanks again! Your rock!

garth dangerfield

2025-05-28

I have been a customer since 2022 at Thinkinsure- overall very pleased! Recently I had a bit of a problem with my policy, nothing to do with Thinkinsure - rather the insurance company that was solved, but I will say I'm grateful for Thinkinsure's help specifically a very nice woman Felicia - she took control & was extremely helpful. Thank you Felicia

Clare Wanzama

2025-05-22

I can't recommend Sohel enough! He went above and beyond to help me get car insurance despite my challenging driving history. He was professional, patient, and truly dedicated to finding the best possible coverage for my situation. I felt supported every step of the way, and he made a stressful process so much easier. If you need someone who genuinely cares and will work hard for you, Sohel is your guy. Thank you for everything!

K Stephens

2025-05-13

The service Betsy Bannon provided was exceptional. Her prompt responses and detailed options easily convinced us to move our business from elsewhere to ThinkInsure.

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 or more and add extra coverage.

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

DCPD will no longer be mandatory as of January 1, 2024. 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.

5 Ways to get cheap car insurance in Barrie

Everyone is looking for ways to keep costs down these days. Costs are increasing across the board. So, it makes 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 five 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 deductibles to match your needs.

Expert car insurance advice

Is your vehicle a target for thieves? Want to pay less for insurance on a car that's a theft target? Here are a few ways to keep costs down: get yourself a solid anti-theft system like an alarm or tracker, always try to park in well-lit or secure spots like garages, and shop around for insurers who offer discounts if you take these precautions.

Wasim Khan

Insurance Broker (RIBO)

Get help with Barrie auto insurance today!

Monday-Friday: 8am-6pm
Saturday: 9am-5pm

Recent Barrie auto insurance quotes

2025/06/20

Auto insurance shopper in BARRIE, ON
Vehicle: NISSAN PATHFINDER PLATINUM 4DR 4WD 2016
Aviva Journey	$1,388
CAA My Pace	$1,433
CAA Connect	$1,440
CAA	$1,516
Savings from top 4 cheapest quotes	$128

2025/06/16

Auto insurance shopper in BARRIE, ON
Vehicle: HONDA CR-V SPORT 4DR AWD 2023
Aviva Journey	$1,859
Intact	$1,887
Aviva	$2,063
SGI Canada	$2,607
Savings from top 4 cheapest quotes	$748

2025/06/13

Auto insurance shopper in BARRIE, ON
Vehicle: hyundai ELANTRA GL 4DR 2017
Aviva Journey	$2,136
Aviva	$2,371
Pembridge	$2,690
Travelers	$2,760
Savings from top 4 cheapest quotes	$624

2025/06/12

Auto insurance shopper in BARRIE, ON
Vehicle: HYUNDAI ELANTRA GLS 4DR 2017
Aviva Journey	$1,488
Aviva	$1,652
Intact	$1,922
Wawanesa	$2,108
Savings from top 4 cheapest quotes	$620

How much does car insurance in Barrie cost?

The average cost for car insurance in Barrie is approximately $2,148 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. However, it is more expensive than cities in the rest of the province.

Here’s a breakdown of how much you can expect to pay:

Annually: $2,148
Semi-annually: $1,074
Quarterly: $537
Monthly: $179
Weekly: $41.31
Daily: $5.89

Rates are based on ThinkInsure customer quote data for Q1 2025 (Jan 1 to March 15, 2025).

Barrie auto insurance premium map

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

Sources: *
FSRAO

Barrie car insurance rates from 2019-2025

Many drivers are seeing higher premiums in 2025 than in previous years. 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
2025	$2,148
2024	$2,160
2023	$1,958
2022	$1,515
2021	$2,062
2020	$2,091
2019	$2,017
Average rate (2019-25)	$1,993

ThinkInsure Tip : Save more on car insurance by exploring key discounts

Maximize car insurance savings by bundling policies, insuring multiple vehicles, using winter tires, and inquiring about safe driver discounts (clean record required).

Barrie auto insurance premiums by driver type

Your driver status determines your payments for auto insurance. When setting premiums, providers consider factors such as age, demographics, driver classification, and driving record. We analyzed our Barrie customer quote data to examine how these factors affect your payments. Here's what we found:

	Premium	Monthly	Difference
Driver type
All drivers	$2,148	$179	0
Young drivers (25 and under)	$3,030	$253	41.06%
Middle age (25 - 50)	$2,322	$194	8.10%
Mature/senior drivers (50+)	$1,578	$132	-26.54%
High risk drivers	$6,751	$563	214.29%
Demographics
Male	$2,198	$183	2.33%
Female	$1,913	$159	-10.94%
Married	$1,921	$160	-10.57%
Single	$2,324	$194	8.19%
Driving record
Clean driving record	$2,148	$179	0.00%
1 ticket within the past 3 years	$2,985	$249	38.97%
1 accident in 3 years	$3,151	$263	46.69%
1 cancellation in 3 years	$2,546	$212	18.53%
1 suspension in 3 years	$2,602	$217	21.14%

***

Multi-vehicle policies save Barrie drivers even more

Got multiple cars? You could save big by insuring them all with the same company. Many insurers offer deals when you bundle. ThinkInsure customers in Barrie save on average $249 per vehicle when they have a multi-vehicle policy. Plus, it's way easier to deal with one policy.

Check with your current insurer or shop around to see what discounts they offer and if you qualify. Ask about the exact discount and any rules you need to follow.

	Average rate	Average rate per vehicle	Total savings	Savings per vehicle
1 car	$2,148	$2,148
2 cars	$3,299	$1,650	$498	$249

***

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	$2,148
Orillia	$1,650
Newmarket	$2,065
Uxbridge	$2,168
Aurora	$2,319

***

What areas in Barrie have the cheapest car insurance?

Your residential area within a city can impact 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	$2,224
South Barrie	L4N	$2,029
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

Why are Barrie car insurance rates expensive?

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 is some information that can help you better understand auto insurance in the area:

On average, Barrie has more young people. The median age is 38.7, compared to 40.4 in Ontario overall. Age is a factor all insurers consider when determining insurance premiums, which is why rates are higher.
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.
Barrie Today reported the city had more than 300 auto thefts in 2023. The main targets are the RAM 1500, Ford F-150, and Toyota Highlander.
Most residents drive about 15,000 kilometres per year. About 90% of people drive to work. The average commute for Barrie residents is 30.7 minutes, according to the CBC.
According to The Barrie Police Service Annual Report 2023, there were 5,858 collisions and three collision fatalities.

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 ensure 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 city's outskirts, 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 cautiously, and reconsider 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 in other cities?

It depends on where you live. Car insurance rates in Barrie are higher than the provincial average. It is about $100 per year more 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 shop 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 does ThinkInsure offer in Barrie?

ThinkInsure offers various types of car insurance to Barrie residents. We have coverage for all types of drivers and 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 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 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? If you're 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, 2025, for drivers with a clean driving record.

** Estimated prices are based on data entered by drivers from 2019-2025 with a clean driving record living in Barrie on ThinkInsure.ca.

*** Estimated premiums are based on data entered by individuals on ThinkInsure.ca from January 1, 2025, to March 31, 2025.

Nolan Wilson

Content Marketing Manager

Nolan is a content marketing manager and writer at ThinkInsure. He has 15+ years of experience in the insurance industry, working with brokerages and direct insurers to create compelling insurance content, specializing in auto, home, and commercial.

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