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.
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All drivers must carry the minimum amount of car insurance coverage to drive legally in Barrie. Here’s an outline of requirements:
All drivers must have the minimum amount of coverage - $200,000 in third-party liability insurance. This includes accident benefits, direct compensation property damage (DCPD), and uninsured automobile coverage. This is the minimum amount. Most Barrie residents bump up their auto insurance policy limits for added protection.
You can add policy endorsements and optional coverage for a fee. This extra protection gives you more protection and higher limits. Options include:
Choosing one or combining these optional coverages ensures you have protection from a wider range of perils.
Get more information about car insurance in Ontario and how your policy works.
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:
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.
2020 data from the Insurance Bureau of Canada
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 |
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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 with 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% |
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Here 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 |
****
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 |
***
Getting quotes from Canada's leading insurers like CAA, Aviva, Intact, Travelers and many more is quick, easy and free! Find a lower rate for auto insurance in Barrie today.
Get startedDriving 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:
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.
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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:
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:
There are many factors that affect auto insurance in Barrie, most notably:
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.
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.
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.
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.
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.
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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