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Looking for the best auto insurance rates in Barrie?

Are you looking for ways to save on auto insurance in Barrie and get lower rates? So are many other Barrie residents. Located about 100 kilometres north of the GTA, drivers in Barrie get some reprieve from high 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? Comparing rates with ThinkInsure could save you up to $500 or 30% on your next policy. Get a car insurance quote today to find savings on your coverage in Barrie from the top insurance companies in Canada. Keep reading to learn more about auto insurance in Barrie and how to save more on your coverage.

How to compare cheap car insurance quotes in Barrie

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5 star car insurance in Barrie

Rated 4.7 out of 5 stars in 1254 Google reviews

See what our car insurance customers in Barrie and across Ontario are saying about us.

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eugene

2022-11-24 02:16:08

Todd did an excellent job helping me to switch car insurance. It was a smooth process and thanks to him the very next day I was covered. I’ve recommended Todd to all my friends. Thinkinsure is a great place for all your insurance needs. Thank you! P.S. It’s winter in Canada! Get your winter tires installed.

Ronaldo Marquez

2022-11-23 01:14:52

Neil Sullivan was so accommodating. He will assist you patiently from the quote up to the necessary documents needed for approval..awesome experience..

Mathan Sivapatham

2022-11-22 20:49:58

Neil is a great help! Two years in a row, he's been super helpful at getting me the best quote.

Nick J

2022-11-19 16:25:34

Great friendly and knowledgeable staff. Kimberly handled me getting a new policy when i was in a difficult situation. Outstanding work on her part. I would recommend thinkinsure 110% for all your insurance needs.

Sharren Patterson

2022-11-18 06:19:48

In what seemed like an endless search for better car insurance rates, I was relieved beyond measure when Denise Snider Phillips from ThinkInsure helped me close the deal. I worked with other brokers/agents, and something always went wrong. Denise followed up, as promised and sent documents as promised (without any surprise increases). I was able to e-sign quickly and easily, and Denise sent the temporary pink slips. She even followed up to make sure I'd received them. I am truly impressed and will be calling her when it's time to manage our house insurance.

Ya'aqob Ben Israel

2022-11-17 22:32:59

He help me find an affordable price under critical circumstances

Charlie Dantuma

2022-11-15 22:13:03

Great company. I was in a bit of a situation with my last insurer and I went to these guys for some help. I ended up speaking with Kimberly and she walked me through everything step by step and helped me sort everything out. She also helped me get insured for the best price with the coverage I wanted. For sure will be recommending you to everyone.

Mary Ientile

2022-11-09 02:00:35

I had the pleasure of dealing with a lovely young lady by the name of Lisa. She went thru both of my tenant and auto policies thoroughly. I felt she genuinely cared and tried to get the best rate for me. I felt valued as a customer and not just a number. She took her time and was quite patient and listened to me and my concerns and explained everything to me. She is quite an asset to your company. I am going to refer the company to my family and friends. Once again thank you Lisa

What type of auto insurance do I need in Barrie?

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

Mandatory insurance

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.

Optional 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
Comprehensive
Specified perils
All perils

Choosing one or combining these optional coverages ensure you have protection from a wider range of perils.

Get more information about how car insurance works on our Ontario car insurance page.

Save time and money on Barrie car insurance

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 in Barrie. There are also lots of other ways to lower your premiums. 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.

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 rates than many other cities in the province, including car insurance in Toronto.

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

What is the most affordable area for car insurance in Barrie?

Your address matters. It’s a factor used by insurers to determine rates. Here are the most affordable and expensive areas for auto insurance in Barrie by postal code :

Area	Postal codes	Premium (Lowest, most expensive)
Downtown Barrie, Craighurst, Grenfel	L4M	➜ Most expensive
South Barrie	L9J	➜ Lowest

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 driving conditions

As a Northern Ontario city in the Greater Golden Horseshoe, Barrie is known for its potentially 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.

1 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 rates in the area :

On average, Barrie has more younger people. The median age in is 38.7 years, compared to 40.4 years in Ontario overall. Age is a factor all insurers consider when determining insurance rates.
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 auto insurance rates for all Barrie drivers.

Tips for driving in Barrie

Driving in Barrie requires the ability to drive in all types of conditions – city streets, highways, rural roads. Experience behind the wheel and a solid car 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 RV’s, 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 insurance 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 where you live. Car insurance rates in Barrie are lower than the provincial average. It is about $200 per year cheaper 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 more affordable 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 plans 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 are the best insurance companies in Barrie?

The list of the best car insurance companies in Barrie can change from person to person. The company that can offer you the best 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.

Save on Barrie car insurance

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

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