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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? 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.

Comparing rates with ThinkInsure could save you up to $500 or 30% on your next policy. Get a quote today to find savings on your coverage from the top auto insurance companies in Canada.

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Our Customer Reviews

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Kurai Sibanda

2021-09-24 00:24:58

Worked with Neil Sullivan. He provided an excellent service. Very professional and responsive. Highly recommend him

S G

2021-09-22 00:10:12

Neil was extremely helpful and went the distance. I trust ThinkInsure for good insurance rates. Thank you.

Pamela Ellis

2021-09-20 21:16:13

Rafael Torres is the broker to call for personal/business insurance needs at low rates & extremely quick. If your current insurance rates are continuing to climb, call Rafael at ThinkInsure for a quote.

Diana Ricaurte

2021-09-20 14:50:10

The company provided a great quality experience. Darryl Fardy helped and assisted me with any questions I had. He provided the information fast and there were no back and forth unlike with other insurance companies.

Kannagee Shanmugathaasan

2021-09-18 18:43:16

Neil Sullivan is did great job, timely response and very helpful. We enjoyed wonderful service from him. I will recommend to my friends and family

Stephanie N

2021-09-18 00:09:30

I was looking for a new insurance company, to get a better price. It took a quick phone call and a few emails with Rafael Torres. He is very professional and helpful! He found me a great price for a bundle. Everything was done very fast, and very efficiently. Thank you Rafael for your patience in dealing with me.

Odessa Lee

2021-09-15 18:17:41

We all know insurance sucks, but my recent experience with Darryl Fardy made it suck less. He’s professional without being stuffy and very efficient. He follows up when he says he will. That’s a first for me.

shirin habib

2021-09-15 13:40:55

I spoke to alot of insurance companies and the only one that was great with customer service was this one and Ryan was so quick to get back and help me

What Type of Auto Insurance Do I Need In Barrie?

Ontario has mandatory auto insurance, this includes Barrie. 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.

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

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. 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.
Combine your home and auto insurance with the same insurer.
Pay your premium in full rather than paying monthly.
Adjust your limits and deductible to match your driving 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 rates than many other cities in the province :

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 insurance in Barrie by postal code :

Area	Postal Codes	Premium (cheapest, most expensive)
Downtown Barrie, Craighurst, Grenfel	L4M	➜ Most expensive
South Barrie	L9J	➜ Cheapest

Driving In 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 you to have great car insurance coverage. Ensure your auto policy has the protection you need to drive safe.

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

What Are The Driving Conditions In Barrie?

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.

31 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

Barrie Traffic And Stats

Barrie has a population of 141,434 residents with a CMA of 197,059 as of the 2016 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.
Highway 400 is the primary route between Barrie and Toronto. A sizeable number of residents give the city on Lake Simcoe its bedroom community status, as they 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 80% 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 read 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 is fair share of wildlife. Be extra cautious when driving on the outskirts of the city, especially as 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 experience their 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 selection 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. Rates in Barrie are lower than the provincial average. It is cheaper than many other cities for auto insurance in Ontario. 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 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 cheapest rates available to you.

How Can I Get Cheap Auto Insurance In Barrie?

Whether you think you pay too much for insurance, your policy is up for renewal, or you simply want to explore your options, getting a quote is the best way to find affordable auto insurance. Quote comparisons allow 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. We have coverage for all types of drivers and all types of vehicles from the leading insurance companies. So no matter what needs are we can get you coverage and at the most affordable rates.

Save On Barrie Car Insurance

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