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How car insurance in Barrie, Ontario works

Matt Hands, VP, Insurance and MoneySense

Barrie is regarded by many as the city that separates Toronto from the north’s cottage country. Yes, Highway 400 runs right up the middle of Barrie, making for a frustrating drive for residents on busy holiday weekends, but with one of the fastest-growing populations in Canada, Barrie offers much more.

Savvy Barrie drivers know they can use highways 26 and 11 to move about their city to visit the lovely waterfront or one of the downtown hotspots. That’s not to say it’s easy to drive in Barrie – according to one study almost 90% of residents commute to work in a car, that’s a lot of traffic.

If you're driving in Barrie, be sure to have snow tires. Barrie lies in the snow belt region gets pelted with huge downfalls of snow.

Car insurance in Barrie, and across Ontario is a requirement for all drivers. To operate a vehicle in Barrie you must have insurance. To get the best car insurance in Barrie it's critical to understand how it works.

To lead off, Barrie operates in a no-fault insurance system. No-fault means you only ever deal with your own insurance company for a claim or following an accident, not that you can't be found at-fault following a crash.

All Ontario auto insurance is provided by private insurance carriers. Those companies are regulated by the Financial Services Regulatory Authority of Ontario (FSRAO). FSRAO ensures rate increases are substantiated. In plain words, no Barrie insurance company can raise rates without prior approval.

Available Barrie car insurance coverage is broken down into two categories - mandatory and optional.

Mandatory auto insurance coverage includes:

Third-party liability - in case you injure someone or damage their property
Accident benefits - personal medical benefits following a crash
Uninsured automobile insurance - should the other driver not have insurance
DCPD - a method for insurance companies to process claims

Optional car insurance coverage includes:

Collision insurance - pays to repair or replace your vehicle after a crash
Comprehensive car insurance - covers your parked vehicle from falling trees, vandalism, and theft
Specified perils - Customize your policy against specific risks like fire, flood, or lightning
All perils - Combining collision and comprehensive and a few more protections

Also available in any city in Ontario are Optional Policy Change Forms (OPCF) which are coverage enhancements. Here are 4 common Ontario endorsements.

OPCF 20 - covers the cost of a rental vehicle while yours is being repaired or replaced
OPCF 27 - Ports your existing insurance to a rental car or car you borrow
OPCF 39 - Your insurer forgives your first accident claim so it doesn't impact your insurance rate
OPCF 43 - Removes depreciation in calculating the value of your car when settling a claim

Mandatory coverage for auto insurance in Barrie

Mandatory insurance is mostly about protecting you from damage you may cause to others and their property. Protecting you personal car is available with optional coverages.

Third-party liability

Accident benefits

Uninsured motorist

Direct compensation property damage

Optional coverage for auto insurance in Barrie

The below coverages are optional, unless you lease your car and your lessor requires them. Typically, new cars will get the optional coverages.

Collision insurance

Comprehensive

Emergency roadside assistance

Specified perils

All perils

Compare Barrie car insurance quotes for free.

In less than 5 minutes, you can compare multiple insurance quotes from Barrie's top personal auto insurers. See how much you can save on your next policy today.

How much is car insurance in Barrie?

The average cost of car insurance in Barrie is near the provincial average of $1,505 per year. But, there are many factors that go into a Barrie car insurance quote beyond just the location. Could you be paying less?

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Insurance companies in Barrie

Company	Address	Phone
Allstate	421 Bryne Dr #2, Barrie, ON L4N 6C8	(705) 300-9697
CAA	70 Barrie View Drive Unit #2 Barrie, ON, L4N 8V4	(705) 726-1803

Direct insurance companies may be experts on auto insurance products, but don’t necessarily give you the best rate on the market. By providing us with a few details, we can compare auto insurance quotes from Canada’s top providers, allowing you to select the cheapest option possible. We’ll also connect you with a licensed Barrie insurance broker to guide you through the process of obtaining your policy.

Factors that impact your Barrie car insurance rates

It pays to shop around to find cheap car insurance in Barrie. Even though an insurance application is fairly standard you will find that different insurance companies offer different rates based on their existing users, the number of active claims on their fiscal books, and overall risk tolerance calculations. Furthermore, there are several factors beyond your control that impact a risk tolerance calculation, like if you live in an area with higher than average levels of insurance fraud. Here are seven factors auto insurance companies consider before offering personal car insurance in Barrie:

Driver demographics

Where you live

Vehicle type

Driving history

Driving activity

Type of insurance coverage

Applicable discounts

How to get cheap car insurance in Barrie

Shop and compare
Research which company provides cheap car insurance in Barrie, and also the best value for you and your vehicle. Rates may change up to four times a year, but lucky for you comparing Barrie car insurance quotes with us is free.
Stay with your current insurer
Some Barrie car insurance companies will give loyalty discounts to drivers who remain active with them for years. Especially if they add family members or multiple vehicles to their policy.
Bundle your policies
If you use the same insurance company for both your home and auto insurance needs, your insurer will often thank you with a dip in premiums.
Get a multi car discount
If you have multiple drivers and vehicles in the same household, by putting them all on one policy can save you money.
Increase your deductible
Your deductible is the portion you pay when settling a claim before your insurer will pay the rest. If you’re willing to double your deductible, it could save you money.

Ask about discounts
If you’re a member of a large corporation, union, or a school alumnus, it could help you get cheaper Barrie car insurance.
Pay premiums annually, instead of monthly
Paying monthly adds administrative costs to your insurer, so if you’re able to pay in full annually you can lower your premiums.
Maintain a good driving record
If you’re a safe driver, obey the rules of the road and drive according to road conditions you can reduce your chances of an accident. Car crashes stay on your insurance record for up to ten years and can result in higher premiums.
Install winter tires
You can save up to 3-5% simply by adding winter tires to your car.

Ready to get a free Barrie car insurance quote today?

By comparing quotes from Canada's top insurance companies to find your best rate can potentially save you hundreds of dollars annually.

FAQs for car insurance in Barrie

What are the best insurance companies in Barrie?

The best car insurance companies in Barrie are thought to be big players like Aviva, CAA, and Intact. However, the real question is what is the best insurance company for you. To understand that, it's useful to compare insurance quotes and then see if the company values align with your own. Don't always trust insurance reviews, they can be deceiving with upset customers not understanding their coverage. The best quote is not necessarily the cheapest, but one that fits your needs and unique situation.

Which car has the lowest insurance in Barrie?

The car you drive is important, but not the only factor that goes into your Barrie insurance quote. However, an inexpensive, used car with good safety ratings typically result in cheaper insurance costs. Minivans and SUVs can be cheaper than sedans because of their risk profile based on the average drivers of those vehicles. In other words, experienced drivers who may have a family tend to drive more cautiously. Here is our list of the cheapest cars and the cost to insure.

Where do I get the cheapest car insurance quotes in Barrie?

Insurance companies charge based on risk. If they have a high number of risky clients, they'll balance it out by offering lower car insurance to safer drivers. So, finding cheap car insurance in Barrie depends on many factors, including the current status of the insurance provider themselves.

Insurance companies aren't in the business of winning on price alone, they market their values, ease-of-use, and the discounts they've worked out with different groups like unions or university alumni.

Still, as much as you want to save money, you probably don't want cheap car insurance. Ideally, you find the right price for the coverage you desire.

Cheap car insurance can cost you much more if you're in an accident. Use our quote to find your best price. We'll connect you with Barrie car insurance brokers to finalize the deal and explain all the coverage details so you get exactly what you want without sacrificing your safety.

Matt Hands, Business Director of Insurance

With 6+ years of experience at Ratehub.ca, Matt’s focus has been on growing its newest business unit, Insurance. He is a thought leader and a valuable resource to respected publications across Canada. read full bio

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