Skip to main content
Ratehub logo
Ratehub logo

Compare Barrie Car Insurance Quotes

Get personalized car insurance quotes from Canada's top providers in minutes, for free.

How car insurance in Barrie, Ontario works

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

Your lowest Barrie car insurance quote is just minutes away

  • Step 1: Share some information

    Tell us a little about yourself and your auto insurance needs

  • Step 2: Compare the rates

    We instantly show you dozens of quotes side-by-side from top providers

  • Step 3: Save money

    Choose your quote and secure your new rate online or via one of our licensed agents

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

Compare Barrie car insurance quotes and uncover the savings

In less than 5 minutes, you can compare multiple insurance quotes from Barrie's top personal auto insurers, for free.

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

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?

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

Why Ratehub.ca?

A few things we're proud of

  • 1,200,000

    monthly users

  • 9 years

    young

  • Over 1M

    better choices made

  • Trusted partner

    to Canada’s top financial institutions

How to get cheap car insurance in Barrie

  1. 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 with us is free.

  2. Stay with your current insurer

    Some Barrie auto 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.

  3. 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.

  4. 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.

  5. 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.

  6. 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

  7. 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.

  8. 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.

  9. Install winter tires

    You can save up to 5% simply by adding winter tires to your car in Ontario

Ready to compare car insurance in Barrie?

You're just a few clicks away from all the potential savings that could come with discovering your best car insurance rate.

FAQs for car insurance in Barrie

What are the best insurance companies in Barrie?

Which car has the lowest insurance in Barrie?

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

Author Bio

Matt Hands, Business Director of Insurance

Matt started his professional career at CARPROOF where he honed his marketing and analytical skills for over 3 years. Matt then took his wealth of experience to Ratehub.ca’s Toronto offices, working with insurance providers, agents, and brokers to grow and expand the Insurance business unit. He is a thought leader in the community and a valuable insurance resource to respected publications like the Globe & Mail, Toronto Star, Huffington Post, Yahoo News, and 680 news radio in Toronto.

read linkedin bio

The knowledge bank

A wealth of knowledge delivered right to your inbox

By submitting your email address, you acknowledge and agree to Ratehub.ca‘s Terms of Use and Privacy Policy. Contact us for more information. You can unsubscribe at any time.

About Ratehub

We help you find better financial products for your specific needs. Whether you need a mortgage, credit card, savings account, or insurance coverage, we get you the information you need to choose better.

How does Ratehub.ca make money?

Financial institutions pay us for connecting them with customers. This could be through advertisements, or when someone applies or is approved for a product. However, not all products we list are tied to compensation for us. Our industry leading education centres and calculators are available 24/7, free of charge, and with no obligation to purchase. To learn more, visit our About us page.

read more about us