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Car insurance Barrie, ON

Part of a series on car insurance rates in Ontario.

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Fast facts about auto insurance in Barrie

Average annual car insurance rate

Regular drivers in the city

Collisions per year (approximately)

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Collision rate for the city

Average age

Average household income

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Unemployment rate

Population

Understanding car insurance in Barrie, Ontario

In the heart of cottage country, Barrie attracts residents for the scenery, space, and lower cost of living compared to Toronto.

Like other mid-sized cities in Ontario, it doesn’t quite have the population density to fund public transit at every corner of the city. That means most people get around by driving, raising the overall amount of road exposure for most residents (and their car insurance rates, by extension). It correlates to the number of drivers on the road, even if the accident rate is fairly tame.

Balancing out that high amount of road exposure is Barrie’s incredibly low crime rate. As of the 2016 census, Barrie’s crime severity index was only 45.4, one of the lowest numbers in the country. This has a direct—and positive—effect on car insurance rates. Fewer instances of theft or break-ins means there’s a statistically lower chance that your vehicle will need to be repaired or replaced, hence the lower rates.

Barrie is also at the mercy of extreme winter weather, but work and life must still go on. Investing in winter tires and practicing winter driving seasonally will go a long, long way toward maintaining a claims-free record!

Get your bundle on & save!

Want even cheaper insurance? Save up to 50% on home and up to 18% on car insurance when you bundle them.

Busting myths about driving and insurance in Barrie

Myth: Your kids need to move out of town for post-secondary school.

Nope! Barrie is home to Laurentian University, and Georgian College is only a short drive away over in Orillia.

Insuring your children when they’re away in a different city makes all of us a little nervous, but if they go to school close by then you can keep them on your own policies for better overall savings.

Myth: Letitia Heights is dangerous for families.

Letitia Heights gets a bad reputation as the “troubled neighbourhood” in Barrie, but far fewer crimes are reported there than other parts of the city in general. A handful of high-profile incidents over the last decade or two have given it a poor image. The Barrie Police Force’s own crime map shows that Letitia Heights experiences a fraction of the crime rate of the downtown core, or even areas around Bayfield Mall.

Myth: Barrie can’t accommodate young professionals or the elderly.

Wrong again! Young professionals can commute to Toronto through the GO train if they don’t find opportunities locally. The city has also launched it’s “Age-Friendly Barrie” initiative to make the city more accessible for the elderly.

It’s an ongoing initiative and fairly recent, so expect to see accessibility developments to become more frequent.

Myth: Commuting to Toronto means you’ve escaped the snow belt.

Not a chance. Barrie’s residents are no strangers to winter, but sometimes people move here thinking that they can escape the harsh conditions while driving south into Toronto.

Unfortunately, the 400 has been the scene of many winter-related accidents despite the reliable maintenance work that goes into its upkeep. Get winter tires and drive defensively!

How Barrie’s rates compare to other cities in Ontario

  • North York: $4,261
  • Etobicoke: $4,199
  • Brampton: $4,071
  • Scarborough: $3,825
  • East York: $3,605
  • Woodbridge: $3,603
  • Richmond Hill: $3,579
  • Mississauga: $3,473
  • Markham: $3,389
  • Niagara Falls: $3,321
  • Bowmanville: $3,308
  • Peterborough: $3,259
  • Pickering: $ 3,245
  • Newmarket: $ 3,216
  • Hamilton: $3,201
  • Brantford: $ 3,158
  • Maple: $3,150
  • Whitby: $3,087
  • Ajax: $3,053
  • York: $2,999
  • Toronto: $2,983
  • Barrie: $2,924
  • Thornhill: $2,871
  • Waterloo: $2,867
  • Caledon: $2,780
  • London: $2,765
  • Fort Erie: $2,720
  • Oakville: $2,720
  • Sault Ste Marie: $ 2,713
  • Kitchener: $2,705
  • Milton: $2,680
  • St Catharines: $ 2,550
  • Windsor: $2,536
  • Woodstock: $2,513
  • Innisfil: $2,505
  • Burlington: $2,476
  • Kingston: $ 2,360
  • Cambridge: $2,297
  • Oshawa: $2,295
  • Guelph: $2,268
  • Gloucester: $2,256
  • Stoney Creek: $2,222
  • Nepean: $2,196
  • Ottawa: $2,195
  • Sudbury: $2,005
  • Kanata: $2,002
  • Thunder Bay: $1,973
  • Wasaga Beach: $1,958

Tips on insurance and driving in Barrie

Get coverage for trailers and campers.

Barrie is prime cottage country. It makes sense to cover everything you need to live there (and get there), too.

Chances are good that a friend or family member owns a cottage, a boat, a trailer, camper, or even an ATV. All of them should be insured to protect your investments—especially when you want to let go of the stresses of work and the daily grind.

Don’t make downtown a part of your daily commute for a while.

The City of Barrie is undergoing a downtown revitalization project to improve infrastructure, promote foot traffic, and to improve the look and feel of the downtown core as a whole. That means you’ll need to avoid construction, specifically around Dunlop Street, the city’s flagship avenue. Stores will be open, even though construction is set to continue into Summer 2020.

Commuting to Toronto? Take the GO train in Urban North.

This isn’t just to save time. By eliminating all of that time spent driving on the road directly, you can reduce your car insurance rates by a significant margin. Part of your rate is determined by the amount of exposure from the road, which correlates very closely to the distance and time travelled. Taking a train or bus into Toronto eliminates 90% of your driving exposure in one swoop. Imagine the gas savings, too.

Barrie is incredibly safe, so don’t worry about avoiding “bad” neighbourhoods.

Barrie’s crime severity index was just 45.4 in 2016, making it one of the safest cities in Canada. Sure, it has crime—every city does. But the crime severity index is so low that it leaves other cities in the dust. Even the reputation of Letitia Heights isn’t founded on data, and the people who live there feel safe walking around at night.

Barrie Insurance FAQs

What Are The Main Things Affecting My Auto Insurance Premiums In Barrie?

Living in Barrie means you and your family probably need to drive more and rely less on public transit, which can increase what you pay for insurance, especially if you commute on the 400 in winter weather. 

On the other hand, Barrie’s relatively low collision and even lower crime rates make your city a more affordable place to purchase insurance than most Ontario municipalities. 

Remember that your location is just one factor that insurance companies use to determine your auto insurance rates. 

The answers to these questions can have an even bigger impact on what you pay for insurance: 

  • How old are you? 
  • How long have you been driving? 
  • Do you have recent accidents or tickets on your driving record
  • Has there ever been a gap in your auto insurance coverage? 
  • Do you have secondary drivers on your policy?
  • Do you have young drivers on your policy? 
  • How much is your vehicle worth, and does it have a high safety rating
  • How high are you willing to set your insurance deductible? 
  • Have you added additional coverages to your legally required insurance? For example, comprehensive or collision coverage
  • Are you eligible for savings from a home and auto policy bundle, student or low-mileage driver discounts? 
  • Do you shop around to find the best insurance rates before your policy renews? 

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

Cheap insurance isn’t necessarily worth it if you don’t have enough coverage to cover the costs of an accident. 

It’s mandatory to have at least $200,000 worth of third-party liability insurance in Ontario. However, we recommend securing $1 million or more in coverage because medical liability claims can easily surpass the $200,000 minimum. Fortunately, increasing your third-party liability insurance won’t increase your insurance premiums by a significant amount for most drivers. 

Moreover, the insurer offering the best car insurance rate to your neighbour might not be the same company that can give you the best and most affordable coverage. 

In addition to your address, insurers need specific information about you, other drivers on your policy, your vehicle/s and your driving habits so they can determine your insurance rates. 

Insurance companies use similar but not identical formulas to calculate how much they’ll charge for coverage. Different insurers also specialize in insuring different types of drivers. That’s why it’s so important to shop around and work with a broker for the best auto insurance for your unique circumstances, whether you live in Barrie, Toronto or Ottawa. 

Aha insurance is a brokerage that works with multiple insurance providers to find you the best coverage option. It only takes a few minutes to get a quote online or over the phone. 

What are car insurance rates for high-risk drivers in Barrie?

Car insurance will always be more expensive for drivers with records that feature a high number of collisions or driving convictions.

You will need to purchase high-risk ( also known as facility or non-standard car insurance) if your insurer decides you can’t be covered under a standard auto policy and cancels your coverage.

As with standard policies, the price of facility insurance varies based on the frequency and severity of marks against your record, such as at-fault accidents, speeding tickets, or convictions for reckless driving and driving under the influence of drugs or alcohol.

In Ontario, high-risk auto insurance typically costs 2-3 times more than standard auto coverage. The good news is securing facility insurance will allow high-risk drivers in Barrie to start rebuilding their reputation as safe drivers.

Looking For The Best Auto Insurance Rates In Barrie?

Here’s our advice to ensure you have access to the best coverage for the most affordable rates in Barrie: 

  • Cut down on your commuting distance by taking GO transit.
  • Drive a safe and reliable vehicle. 
  • If you drive an older car, consider reducing your collision coverage if the value of your vehicle has depreciated significantly. 
  • If you could afford to pay more after a claim, you can increase your deductible to pay slightly less for your premiums. 
  • Talk with your insurer about discounts for students, driver training courses, low-mileage drivers and safety features such as winter tires. 
  • Work with an insurance broker who represents multiple companies to help you find the best coverage. 
  • Purchase home owner’s or renter’s insurance and bundle it with your auto insurance policy. 

We can help you get up to 50% off home and up to 18% off car insurance when you bundle your coverage.

 

Sources for facts about Barrie:

  • Statistics Canada, 2016 Profile, Barrie
  • Ministry of Transportation, 2016 Road Safety Report
  • My Urban North, “Living in Barrie Ontario”
  • Crime Severity Index, 2016 Census
  • Crime Map of Barrie, Barrie Police Force
  • Simcoe.com, “Barrie resident wants end to Letitia’s bad rap”
  • Barrie.ca, “Age-Friendly Barrie”
  • Global News, “Dunlop Street to undergo construction to give downtown Barrie a face lift”

Source for average insurance rates by city:

  • Survey of 2,800 auto insurance policy holders in Ontario

Google Rating: 4.8

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