See car insurance rates in Barrie, Ontario.

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)


Collision rate for the city

Average age

Average household income


Unemployment rate


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!

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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
  • Woodbridge: $3,603
  • Richmond Hill: $3,579
  • Mississauga: $3,474
  • Markham: $3,389
  • Hamilton: $3,201
  • Ajax: $3,053
  • York: $2,999
  • Toronto: $2,983
  • Barrie: $2,924
  • London: $2,765
  • Oakville: $2,720
  • Kitchener: $2,705
  • Windsor: $2,536
  • Burlington: $2,476
  • Gloucester: $2,256
  • Ottawa: $2,195

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.

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
  •, “Barrie resident wants end to Letitia’s bad rap”
  •, “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

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