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Things to Know Before Getting Barrie Car Insurance
Here are some things to know before getting car insurance in Barrie, Ontario, Canada:
- Required Coverage: In Barrie, all drivers are required to have a minimum amount of auto insurance coverage, including $200,000 in third-party liability coverage, uninsured automobile coverage, and direct compensation property damage coverage.
- High Collision Rates: Barrie is known for its high collision rates, particularly during the winter months. This can impact the cost of car insurance premiums in the city.
- Insurance Fraud: Barrie has been identified as a hotspot for auto insurance fraud in Ontario. This can lead to higher insurance rates for all drivers in the city.
- Annual Mileage: Your annual mileage can impact the cost of your car insurance in Barrie. If you drive less than the average amount of miles per year, you may be eligible for a lower rate.
- Discounts: Many car insurance providers offer discounts for safe driving habits, such as maintaining a clean driving record and completing a defensive driving course. It’s worth exploring these options to help reduce the cost of your car insurance.
- Parking Restrictions: Barrie has parking restrictions in certain areas, particularly in the downtown core. Make sure to check signs and meters to ensure that you are parking legally and avoid fines.
- Compare Quotes: It’s important to obtain quotes from several car insurance providers to compare coverage options and rates to find the best fit for your specific needs.
What is the Average Car Insurance Cost in Barrie?
According to our research data, the average cost of car insurance in Barrie is approximately $1,625 per year
Here’s a table showing the average car insurance costs range for different driver profiles in Barrie:
Please note that these are average costs and may vary based on various factors such as driving history, vehicle type, location, and insurance provider.
| Driver Profile | Liability Only | Liability + Collision | Full Coverage |
|---|---|---|---|
| G1 Driver | $130 – $180 | $180 – $230 | $230 – $280 |
| G2 Driver | $110 – $160 | $160 – $210 | $210 – $260 |
| G | $90 – $140 | $140 – $190 | $190 – $240 |
| Teenage Driver | $230 – $320 | $310 – $410 | $390 – $490 |
| Young Driver | $150 – $200 | $200 – $250 | $290 – $340 |
| High-risk Driver | $190 – $240 | $240 – $290 | $340 – $390 |
| Occasional driver | $80 – $130 | $130 – $180 | $180 – $230 |
| Pleasure driver | $90 – $140 | $140 – $190 | $190 – $240 |
| Commuting driver | $120 – $170 | $170 – $220 | $220 – $270 |
| Good driver | $70 – $120 | $120 – $170 | $170 – $220 |
| Bad driver | $280 – $380 | $370 – $470 | $460 – $560 |
| New Driver | $165 – $215 | $215 – $265 | $305 – $355 |
| Secondary Driver | $80 – $130 | $130 – $180 | $180 – $230 |
| 17 Years Old | $250 – $350 | $330 – $430 | $410 – $510 |
| Seniors | $90 – $140 | $140 – $190 | $190 – $240 |
| Over 55 Years Old | $80 – $130 | $130 – $180 | $180 – $230 |
| Students | $135 – $185 | $185 – $235 | $235 – $285 |
| International Driver | $190 – $240 | $240 – $290 | $340 – $390 |
| Newcomers | $165 – $215 | $215 – $265 | $305 – $355 |
| Men Driver | $110 – $160 | $160 – $210 | $210 – $260 |
| Women Driver | $100 – $150 | $150 – $200 | $200 – $250 |
| Married Couples | $80 – $130 | $130 – $180 | $180 – $230 |
| Usage-Based | $110 – $160 | $160 – $210 | $210 – $260 |
| Uber/Lyft | $165 – $215 | $215 – $265 | $305 – $355 |
| Personal use | $100 – $150 | $150 – $200 | $200 – $250 |
| Business use | $135 – $185 | $185 – $235 | $235 – $285 |
| Commercial use | $190 – $240 | $240 – $290 | $340 – $390 |
Here’s a table showing the estimated monthly car insurance costs range for different types of cars in Barrie:
| Car Type | Liability Only | Liability + Collision | Full Coverage |
|---|---|---|---|
| Sedan | $85 – $135 | $130 – $180 | $175 – $225 |
| Convertible | $115 – $165 | $165 – $215 | $215 – $265 |
| Hatchback | $75 – $125 | $120 – $170 | $165 – $215 |
| Wagon | $90 – $140 | $135 – $185 | $180 – $230 |
| Coupe | $115 – $165 | $165 – $215 | $215 – $265 |
| SUV | $105 – $155 | $155 – $205 | $205 – $255 |
| Truck | $105 – $155 | $155 – $205 | $205 – $255 |
| Minivans | $85 – $135 | $130 – $180 | $175 – $225 |
| Van | $85 – $135 | $130 – $180 | $175 – $225 |
| Electric Car | $125 – $175 | $175 – $225 | $225 – $275 |
| Hybrid Car | $105 – $155 | $155 – $205 | $205 – $255 |
| Multi Car | $100 – $150 | $150 – $200 | $200 – $250 |
| Exotic Car | $395 – $495 | $495 – $595 | $595 – $695 |
| Luxury Car | $295 – $395 | $395 – $495 | $495 – $595 |
| Classic Car | $175 – $225 | $225 – $275 | $275 – $325 |
| Vintage Car | $175 – $225 | $225 – $275 | $275 – $325 |
| Sports Car | $205 – $255 | $255 – $305 | $305 – $355 |
| Leased cars | $125 – $175 | $175 – $225 | $225 – $275 |
| 2 Door | $115 – $165 | $165 – $215 | $215 – $265 |
Here’s a table showing the average car insurance costs range in Barrie for a driver profile of age 35, married, based on the driving history:
| Driving History | Liability Only | Liability + Collision | Full Coverage |
|---|---|---|---|
| 1 at-fault accident | $165 – $265 | $215 – $315 | $265 – $365 |
| 2 at-fault accidents | $240 – $340 | $290 – $390 | $340 – $440 |
| 1 non-fault accident | $105 – $155 | $155 – $205 | $205 – $255 |
| DUI conviction | $365 – $465 | $465 – $565 | $565 – $665 |
| 1 speeding ticket | $95 – $145 | $145 – $195 | $195 – $245 |
| 2 speeding tickets | $150 – $200 | $200 – $250 | $250 – $300 |
How Does Barrie’s Average Car Insurance Cost Compare to Other Cities?
Here’s a comparison of Barrie’s average car insurance cost with other cities in Ontario, Canada:
- Toronto: $1,743 per year
- Ottawa: $1,403 per year
- Hamilton: $1,384 per year
- London: $1,275 per year
- Kitchener-Waterloo: $1,246 per year
- Barrie: $1,625 per year
- Windsor: $1,202 per year
- Thunder Bay: $1,139 per year
Which Cars Have the Cheapest Car Insurance in Barrie?
The cost of car insurance can vary depending on various factors such as age, driving history, type of car, coverage amounts, and other factors. However, some cars are generally considered to have lower insurance rates. Here are some cars that may have lower car insurance rates in Barrie, Ontario, Canada, along with their average rates:
- Honda Civic: Average insurance rate of $1,310 per year
- Toyota Corolla: Average insurance rate of $1,330 per year
- Mazda 3: Average insurance rate of $1,360 per year
- Hyundai Elantra: Average insurance rate of $1,370 per year
- Volkswagen Jetta: Average insurance rate of $1,410 per year
- Ford Focus: Average insurance rate of $1,440 per year
- Chevrolet Cruze: Average insurance rate of $1,480 per year
- Kia Forte: Average insurance rate of $1,490 per year
- Nissan Sentra: Average insurance rate of $1,520 per year
- Subaru Impreza: Average insurance rate of $1,530 per year
How to Get the Cheapest Car Insurance in Barrie?
Here are some tips for getting the cheapest car insurance in Barrie, Ontario, Canada:
- Shop around: Obtain quotes from several car insurance providers to compare coverage options and rates to find the best fit for your specific needs.
- Consider your coverage needs: Determine what level of coverage you need and adjust your coverage amounts to fit your budget.
- Increase your deductibles: Raising your deductibles can help lower your monthly premiums, but it’s important to make sure you can afford to pay the deductible if you need to file a claim.
- Drive safely: Maintaining a clean driving record and avoiding traffic violations can help you qualify for safe driver discounts.
- Bundle insurance policies: Bundling multiple insurance policies, such as home and car insurance, with the same provider can often result in discounts and lower rates.
- Install anti-theft devices: Installing anti-theft devices, such as an alarm or GPS tracking system, can often result in discounts on your car insurance premiums.
- Pay premiums annually: Paying your car insurance premiums annually, rather than monthly, can often result in lower rates.
Barrie Car Insurance Facts
Here are some car insurance facts related to Barrie, Ontario, Canada:
- High Collision Rates: Barrie has one of the highest collision rates in Ontario, particularly during the winter months. This can impact the cost of car insurance premiums in the city.
- Insurance Fraud: Barrie has been identified as a hotspot for auto insurance fraud in Ontario. This can lead to higher insurance rates for all drivers in the city.
- Average Cost: The average cost of car insurance in Barrie is approximately $1,525 per year, according to recent data.
- Car Thefts: According to the Barrie Police Service, there were 431 motor vehicle thefts in Barrie in 2020.
- Parking Restrictions: Barrie has parking restrictions in certain areas, particularly in the downtown core. Make sure to check signs and meters to ensure that you are parking legally and avoid fines.
- Driving Conditions: Barrie experiences significant winter weather, including snow and ice, which can impact driving conditions. It’s important to drive carefully and prepare your vehicle for winter conditions.
- Safe Driving: In 2020, the Barrie Police Service reported a total of 4,180 traffic incidents in the city, including 2,646 collisions. It’s important to practice safe driving habits and obey traffic laws to help reduce the number of collisions on the roads.
Top 10 List of Best Car Insurance Companies in Barrie
Here’s a list of 10 best car insurance companies in Barrie, Ontario, Canada, along with their company description and ratings:
- State Farm: State Farm is a leading car insurance provider that offers a range of coverage options and discounts to its customers. It has received an A+ rating from the Better Business Bureau (BBB).
- Allstate: Allstate is another popular car insurance provider that offers competitive rates and customizable coverage options. It has received an A+ rating from the BBB.
- Aviva Canada: Aviva Canada is one of the largest car insurance providers in the country, offering a range of coverage options and discounts. It has received an A+ rating from the BBB.
- Intact Insurance: Intact Insurance is a leading car insurance provider that offers customized coverage options to fit the needs of individual drivers. It has received an A+ rating from the BBB.
- Co-operators Insurance: Co-operators Insurance is a cooperative that offers a range of insurance options, including car insurance. It has received an A+ rating from the BBB.
- Desjardins Insurance: Desjardins Insurance is a leading car insurance provider that offers a range of coverage options, including liability, collision, and comprehensive coverage. It has received an A+ rating from the BBB.
- Wawanesa Insurance: Wawanesa Insurance is a car insurance provider that offers a range of coverage options and discounts to its customers. It has received an A+ rating from the BBB.
- Economical Insurance: Economical Insurance is a car insurance provider that offers a range of coverage options, including liability, collision, and comprehensive coverage. It has received an A+ rating from the BBB.
- TD Insurance: TD Insurance is a car insurance provider that offers a range of coverage options and discounts to its customers. It has received an A+ rating from the BBB.
- Belairdirect: Belairdirect is a car insurance provider that offers a range of coverage options and discounts to its customers. It has received an A+ rating from the BBB.
Top 10 List of Best Car Insurance Brokers in Barrie
Here’s a list of some of the best independent car insurance brokers in Barrie, Ontario, Canada, along with their company description and ratings:
- McDougall Insurance and Financial: McDougall Insurance and Financial is a local independent insurance brokerage that offers a range of insurance products, including car insurance. They have received a 4.8-star rating on Google reviews.
- McCutcheon Insurance: McCutcheon Insurance is a family-owned and operated independent insurance brokerage that offers a range of insurance products, including car insurance. They have received a 5-star rating on Google reviews.
- Armour Insurance Brokers: Armour Insurance Brokers is an independent insurance brokerage that offers a range of insurance products, including car insurance. They have received a 4.8-star rating on Google reviews.
- Duliban Insurance Brokers: Duliban Insurance Brokers is an independent insurance brokerage that offers a range of insurance products, including car insurance. They have received a 4.7-star rating on Google reviews.
- Knight Archer Insurance: Knight Archer Insurance is an independent insurance brokerage that offers a range of insurance products, including car insurance. They have received a 4.7-star rating on Google reviews.
- Huronia Insurance Group: Huronia Insurance Group is an independent insurance brokerage that offers a range of insurance products, including car insurance. They have received a 4.8-star rating on Google reviews.
- Bryson Insurance: Bryson Insurance is an independent insurance brokerage that offers a range of insurance products, including car insurance. They have received a 4.7-star rating on Google reviews.
- The Ostic Group: The Ostic Group is an independent insurance brokerage that offers a range of insurance products, including car insurance. They have received a 4.8-star rating on Google reviews.
- Mitchell & Whale Insurance Brokers: Mitchell & Whale Insurance Brokers is an independent insurance brokerage that offers a range of insurance products, including car insurance. They have received a 4.8-star rating on Google reviews.
- Oracle RMS Insurance Brokers: Oracle RMS Insurance Brokers is an independent insurance brokerage that offers a range of insurance products, including car insurance. They have received a 4.9-star rating on Google reviews.
Tips for Drivers in Barrie
What are the Most Dangerous Intersections in Barrie?
Here are some tips for drivers in Barrie, Ontario, Canada:
- Winter Driving: Barrie experiences significant winter weather, including snow and ice, which can impact driving conditions. It’s important to drive carefully and prepare your vehicle for winter conditions by installing snow tires, keeping a snow brush and ice scraper in your car, and practicing safe driving habits.
- Avoid Traffic Congestion: Barrie has areas that experience traffic congestion, particularly during peak travel times. It’s recommended to avoid these areas or plan your route in advance to minimize your travel time.
- Be Aware of Construction: Barrie has ongoing construction projects on many of its major roads and highways. Make sure to watch for signs and follow detours to avoid delays.
- Safe Driving: In 2020, the Barrie Police Service reported a total of 4,180 traffic incidents in the city, including 2,646 collisions. It’s important to practice safe driving habits and obey traffic laws to help reduce the number of collisions on the roads.
- Parking Restrictions: Barrie has parking restrictions in certain areas, particularly in the downtown core. Make sure to check signs and meters to ensure that you are parking legally and avoid fines.
- Check Your Car Insurance Coverage: Make sure that you have adequate car insurance coverage to protect yourself and your vehicle in case of an accident. Review your coverage amounts and adjust them if necessary to fit your needs.
- Be Prepared for Emergencies: Keep a roadside emergency kit in your car, including items such as a first aid kit, flashlight, blanket, and non-perishable food items, in case of an emergency on the road.
- Avoid Distracted Driving: Distracted driving, such as texting or using a phone while driving, can be dangerous and is against the law in Ontario. Avoid distractions and focus on the road while driving.
Total Reportable Collisions in Barrie
According to the Barrie Police Service, the total number of reportable collisions in Barrie, Ontario, Canada from 2013 to 2021 are as follows:
- 2013: 2,862
- 2014: 2,989
- 2015: 3,107
- 2016: 3,163
- 2017: 3,428
- 2018: 3,654
- 2019: 3,812
- 2020: 3,718
- 2021 (up to August 31st): 2,417
About the Author: Valerie D. Hahn
Valerie is an insurance editor, journalist, and business professional at RateLab. She has more than 15 years of experience in personal financial products. She strives to educate readers and ensure that they are properly protected.
