Cheap Barrie Car Insurance Quotes

Barrie drivers save $662* on average by comparing quotes on InsuranceHotline.com

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Taras Trofimov

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Taras Trofimov About Taras Trofimov

As a content manager at InsuranceHotline.com, Taras specializes in home insurance, having collaborated with experts to fully familiarize himself with the industry. 

 

He has more than nine years of experience in content marketing across a variety of industries in B2C and B2B spaces. Has created thought leadership content for organizations like Constellation Software, Yellow Pages and Facebook and outlets such as Huffington Post and MSN Canada

 

He graduated from York University with a Bachelor of Arts degree in Film Studies and also studied Technical Communication at Seneca College — the co-op program that introduced him to the world of content marketing. 

Content Manager

Updated On

June 11, 2024

Mandatory & optional auto insurance coverage in Barrie

Insurance typeMandatory coverageOptional coverage
Third-Party Liability$200,000 minimum. Provides coverage in the event of a lawsuit resulting from an accident where you are at fault.Coverage can be increased to $500,000, $1 million, or $2 million, with up to $2 million limit.
Uninsured Automobile InsuranceProvides up to $200,000 in coverage if you are injured or killed by an uninsured driver, or if your vehicle is damaged as a result of a hit-and-run by an unidentified, uninsured motorist.Family Protection Coverage is an optional coverage that includes additional coverage of up to $1 million in the case of a hit-and-run by an uninsured motorist.
Statutory Accident BenefitsProvides coverage if you are injured in an accident, regardless of who is at fault. Covers medical expenses that aren’t covered by OHIP.Coverage limits can be increased.
Direct Compensation-Property Damage (DC-PD)OptionalDCPD is included in all standard insurance policies, but Ontario drivers can apply to remove it. DCPD pays to repair or replace your car if you're in a collision where the other driver is at fault. You lose this coverage by removing DCPD, as well as your ability to sue the other driver for repairs. 
Collision Coverage (Also Upset Coverage)OptionalCovers the costs of repairing or replacing your vehicle following a collision with another vehicle, an object, or property.
Comprehensive coverageOptionalCovers damages caused by named perils identified under the Specified Perils coverage, as well as losses from other perils like falling or flying objects, theft, fire, hail, windstorms, missiles, and vandalism.
Specified Perils CoverageOptionalCovers damages caused by named perils such as theft, attempted theft, explosions, natural disasters like fire, lightning, windstorm, hail, rising water, earthquakes, and other perils specified in your policy. Specified perils do not cover damages due to vandalism, breakage of glass, etc.
All-Perils CoverageOptionalCombines collision/upset and comprehensive coverage. Also, provides additional protection if a household member or an employee steals your vehicle.
OPCF 20: Coverage for Transportation ReplacementOptionalCovers the cost of your transportation replacement and rental car insurance if you were to get into a car accident or if your vehicle is stolen.
OPCF 27: Liability for Damage to Non-Owned Automobile(s)OptionalCovers if you damage a borrowed or rental vehicle. The coverage limit is usually around $25,000 to $50,000.
OPCF 39: Accident Waiver/ForgivenessOptionalProtect your premium from rising when you have your first at-fault accident.
OPCF 16: Suspension of coverageOptionalThis allows you to suspend your insurance coverage for 30 days or more during periods when you aren't using the car.
OPCF 43: Waiver of depreciationOptionalEnsures your insurance company won't factor in depreciation when settling a claim; you will receive the amount you initially paid for the car.
OPCF 44R: Family protection coverageOptionalEnsures your costs are covered if you and your family are involved in an accident with a driver with less liability insurance than you. This endorsement will cover the remainder.
OPCF 13C: Limited glassOptionalFor a lower premium, you can limit or exclude any coverage for glass damage that might've been in your policy.
OPCF 40: Fire and theft deductibleOptionalAdds a deductible (an amount you must pay before your insurance company chips in funds) for a theft or fire damage claim.

Shopping for Barrie car insurance quotes

Barrie is a City of Drivers

According to 2016 Census data from Statistics Canada, Barrie clocks in at almost 200,000 residents. The vast majority, 82.1 per cent, of the population is old enough to drive (16 and older). If you live in the Barrie area and are looking to save some money on your auto insurance, InsuranceHotline.com is here to help. Our mission is to help you find the coverage you need at the best available rate.
 

 

When it comes to car insurance, it pays to shop around. The cost to insure the same driver and vehicle can differ among insurance companies. In some cases the difference in cost can vary by hundreds and even thousands of dollars. InsuranceHotline.com is your one stop shop for finding a better rate. Compare car insurance quotes to find out how much you could be saving on your auto insurance.

Sample car insurance quotes completed for drivers in Barrie, Ontario

Below are real quotes that were recently completed on InsuranceHotline.com by drivers living in Barrie, Ontario:

Annual Savings: $100

Driver: Male, age 32, Barrie, ON

Driving: 2016 Honda Civic 4DR

Current Rate: $1,600

Lowest Rate Available: $1,500

Insurance Company: Chieftain Insurance

Annual Savings: $507

Driver: Female, age 56, Barrie, ON

Driving: 2015 Toyota Corolla LE 4DR

Current Rate: $1,700

Lowest Rate Available: $1,193

Insurance Company: Zenith Insurance

Annual Savings: $324

Driver: Male, age 36, Barrie, ON

Driving: 2009 Volkwagen Golf GTI 2DR

Current Rate: $2,000

Lowest Rate Available: $1,676

Insurance Company: RBC Insurance

Annual Savings: $94

Driver: Female, age 29, Barrie, ON

Driving: 2012 Mazda Mazda3 iSV 4DR

Current Rate: $2,100

Lowest Rate Available: $2,006

Insurance Company: ING Insurance

Annual Savings: $172

Driver: Female, age 23, Barrie, ON

Driving: 2009 Ford Explorer Sport 4DR

Current Rate: $2,900

Lowest Rate Available: $2,728

Insurance Company: Economical Insurance

Annual Savings: $564

Driver: Male, age 47, Barrie, ON

Driving: 2011 Chevrolet Cruze

Current Rate: $1,766

Lowest Rate Available: $1,202

Insurance Company: Pembridge Insurance

Fun facts from the thousands of quotes completed by Barrie drivers on InsuranceHotline.com

Trends we've noticed that are unique to Barrie

Average car insurance savings for drivers in Barrie: $317.21


Most popular vehicles insured by married couples: Honda CR-V, Toyota Corolla, and Toyota Rav-4


Most popular vehicles insured by singles: Hyundai Santa Fe Sport, Hyundai Elantra, Volkswagen Jetta, and Honda Civic


Percentage of drivers who have had no accidents in the past 10 years: 86.27%


Average kilometres driven by Barrie drivers annually: 15,229 km


Most popular discounts for Barrie drivers: Georgian College, Georgian College Alumni Association, Seneca College of Applied Arts & Technology, and Humber College Institute of Technology and Learning


Data based on quotes completed by Barrie drivers between January 1 and December 31, 2018.

Barrie auto insurance 101

You may currently believe you have the best Barrie car insurance rate available, but when it comes time to renew your policy, you always should check and see if there's a lower rate available. Here's what you need to know about the factors that influence your premium. 

What factors into Barrie auto insurance?

When it comes to determining insurance rates there are a few factors that are taken into consideration. One of them is your driving record. While getting quotes at InsuranceHotline.com, 72.2 per cent of Barrie drivers have a clean driving history with no tickets, accidents or licence suspensions, while 12.8 per cent of drivers admit to having at least one traffic ticket, and 11.6 per cent admit to having been involved in at least one collision. The remaining drivers have at least one ticket and one accident (2.9 per cent).

Where you live is another factor that's taken into consideration; insurance rates differ among locations. It's estimated that about 12.7 per cent have moved to Barrie or within Barrie in the last year. If you have recently moved to or within Barrie, it's the perfect time to compare Barrie car insurance quotes.

What else determines the cost of my car insurance premiums in Barrie?

In addition to location and your driving record there are several other factors that go into determining insurance rates including:

 

  • The type of car you drive. Each vehicle is rated differently. Theft rates, vehicle safety ratings and the historical repair costs for a vehicle can vary significantly.
  • The options you choose. While there is often a set minimum for compulsory coverages, you can opt to have more coverage protection.
  • Your deductibles. In general, the higher your deductible the lower your car insurance rate. These savings are available because it means you pay more towards the cost of repairing your vehicle, while your insurance company pays less, if you need to make a claim.
  • How often and how far you drive. Whether you'll be driving to work or school every day or just occasionally will be a factor. The more time you spend on the road affects your insurance rate.

 

What other types of auto insurance coverage can I get?

Optional Coverage And Endorsements

Every province has compulsory minimums that you must have as part of you possible. In Ontario, every policy must include: Accident Benefits, Direct Compensation-Property Damage, Third-Party Liability, and Uninsured Auto coverage. However, there are optional coverages and endorsements that you can add to your policy for an additional fee like:

 

  • Collision coverage: this covers damage to your vehicle as a result of an impact of collision with another vehicle or object.
  • Comprehensive coverage: this protects your car against damage caused by events like theft and vandalism.
  • Loss of use: In case you're in an accident, this covers your transportation costs (like a rental car) while your vehicle is being repaired or replaced.
  • Rental car: If you frequently rent cars, this ensures that your rentals have both collision and comprehensive coverage.
  • Depreciation Waiver: If you have a new car, this endorsement ensures you'll receive the full value of your vehicle in case it ever ends up being considered a total loss.

 

What do driving habits look like in Barrie?

Barrie drivers have indicated that on average they drive about 14,499 kilometres a year and have a daily commute of about 10 kilometres each way. The cars driven most by Barrie drivers in order from most popular, according to InsuranceHotline.com data, are made by Honda, Toyota, Ram Truck, Ford Truck, Hyundai, Chevrolet, Volkswagen, Mazda, Ford, and Chevrolet Truck.

Of Barrie residents who are of working age, 83.6 per cent drive to work while 7.1 per cent are a passenger. The remaining either walk, bike, take public transit or another form of transportation.

The average commuting time in Barrie is estimated to be 20.6 minutes. The busiest time to travel in Barrie is between 7 and 9 a.m., with 43.2 per cent of Barrie residents leaving for work during this two hour window. In comparison, 28.5 per cent leave for work between 5 and 6:59 a.m. If you prefer to avoid the morning rush, adjusting your commute times should do the trick!

*Shoppers in Barrie who obtained a quote on InsuranceHotline.com from January to December 2023 saved an average of $662 per year. The average savings represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third-lowest quoted premiums generated by InsuranceHotline.com.

Taras Trofimov, Content Manager

As a content manager at InsuranceHotline.com, Taras specializes in home insurance, having collaborated with experts to fully familiarize himself with the industry. 

 

He has more than nine years of experience in content marketing across a variety of industries in B2C and B2B spaces. Has created thought leadership content for organizations like Constellation Software, Yellow Pages and Facebook and outlets such as Huffington Post and MSN Canada

 

He graduated from York University with a Bachelor of Arts degree in Film Studies and also studied Technical Communication at Seneca College — the co-op program that introduced him to the world of content marketing. 

Read more about the author