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Article Contents
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on May 16, 2024

Visit author page
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated May 16, 2024

Visit author page

4 minute read

Article Contents

Quick Facts About Auto Insurance in Barrie

  • Barrie car insurance is LESS expensive than the Ontario average.
  • The average annual car insurance cost in Barrie for a driver with comprehensive/collision coverage and a clean record is around $1,561.
  • Comparing Barrie auto insurance quotes with MyChoice can save you up to $1,108 annually.

The Best Car Insurance Brokerages in Barrie

Unlike insurance companies, insurance brokerages don’t sell their own policies. Instead, they work similarly to how mortgage brokers work. They gather quotes from several different companies and narrow down the best options for you. 

You can work with insurance brokers to help you find the best-rated policies in your city. Here are some of the top insurance brokerages in Barrie:

BrokerageAddressPhone number
BrokerUnion Insurance Brokerage494 Veterans Dr Unit 4
Barrie, ON L4N 9J5, Canada
+17052521900
Aim Insurance Brokers Ltd
o/a McCam Insurance
92 Caplan Ave Suite 645
Barrie, ON L4N 9J2, Canada
+17057375620
Benson Kearley IFG – Insurance
Brokers & Financial Advisors
51 King St Unit 4
Barrie, ON L4N 6B5, Canada
+19058983815
Laura Vivian Insurance and
Financial Services
494 Veterans Dr
Barrie, ON L4N 9H8, Canada
+12262403388

Most Expensive Postal Codes in Barrie

The average cost of auto insurance in Barrie is $1,561 per year, below are the postal codes with the most expensive car insurance in Barrie:

Postal CodeAverage Annual Car Insurance Premium
L4M$1,614
L4N$1,609

Least Expensive Postal Codes in Barrie

L9X is where you’ll find the cheapest insurance premiums in the city of Barrie.

Postal CodeAverage Annual Car Insurance Premium
L9J$1,507
L9X$1,506

Car Insurance Cost in Barrie by Age

Age is a major driving factor in whether you can expect higher insurance premiums. Generally, the idea is that older drivers have more experience and are thus more likely to be responsible and capable of avoiding accidents. 

Drivers under the age of 25 can expect higher insurance premiums, while those in their 50s and 60s can expect the lowest insurance rates. However, once you reach a certain age, your premium rates start to rise again – usually when you reach the age of 65 or become a senior citizen

Based on studies, 75-year-old male drivers pay 21% more for auto insurance than 55-year-old male drivers. This is because as people get older, they go through physical changes that can affect their driving ability, such as changes in vision, attention, fitness, and reaction time. 

Take a look at how much car insurance costs can vary by age in Ontario:

AgeAverage Annual RatesAverage Savings with MyChoice
18-20$5,573$1,108
21-24$3,184$633
25-34$2,123$422
35-44$1,561$310
45-54$1,280$255
55-64$1,088$216
65+$1,240$247

Car Insurance Cost in Barrie by Driving History

Your driving record plays a major role in determining the cost of your insurance premiums. Insurance companies will usually request the following:

  • Demerit point total
  • Any convictions, suspensions, and reinstatements under the Highway Traffic Act and Criminal Code of Canada
  • Records of collisions
  • Any driver’s license replacements/renewals

A clean driving record will help you get lower premiums, while a record laden with violations will get you tagged as a high-risk driver and cause insurance companies to charge you more.

In Ontario, driving violations remain on your record for two years, but they can affect your premium rates for far longer. Take a look at how traffic violations can impact your insurance rates below:

Driving ViolationAverage Annual Car Insurance Premium
Clean driving record$1,561
Insurance cancellation due to non-payment$2,560
Licence suspension for alcohol-related offences$1,873
One accident$3,434
Speeding ticket$2,029

Driving in Barrie

Barrie is an up-and-coming waterfront city located just 90 kilometers north of Toronto. Previously known as a bedroom community – a city made up mostly of residents who commuted to a bigger city for work – Barrie is gaining a reputation as one of the fastest-growing populations in Canada. 

Here are some fast facts about driving in Barrie:

  • Major highways in Barrie: Highway 400, Highways 11, 26, 27, 90, 93, 131
  • Public transit options: Barrie Transit, GO Transit
  • Ridesharing services: Uber
  • Parking space providers: The City of Barrie, Impark
  • Top tourist attractions: Innisfil Beach Park, Barrie Centennial Park, Kempenfelt Bay, Snow Valley Ski Resort, Mount St. Louis Moonstone
  • Busy intersections: Highway 400 and Essa Road, Highway 400 and Maple Drive, Essa Road and Fairview Road, Dunlop Street West and Ferndale Drive North, Dunlop Street and Hart Drive
  • Airports: Lake Simcoe Regional Airport

Main Mode of Commuting in Barrie

Over 90% of Barrie’s residents commute by car, truck or van. Nearly 82% of them are drivers, so we can assume that most Barrie commuters drive their own vehicles. Here’s a closer look at how people commute in Barrie:

Main mode of commutingCountsRates
Total – 25% sample data54,965100.0
Car, truck or van49,82590.6%
Car, truck or van – as a driver44,84581.6%
Car, truck or van – as a passenger4,9809.1%
Public transit2,0603.7%
Walked1,7803.2%
Bicycle2800.5%
Other method1,0251.9%

Commuting Duration in Barrie

People in Barrie often experience shorter commutes, since over half of them take under half an hour to get to work. In fact, almost a third of them take less than 15 minutes to complete their commute. Let’s break down the commuting duration in Barrie:

Commuting durationCountsRates
Total – 25% sample data54,965100.0
Less than 15 minutes19,20034.9%
15 to 29 minutes14,77526.9%
30 to 44 minutes7,39013.4%
45 to 59 minutes5,58010.2%
60 minutes and over8,02514.6%

Driving Conditions in Barrie

Insurance premiums may change depending on your city’s driving conditions. Here’s a rundown of driving conditions in Barrie:

  • Average daily commute time: 62 minutes round trip
  • Average annual rainfall: 854 mm
  • Average annual snowfall: 159.7 cm
  • Rainy days per year: 138
  • Rainiest month in Barrie: October
  • Driest month in Barrie: January
  • Snow days per year: 53
  • Snowfall months in Barrie: December to March

Traffic in Barrie

Compared to its neighbor Toronto, which has a population of 2.7 million people, Barrie only has around 140,000 residents. Despite this, traffic can build up on Barrie’s main thoroughfares on weekdays, particularly as 90% of Barrie’s residents drive to work. On weekends, Barrie’s roads become congested with tourists making their way to cottage country. 

Here are some key facts about traffic in Barrie:

  • Population: Barrie has 143,740 residents within its city limits. 
  • City area: Barrie’s urban area spans 171.53 km2
  • Average commute distance: 
  • Time spent in traffic annually: Barrie residents spend roughly 377 hours in traffic every year.
  • Busiest highways: Highway 400, which cuts through Barrie and connects the city with Toronto, is the most congested highway in Barrie. On weekends, congestion is most felt in the north, on the intersection of Highway 400 and Highway 11, going towards Orillia and Huntsville. Sunday evenings are especially bad as cottage country vacationers make their way home. 

The Most Common Questions About Car Insurance in Barrie

How much is auto insurance in Barrie?

Auto insurance in Barrie costs about $1,561/year on average.

Is car insurance cheaper in Barrie?

Car insurance is cheaper in Barrie compared to its neighbouring city Toronto.

How can you get cheaper car insurance in Barrie?

Compare car insurance rates in Barrie with MyChoice, or visit our main car insurance page to learn other ways of getting cheap car insurance quotes.

Sources

1. Mychoice.ca Internal Data, Most Expensive Postal Codes, Ontario, Barrie, Car Insurance Quotes Collected, 2024.

2. Mychoice.ca Internal Data, Least Expensive Postal Codes, Ontario, Barrie, Car Insurance Quotes Collected, 2024.

3. Mychoice.ca Internal Data, Rate Cost By Age, Ontario, Barrie, Car Insurance Quotes Collected, 2024.

4. Mychoice.ca Internal Data, Rate Cost By Driving History, Ontario, Barrie, Car Insurance Quotes Collected, 2024.

5. City of Barrie Website, Driving & Transit Information. Data Collected, 2024.

6. Statistics Canada, 2021, Census of Population, Ontario, Barrie, Main Mode of Commuting. Data Published March 29, 2023.

7. Statistics Canada, 2021, Census of Population, Ontario, Barrie, Commuting Duration. Data Published March 29, 2023.

8. Weather Network Canada, Historical Averages, Ontario, Barrie.

9. 511 Ontario Traveller Information, Ontario, Barrie.

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