Compare Manitoba car insurance quotes

Car insurance is required everywhere in Canada and each province has its own coverage requirements.

For Manitoba drivers, auto insurance is provided through Manitoba Government Insurance (MPI), a crown corporation, who provides Basic Autopac insurance and Optional Autopac insurance coverage packages. It's been this way since November 1, 1971. 

There's also optional, and rarely used, coverage available through private insurance brokerages, and even directly from insurance companies (i.e. Aviva Canada, CAA, Wawanesa).

For instance, mandatory third-party liability coverage through MPI has a minimum limit of $200,000, but each driver has the option to increase their liability coverage up to $10 million either through MPI or a private insurer. 

Manitoba is a no-fault insurance province meaning you must first deal with your own insurance company for all claims, whether you're at fault or not.  A no-fault driver can sue an at-fault driver for additional damages and costs not covered by their accident benefits. 

Mandatory auto insurance in Manitoba includes (more details below)

• Third-party liability - Protects you if you injure someone or damage their property (e.g. car)
• Accident benefits - Covers resulting medical costs and financial help following an accident
• Uninsured Motorist - Protects against injuries you suffer from a driver without insurance

Optional car insurance in Manitoba includes (more details below)

• Collision - protects your car if you're at-fault in an accident
• Comprehensive - protects your car from vandalism, theft, and inclement weather
• All perils - Collision, comprehensive, and protection from someone you know stealing your car
• Specified perils - Covers financial losses from specific risks like fire, theft, or flooding. 
• Emergency roadside assistance - Covers you for roadside callouts for emergencies

You can also buy specific extensions to your coverage through MPI, such as rental vehicle insurance, new or leased replacement car insurance, or ridesharing coverage. 

Manitoba is home to a mandatory vehicle registration and insurance program. The Manitoba Auto Fund believes that all drivers are equal unless their driving history shows that they’re a greater risk on the road. Manitoba does not use a driver’s age or gender to determine the car insurance premium.

Rates are adjusted annually to keep up to date with the Canadian Loss Experience Automobile Rating (CLEAR). Manitoba uses the CLEAR table to determine the likelihood of a vehicle being in a claim and the cost to repair those claims.

Since 2010 there has been an average decrease of -3.1% to car insurance rates in Manitoba, but then rates started to increase again, until 2020. On June 17th, Mantioba Public Insurance (MPI) filed its general rate application requesting an overall decrease of 10.5%, meaning the average driver will pay $130 less per year. 

Earlier in 2020, MPI customers were given $110 million in rebates. COVID was the largest reason due to fewer claims. 

More info

• History of MPI rate applications
• Public Utility Board (PUB) orders