Winnipeg car insurance
Everything you need to know about how Winnipeg car insurance works. Find out how to customize your policy and uncover the savings.
Matt Hands, Business Director, Insurance
Winnipeg is the capital of Manitoba and its largest city. It's known as the gateway to the west due to it being a transportation hub between the east and west of Canada. The average annual car insurance premium in Winnipeg is just over $1,000. Manitoba operates on a no-fault system, so you’ll receive money from your insurance plan regardless of who’s at fault.
Car insurance in Canada is a requirement and each province has its own coverage requirements.
For Winnipeg 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 is 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.
Mandatory auto insurance in Winnipeg includes:
- 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 Winnipeg includes:
- 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.
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Emergency roadside assistance
How much is car insurance in Winnipeg?
The average cost of car insurance in Manitoba is roughly $1,000 per year, or just under $100 per month. Could you be paying less? Let's find out.
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Shop and compare
If you're buying a new car, research which cars have the best safety ratings and a low rate of collisions. Typically, minivans and trucks cost less than a sedan. Use IBC's CLEAR table to see how your car measures up.
Buy the right coverage
Your auto insurance in Winnipeg doesn't need to include the optional coverage, but buy what's right for your budget and financial situation.
Invest in safety technology
A safer car with Automatic Emergency Braking (AEB) means you could save money, if not on insurance, certainly by avoiding an accident.
Maintain a good driving record
If you’re a safe driver, obey the rules of the road and drive according to road conditions you can reduce your chances of an accident. MPI uses a driver safety rating (DSR) scale to determine their rates.
Increase your deductible
Your deductible is the portion you pay when settling a claim before your insurer will pay the rest. If you’re willing to double your deductible, it could save you money.
Pay premiums annually, instead of monthly
Paying monthly adds administrative costs to your insurer, so if you’re able to pay in full annually you can lower your premiums.
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Matt started his professional career at CARPROOF where he honed his marketing and analytical skills for over 3 years. Matt then took his wealth of experience to Ratehub.ca’s Toronto offices, working with insurance providers, agents, and brokers to grow and expand the Insurance business unit. He is a thought leader in the community and a valuable insurance resource to respected publications like the Globe & Mail, Toronto Star, Huffington Post, Yahoo News, and 680 news radio in Toronto.
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