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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.

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How car insurance in Winnipeg works

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. 

Mandatory coverage for auto insurance in Winnipeg

Mandatory insurance is mostly about protecting you from damage you may cause to others and their property. Protecting you personal car is available with optional coverages.

Third-party liability

Accident benefits

Uninsured motorist

Optional coverage for auto insurance in Winnipeg

The below coverages are optional, unless you lease your car and your lessor requires them. Typically, new cars will get the optional coverages.

Collision insurance


Emergency roadside assistance

Specified perils

All perils

Did you know?

Your first distracted driving ticket will cost you three-day license suspension. If convicted, you get a $672 fine and move five levels down the Driver Safety Rating scale. Learn all about how distracted driving can affect your rates.

Factors that impact your Winnipeg car insurance rates

To find cheap car insurance in Winnipeg, you have to know how it works. Even though an insurance application is reasonably standard, you will find several factors beyond your control that impact a risk tolerance calculation, like if you live in an area with higher than average levels of insurance fraud. Here are seven factors MPI considers before offering personal car insurance in Winnipeg:

Driver demographics

Where you live

Vehicle type

Driving history

Driving activity

Type of insurance coverage

Applicable discounts

How to get cheap car insurance in Winnipeg

  1. 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.

  2. 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.

  3. Bundle your policies

    If you use the same insurance company for both your home and auto insurance needs, your insurer will often thank you with a dip in premiums.

  4. Get a multi car discount

    If you have multiple drivers and vehicles in the same household, by putting them all on one policy can save you money.

  5. 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.

  1. Ask about discounts

    If you’re a member of a large corporation, union, or a school alumnus, it could help you get cheaper Winnipeg car insurance.

  2. 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.

  3. 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.

  4. Install winter tires

    You can save up to 3-5% simply by adding winter tires to your car.

Curious how much you could save on Winnipeg home insurance?

In less than 5 minutes, compare home insurance quotes from {MB}’s top insurers to see how much you could save.

Frequently asked questions about car insurance in Winnipeg

How much is car insurance in Winnipeg?

What are the best insurance companies in Winnipeg?

Do I need personal insurance to drive ZipCar or Car2Go?

Is usage-based insurance available in Winnipeg?

Do I need winter tires in Winnipeg?

How long do driving offences last on my driving record in Winnipeg?

Does Winnipeg allow you to be an Uber driver?

Matt Hands, Business Director of Insurance

With 6+ years of experience at, Matt’s focus has been on growing its newest business unit, Insurance. He is a thought leader and a valuable resource to respected publications across Canada. read full bio

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