Car Insurance – Manitoba
Car insurance in Manitoba offers essential protection for drivers, passengers, providing peace of mind on the road. Whether you’re a first-time car owner or a long-time driver, understanding Manitoba’s unique auto insurance system can help you navigate Manitoba Public Insurance (MPI) and get the coverage you need.
From those who commute to work in Winnipeg every day, to those who are out on the prairie open road catching sunset views, we’ve got you covered.
Reach out to start your Manitoba car insurance quote today.
Manitoba car insurance, explained
When you buy car insurance in Manitoba, you will be purchasing basic mandatory coverage which is provided by Manitoba Public Insurance (MPI), sold through Westland Insurance either by email, phone or in person at any of our Manitoba locations.
All drivers in Manitoba must have a basic policy from MPI to drive. This includes coverage for Personal Injury, All-perils insurance, and Third-Party Liability.
You can choose to up your basic protection with optional car insurance in Manitoba, like increased liability or reduced deductibles.
This covers your car and any equipment that’s permanently attached against accidental loss or damage in Canada or the U.S. This includes damage from collision, upset (like if your vehicle tips or rolls over), or other instances like vandalism, theft, hail, and fire.
Basic Autopac insurance also includes some protection against loss of use if your car is stolen or accidentally damaged.
Standard Third-Party Liability includes protection if you’re held legally responsible for damage or injuries to others, even if you weren’t driving at the time.
You’ll be covered if your car injures a person, or damages a vehicle or property outside Manitoba but within Canada and the U.S.
Coverage through the Autopac Personal Injurity Protection Plan (PIPP) extends to all Manitoba residents that are injured in a car accident anywhere in Canada or the U.S. This coverage also extends to visitors in Manitoba who are injured in an accident. For Manitobans, there’s no reduction in the level of this benefits even if you’re partially or fully at-fault for the incident.
This protects incomes beyond $115,000 up to a limit of your choice, if your income is lost due to a debilitating injury. This is an add-on to the income replacement residents are eligible for through the Personal Injury Protection Plan (PIPP).
Caters to Manitoba residents with collector vehicles. The Collector Vehicle Program (CVP) offer year-round insurance that reflects the infrequent use of collector cars, and the advanced care and maintenance they require. The program offers Basic all-perils insurance protection throughout the year, with the convenience of not having to switch to Lay-Up or another insurance product in the winter months.
Under basic Autopac insurance , the maximum insured value for a vehicle is $70,000. Residents with vehicles valued over this maximum insured value may consider adding Excess Value coverage to their policy to ensure they’re adequately reimbursed for their car, should they be involved in an insured loss.
Basic Autopac insurance includes some coverage for loss of use under All Perils coverage. Drivers can enhance their Loss of Use coverage for the option to rent a vehicle comparable to their current one, with coverage for up to $56/day, up to a maximum of $1,500.
Basic Third-Party Liability insures drivers for up to $500,000 for claims made against you. With increased coverage you can up your coverage to a maximum of $10 million. Increased liability coverage is strongly recommended for those planning to drive outside the province.
Ideal for those planning to park their vehicle for an extended period of time, Lay-Up coverage allows drivers to keep their registration and road coverage. It covers accidental loss or damage like fire, theft, vandalism, hail, and lightning, excluding usage on the road.
Basic Autopac insurance will cover the cost of your car’s actual cash value if it’s written off – meaning its value after depreciation. If you bought a new car, you could be left with a loan for more than that value or will need to spend more to replace your original vehicle. With New Vehicle protection, you’ll be covered for the full purchase price of your car including an allowance for inflation – meaning you’ll be fully covered for a new car.
The coverage for leased vehicles is similar. Since leased cars are owned by a dealership or leasing company, any reimbursement will go to them leaving you without financial compensation if your car’s written off. By adding this optional coverage to your policy, your downpayment or trade-in allowance will be covered.
The basic deductible for private vehicles is $750. With this optional car insurance in Manitoba, you can lower your deductible to $500, $300, or even $200 for lower out-of-pocket expenses should you need to make a claim.
Get affordable coverage for vehicles you may rent across Canada or the U.S.
How much is Autopac insurance in Manitoba?
Your car insurance premium in Manitoba largely depends on the car you drive, your driving history, and more. The best way to see what your car insurance rate in Manitoba will be is to start a quote.
What factors determine the cost of Autopac insurance in Manitoba?
The type of car you drive will impact your car insurance premium in Manitoba, depending on factors including its safety rating and the general cost of repairs. The likelihood of it being involved in a collision or theft will also impact your price.
Convictions like speeding tickets, at-fault collisions, and other driving infractions will impact how much you pay for car insurance in Manitoba. Parking tickets aren’t taken into consideration.
Car insurance rates in Manitoba can vary depending on where you live. Whether you’re in a neighbourhood that’s deemed high-risk for incidents, out in the country where driving longer distances is more common, or in the city where there are more cars on the road, where you’re driving the most will affect how much you pay for car insurance in Manitoba.
How often you drive (and why) will impact your car insurance rate in Manitoba. The more you’re on the road, the more at-risk you’ll be of being involved in a collision.
How to save on car insurance in Manitoba
The best way to save on Manitoba public insurance is to maintain a safe driving record. The more years you drive incident-free, the less you’ll pay in car insurance premiums in Manitoba.
Discounts on Manitoba car insurance
Manitoba operates on a Driver Safety Rating (DSR) system to promote safe driving habits by recognizing those with good driving history. Each driver’s position on the DSR scale depends on their driving record – driving safely will move your position up, and signs of high-risk driving like traffic convictions, at-fault claims, distracted or impaired driving will move you down.
Safe driver can save up to 46% on their car insurance premium in Manitoba and an additional $30 savings on their driver’s licence premium, while high-risk drivers can see up to a $3,000 premium on their driver’s licence premium and no additional savings on car insurance.
Why choose Westland for your Manitoba Autopac insurance needs?
Expert advisors go above and beyond
Our advisors go the extra mile every step of the way and do the legwork to provide personalized car insurance coverage in Manitoba to suit your lifestyle.
Our advisors are part of your community
Westland advisors are local, so they understand the unique needs of your community. And, they’re easy to get hold of in person, over the phone, or by email.
We work hard to make things simple
Whether it comes to finding the right car insurance coverage or navigating a claim, we keep things simple and use language that everyone can understand.
Get coverage that goes further with Westland Insurance
Example of a car insurance claim
You are on your way with your kids to a hockey tournament and you stop at a drive-thru to pick up breakfast. You drop your wallet and when reaching for it, hit the accelerator and your vehicle crashes into the building damaging your car and the commercial building. What now?
Parts of your car insurance policy will spring into action to help.
- Collision Deductible
The collision is your fault, and you will be responsible to pay your policy deductible. Fortunately, you purchased a lower deductible option and instead of the basic $750 deductible you will only have to pay $200 to the autobody shop when the repairs are completed. - Loss of Use
The vehicle sustained significant damages and is undriveable. You rely on your vehicle and purchase the Loss of Use coverage allowing you to rent a vehicle. The car rental agency near you has a comparable vehicle available and you are back on the road the same day. - Third-Party Liability
You will be responsible for the property damage to the commercial building. Your Third-Party liability insures you against claims others make against you.
Connect with us
Our expert advisors are waiting to help you find the perfect car insurance.
Find a branch
Come in and speak to an advisor to get a customized policy made just for you.
Request a quote
Start an online quote at your convenience, and we’ll help you select a plan that works for you.
FAQs about car insurance in Manitoba
Is car insurance mandatory in Manitoba?
Yes. All drivers must have a basic car insurance policy provided by Manitoba Public Insurance (MPI). A basic policy includes coverage for Personal Injury, All-perils insurance, and Third-Party Liability.
How much is car insurance in Manitoba?
Your car insurance premium in Manitoba largely depends on the car you drive, your driving history, and more. The best way to see what your car insurance rate in Manitoba will be is to start a quote
What is the most common Manitoba car insurance coverage?
Many drivers opt for Increased Third-Party Liability for the added peace of mind when driving outside of the province.
What are car insurance costs most affected by?
The cost of car insurance in Manitoba is most affected by the type of car your drive, your driving history, where you live, and how often you drive.
Types of car insurance in Manitoba
Motorcycle insurance
Offers coverage you need to drive a motorcycle, moped, or scooter on public roadways with peace of mind.
Off-road vehicle insurance
Best suited for those with a taste for adventure, get an off-road vehicle insurance policy for your snow mobile or all-terrain vehicle.
Rental car insurance
A more cost-effective alternative to getting insurance through the rental company, while still getting the protection you need.
RV insurance
With similar coverages to car insurance, RV insurance policies also address the unique features of having a home on wheels.
Commercial car insurance
Whether you have one commercial vehicle or a fleet, we have the commercial car policy you need.
Buy car insurance in Manitoba with confidence
Looking for car insurance and vehicle registration in Manitoba? Contact Westland insurance to get your car insurance quote today. Our advisors are ready to help you get the car insurance policy you need for peace of mind.
Need some help?
Visit Client Support
Check out our resources page for helpful content or connect with our client support team.
Contact Client Support