Car insurance in Manitoba. We've got the information you need.

Manitoba operates under a no-fault insurance system. You receive compensation from your insurance plan regardless of who's at fault in the accident.

Private auto insurance companies don’t operate in Manitoba. Manitoba Public Insurance is the province’s sole provider of car insurance, which is called Autopac.

To get coverage, you need to contact an independent Autopac broker. Manitoba has more than 300 car insurance brokers who are licenced to sell Autopac coverage. Find one near you with this tool from MPI.

MPI provides car insurance quotes to Manitoba drivers. To get your quote, click on the “Get Started” button above. You’ll be directed to MPI’s car insurance calculator.

You must be at least 16 years old, 15.5 if enrolled in the High School Driver Education Program.

There are three stages to getting a full license in Manitoba.

Class 5L (Vehicle Learner's Licence): To earn your 5L, you have to pass a written test. To drive with your 5L, a supervising driver, who has held a full licence for at least 3 years and maintains a blood alcohol concentration (BAC) of 0.05 or less, must be in the front seat. When you drive with your 5L, you must maintain a 0.0 BAC. After nine months, 5L holders are eligible to take the class 5L road test.

Class 5I (Vehicle Intermediate Stage Licence): Acquired after you successfully complete a road test. Drivers with the 5I must have 0.0 BAC while operating a vehicle. The only passenger restrictions are from 12:00 AM to 5:00 AM, when there can be only one front seat passenger, or a supervising driver plus as many passengers as there are seat belts.

Class 5F (Vehicle Full Stage Licence): After you hold the 5I licence for a minimum of 15 months, you get your 5F full stage licence. And after 36 months with this full licence, you can drive with a BAC of up to 0.05.

New immigrants to Manitoba can drive with their licence from their home country for three months. After that, they must surrender their old licence and apply for a Manitoba licence at an MPI Service Station. For a reduction in car insurance rates, new immigrants in Manitoba should obtain a record of their insurance history to prove that they have a good driving and insurance history.

Manitoba has a government-run auto insurance market. Drivers must purchase their policy from Manitoba Public Insurance (MPI), a Crown corporation.

Since 1971, private car insurance companies have not operated in Manitoba. If you don't like your premium or your coverage, you can't shop around and switch insurance companies. However, car insurance in Manitoba is more affordable than in many other provinces with public or private systems.

To get an estimate of the price of car insurance in Manitoba, click the “Get Started” button above to use MPI’s car insurance calculator tool.

In Manitoba, automobile insurance rates are based on a variety of factors:

• Your driving record.
• Your driving experience.
• The type of vehicle you drive.
• Use and location of your vehicle.
• The amount of coverage you've selected.

Auto insurance premiums in MB are trending lower. In summer 2020, Manitoba Public Insurance requested an overall rate decrease of 10.5%, the largest decrease in 30 years.

While not having the ability to compare auto insurance online makes it hard for Manitoba drivers to know whether they’re getting the best rate for car insurance in Manitoba, there are many ways to get cheaper auto insurance in Manitoba:

• Pay premiums on time.
• Maintain a good driving history.
• Choose the proper insurance coverage.
• Complete a certified driver training program.
• Choose a vehicle that's less susceptible to theft.

Car insurance for high-risk drivers in Manitoba is inevitably more expensive. High-risk drivers can expect to pay up to $3,000 a year for coverage.

Yes. You're required to get a minimum mandatory level of insurance coverage from Manitoba Public Insurance (MPI).

Here's what the basic Autopac plan from MPI includes:

Third-party liability insurance in Manitoba with a mandatory minimum of $200,000: Covers you if you injure other people or damage property with your vehicle. 

All perils coverage (mandatory minimum of $50,000 per vehicle): Insures your vehicle and any permanently attached equipment against accidental loss or damage in Canada or the U.S. You pay the deductible plus any depreciation, and your Autopac coverage pays the rest.

All perils coverage in Manitoba is a combo of comprehensive and collision coverage. All perils insurance covers physical damage (the collision aspect of your Manitoba coverage) and other causes of damage, such as vandalism, theft, hail and fire (covered by the comprehensive side of your Manitoba policy). If your vehicle is damaged, your all-perils coverage pays to restore it to its pre-accident condition. But if your vehicle is beyond repair, your all-perils coverage will pay to replace it entirely.

Personal Injury Protection (PIP): Compensates Manitobans for losses or injuries they incur from an automobile accident, regardless of who was at fault. In the case of catastrophic injury, the plan covers income replacement, personal care, permanent impairment and special circumstances (transitional expense coverage). It extends to all Manitoba residents who get injured in an accident, either in Canada or in the U.S.

Residents of Manitoba receive accident benefits from the MPI (which extends to non-drivers as well):

Medical payments: No limits.

Funeral expenses: Up to $8,301.

Disability income: 90% of net annual income up to $93,000/year; payable only after seven days of disability.

Impairment benefits: Minimum of $760/week; up to $152,281 for non-catastrophic injury and up to $240,454 for catastrophic injury.

Death benefits:

• For partners (depending on age and wage of the deceased): $60,914 to $465,000.
• For dependent children (depending on their age): $28,933 to $53,300.
• For non-dependent children or parents: $13,565.