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Manitoba Car Insurance

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Having auto insurance is mandatory for all vehicle owners and drivers in Manitoba. Unlike other provinces where drivers can shop around for coverage from private insurers, Manitoba requires all residents to purchase basic coverage from Manitoba Public Insurance (MPI), also known as Autopac.

MPI has been the sole provider of basic auto insurance in Manitoba since 1971 when it was established as a provincial Crown corporation. Over the decades, it has streamlined a system that aims to provide affordable and consistent coverage to all Manitobans through its Autopac program.

Autopac offers protection against liability claims and damage to your vehicle. Rates are set by MPI based on risk factors like your driving history, vehicle use, and location. While Autopac covers the basics, Manitobans can augment their policies with additional coverage from private insurers.

Understanding how car insurance works in Manitoba can help you get the right coverage at the best price. This guide provides an overview of Autopac insurance, tips for lowering your rates, and advice for high-risk drivers. We’ll also look at how young drivers, seniors, and non-owners can find affordable coverage in Manitoba.

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How Car Insurance Works in Manitoba

In Manitoba, car insurance is administered through a Crown corporation called Manitoba Public Insurance (MPI), also known as Autopac. MPI provides mandatory basic coverage to all drivers and vehicle owners in the province.

This basic Autopac insurance includes:

 

  • Third-party liability coverage up to $200,000
  • Accident benefits up to $100,000 for medical care and income replacement
  • Compensation for damage caused by uninsured motorists
  • Coverage for hit-and-run accidents

 

Autopac also covers collision damage, comprehensive damage (e.g. weather, theft), and additional accident benefits through optional extensions that drivers can purchase.

While the basic Autopac coverage is mandatory for all motorists, Manitobans can supplement their policies with additional coverage from private insurers. This includes options like rental vehicle coverage, vehicle replacement protection, and protection for high-value vehicles.

By requiring all drivers to carry a standard basic policy, MPI is able to provide affordable rates to Manitobans. At the same time, the availability of private insurers allows drivers options to customize their protection.

 

 

Cost of Car Insurance in Manitoba

Car insurance in Manitoba can cost anywhere from $800 to $2,000 per year, with the average being around $1,200 annually or about $100 per month. However, the cost varies significantly depending on your individual risk profile and coverage selections.

Some key factors that impact your insurance rates in Manitoba include:

 

  • Your driving record – tickets, at-fault accidents, and claims will increase your rates
  • Your location – insurance costs more in urban centers like Winnipeg compared to rural areas
  • Your driving experience – rates are higher for new drivers under 25 years old
  • Your vehicle – insuring luxury, sports cars, or vehicles with high repair costs have higher premiums
  • Your usage – insurance is pricier if you drive to work or school vs. pleasure only
  • Your coverage selections – higher limits and lower deductibles mean higher premiums

 

On average, Manitoba drivers pay approximately $100 per month or $1,200 per year for car insurance. However, prudent drivers with clean records and modest vehicles can often find rates closer to $800 annually, while young drivers insuring newer cars can sometimes pay over $2,000 per year.

When getting a car insurance quote in Manitoba, understand that your risk profile and selections will be the key factors that determine your insurance costs.

 

Getting an Autopac Insurance Quote

Since Autopac is mandatory for all vehicles registered in Manitoba, every driver will need to get a quote for their basic insurance coverage. Here’s what you need to know about getting a quote from an Autopac broker:

The first step is to find an Autopac insurance broker near you. There are over 300 licensed brokers across Manitoba that can provide Autopac quotes. Use MPI’s broker locator tool to find one closest to your location.

When meeting with the broker, you’ll need to provide details about yourself and your vehicle. This includes your name, address, driver’s license number, vehicle make/model/year, vehicle identification number (VIN), and information on how you use the vehicle (pleasure or commute).

The broker will enter all this information into MPI’s Insurance Rate Calculator to generate your personalized insurance quote. Rates are based on factors like your driving history, vehicle type, usage, and more. There are no obligations at this point – you can choose to purchase the policy or shop around.

It’s recommended to get quotes from 2-3 different brokers. They may have access to different promotions and discounts that can lower your rates. Once you decide on a broker, you’ll complete the purchase and they will issue your Autopac insurance coverage.

Getting an Autopac quote takes about 15-20 minutes in most cases. Have all your information ready to make the process quick and easy. This will ensure you get the best rate possible for your mandatory basic coverage.

 

Understanding Your Autopac Policy

When you purchase an Autopac policy in Manitoba, there are a few key coverages included:

 

Liability Coverage

This protects you if you cause damage to another person or property with your vehicle. There is $200,000 in coverage for claims made against you by others for bodily injury or property damage. This coverage is mandatory.

 

Accident Benefits

This provides benefits like income replacement, medical treatment, rehabilitation and funeral expenses to you and your passengers if injured in an accident, regardless of who caused it.

 

Uninsured Auto

This protects you and your passengers if hit by an uninsured or unidentified motorist. It covers injuries up to $200,000 and property damage up to $20,000.

 

Collision

This covers damage to your vehicle if it collides with another object like another car or stationary object. You can choose your deductible amount.

 

Comprehensive

This covers damage from incidents other than collisions, like theft, vandalism, hail, fire or hitting an animal. You can choose your deductible amount.

Understanding what’s included in your Autopac policy is important, as there may be gaps in coverage you want to fill with private insurance. Your broker can explain your policy in detail.

 

Adding Private Insurance in Manitoba

While basic Autopac coverage through MPI is mandatory for all Manitoba drivers, many choose to add private insurance on top of the basic coverage. Private insurers like Wawanesa and others can offer enhanced coverage options beyond what Autopac provides.

Here are some of the key benefits of adding private car insurance in Manitoba:

 

  • Lower deductibles – Autopac deductibles can be high at $500 and $300 for collisions. Private insurers often offer deductibles as low as $100 or $250. This saves you money if you need to make a claim.
  • Comprehensive coverage – Autopac only covers fire, theft and vandalism under comprehensive. Private insurers will also cover things like hail damage, flood damage, weather damage and even animal collisions.
  • Replacement cost – Autopac pays actual cash value on claims, while private insurers often offer replacement cost coverage on newer vehicles. This pays to replace your vehicle at today’s prices.
  • Rental car reimbursement – If your car is in the shop after an accident, rental coverage can pay for a rental vehicle so you’re not left without transportation.

 

The most common private coverages Manitoba drivers add beyond Autopac include:

 

  • Lower/Disappearing deductibles
  • Comprehensive and specified perils
  • Replacement cost coverage
  • Rental car reimbursement
  • Roadside assistance
  • Loss of use
  • Higher liability limits

 

Adding extra coverage through reputable insurers like Wawanesa or The Co-operators is a smart idea for most Manitoba drivers. The enhanced benefits and lower costs in the event of a claim make the extra monthly premiums well worth it.

 

Discounts and Savings Tips

There are many ways you can potentially lower your car insurance premiums in Manitoba. Here are some discounts and savings tips to consider:

 

Drive Safely

Maintaining a clean driving record with no accidents, tickets or violations is the #1 way to keep your insurance rates low in Manitoba. Every additional infraction will drive your premiums up.

 

Take a Defensive Driving Course

Completing an approved defensive driving course can make you eligible for a discount on your Autopac premiums. These courses teach advanced driving skills and techniques to help avoid collisions.

 

Increase Your Deductibles

Opting for higher deductibles when available can lower your overall insurance rates. Just make sure you have savings to cover the larger deductible amount in case you need to file a claim.

 

Bundle Home and Auto Insurance

Purchasing both your home and auto insurance together from the same provider can unlock multi-policy discounts. Manitoba Public Insurance doesn’t offer home insurance, so you’ll need to bundle with a private insurer.

 

Inquire About Group Rates

Some employers, associations and alumni groups have partnered with insurers to offer special discounted rates. Inquire whether any groups you’re a part of provide access to group insurance.

 

Reduce Your Annual Mileage

The lower your annual mileage, the less risk you pose to insurers. Keeping mileage low by carpooling, using public transit or working from home can bring your costs down.

 

Park in a Garage

If you have access to a private locked garage to keep your vehicle in, you may be eligible for a discount compared to parking on the street or in a lot.

 

Factors That Increase Your Rates

Several factors can cause your Manitoba car insurance rates to go up. Understanding what leads to higher premiums can help you make choices to keep your rates as low as possible.

 

Traffic Violations and Accidents

Getting a ticket or being involved in an at-fault accident will almost certainly increase your premiums. Common infractions like speeding, failure to stop, and distracted driving can raise your rates significantly. The more serious the offence, the higher your rates are likely to climb. At-fault accidents have a major impact too, especially if there is a high dollar value attached to the claim.

 

Your Vehicle

The type of vehicle you drive affects your rates as well. Sports cars, high-end luxury vehicles, and performance cars typically have much higher premiums because they are more expensive to repair and replace. Even something as simple as the colour of your car can influence rates in some cases.

 

Where You Live

Insurance rates tend to be higher in urban areas than in rural parts of the province. Living in a city like Winnipeg often means paying more for coverage. Additionally, some postal codes have more claims than others, which drives up costs for everyone residing in that zone.

 

Your Driving Record

In addition to any recent tickets or accidents, your overall history as a driver factors into your premium. Having multiple infractions over several years, a previous suspended license, or a history of frequent claims can make your rates skyrocket.

 

Coverage for High-Risk Drivers

Drivers with poor records, including multiple accidents, traffic violations, and DUI convictions can have a very difficult time obtaining affordable auto insurance. In Manitoba, high-risk drivers still have options for mandatory coverage through the Autopac program.

The Manitoba Public Insurance Corporation (MPIC) offers an Assigned Risk Plan for high-risk drivers who have been rejected by at least one other insurer. Coverage under the plan tends to be more expensive, and policyholders may be required to take steps like installing an ignition interlock device on their vehicle. However, it ensures all Manitoba motorists can obtain at least basic Autopac coverage as required by law.

For drivers with past convictions for impaired driving or other major violations, an SR22 certificate may be required to reinstate a driver’s license or vehicle registration. The SR22 provides proof of financial responsibility and can be obtained by purchasing appropriate coverage through Autopac. While rates will likely be higher, MPI offers this specialized coverage so high-risk drivers can get back on the road legally after serving any mandated suspensions.

Those looking to save on car insurance after accidents or violations may want to take a government-approved driver improvement course. Completing this training and remaining conviction-free for three years can lead to more affordable premiums. Manitoba Public Insurance also offers incentives like deductible rewards to help higher-risk policyholders eventually earn discounts.

While high-risk drivers in Manitoba will pay more for coverage, the province’s public auto insurance system ensures they still have access to policies needed to legally operate a vehicle. By taking steps to improve their records over time, these motorists may eventually see their rates decrease.

 

Car Insurance for Young Drivers

Drivers under 25 years old typically pay much higher car insurance premiums in Manitoba. This is because young drivers are statistically more likely to get into accidents, file claims, and commit driving infractions. According to Manitoba Public Insurance (MPI), most drivers don’t qualify for an adult discount on their Autopac premiums until they turn 25.

Being under 25 can increase your car insurance rates dramatically. For example, an 18-year-old male driver will pay around $4,500 annually for basic Autopac coverage in Winnipeg. That’s over 4 times higher than the average rate for an experienced 35-year-old driver!

Here are some tips to save on car insurance as a young driver in Manitoba:

 

  • Take an accredited driver training course – you may get up to 15% off with MPI.
  • Ask about discounts for good students with a high GPA.
  • See if you qualify for alumni or affinity group discounts.
  • Add an experienced driver as an occasional operator on your policy.
  • Drive an older, less expensive vehicle if possible.
  • Maintain a clean driving record with no tickets or accidents.
  • Consider dropping collision and comprehensive coverage to lower premiums.
  • Ask your Autopac broker about qualifying for the New Driver Credit.

 

While rates will remain high for young Manitoba drivers, taking steps like these can help maximize savings until you gain more experience behind the wheel.

 

Car Insurance for Senior Drivers

Drivers over age 65 often face higher insurance costs, as your rates increase after 65. This is because senior drivers are statistically more likely to be involved in accidents compared to middle-aged drivers. However, there are some ways mature drivers can save on their Autopac premiums after age 65:

 

  • Take a driver refresher course – Many insurance providers offer discounts for completing an approved defensive driving or refresher driving course.
  • Ask about mature driver discounts – Some insurance companies offer specific discounts for drivers over 65 who have maintained a clean driving record for a number of years.
  • Consider dropping collision/comprehensive – Since vehicles depreciate over time, it may make sense to drop these optional coverages on an older car.
  • Increase your deductibles – Choosing a higher deductible of $500 or $1,000 can reduce your overall premiums.
  • Enroll in an affinity program – Joining an alumni or professional association that offers group discount programs can help lower rates.
  • Maintain a good driving record – Avoiding accidents, traffic violations, and claims will keep your rates as low as possible.

 

By taking advantage of available discounts and modifying your policy options, mature drivers can find significant savings on their Manitoba car insurance.

 

Non-Owner Car Insurance

Manitoba residents who do not own a vehicle can still get car insurance coverage through the Non-Owner’s Policy offered by Autopac. This policy provides liability coverage when you drive someone else’s vehicle with their permission. It can apply when borrowing a family member or friend’s car, driving a rental car, or operating an employer’s vehicle for work purposes.

The Non-Owner’s Policy protects you if you cause damage to another vehicle, property, or injure someone while driving the non-owned car. It provides up to $500,000 in third-party liability insurance. This policy does not cover damage to the vehicle you are driving itself.

Getting non-owner car insurance in Manitoba is affordable and easy to obtain. You simply need to contact Autopac and provide your driver’s license. There are no vehicle details required. Premiums start at around $200 per year. This policy is mandatory if your license is suspended but you still need to drive other vehicles.

Having non-owner coverage can maintain a continuous insurance record and help build up driving experience under your belt. This keeps insurance costs lower whenever you do purchase your own vehicle down the road. Non-owner car insurance provides important financial protection while allowing flexibility if you don’t currently own a car.

 

Switching Insurance Providers

While Autopac is mandatory for basic coverage in Manitoba, you do have options when it comes to choosing an insurance broker. There are over 300 Autopac brokers across the province that you can purchase your policy from. If you’re unhappy with your current broker, you can switch to a new one at any time.

Here’s what you need to know about changing Autopac brokers in Manitoba:

 

Process for Changing Brokers

The process of switching insurance brokers is straightforward:

 

  • Find a new Autopac broker you want to use. You can search online or ask friends and family for recommendations.
  • Contact the new broker and let them know you want to switch. They will take down some basic information and initiate the transfer.
  • Your new broker will require a copy of your current Manitoba Public Insurance Identification Card (MPI IC). This has policy information they need to arrange the switch.
  • The new broker will contact MPI on your behalf to begin the transfer process. This typically takes 1-2 business days to complete.
  • You will receive any refund due from your previous broker. The new broker will let you know when your policy is active so you can turn in your old MPI IC card and get a new one.

 

Considerations When Switching Brokers

A few things to keep in mind when changing Autopac brokers:

 

  • Make sure to have continuous coverage. Let your new broker know the exact date you want coverage to start to avoid any gap.
  • Cancelling your policy early with one broker may result in cancellation fees. Ask for details.
  • Not all brokers can offer the same discounts and perks. Compare options to maximize savings.
  • Check that your vehicle information, driving history and coverage details transfer accurately to the new policy.

 

Overall, the process is quick and easy. Don’t hesitate to shop around for an Autopac broker that offers you the best service and value.

 

Filing a Claim with Autopac

Dealing with a car accident or damage to your vehicle can be stressful. If you need to file an insurance claim with Autopac, it’s important to understand the process and what to expect. Here’s an overview of how to file a claim and get your vehicle repaired or replaced:

  1. Report the Incident

As soon as possible after an accident or incident, call Autopac’s 24/7 claims service at 204-985-7000 or 1-800-665-2410 to report it. Provide details on what happened, if there are any injuries, and if police were called to the scene.

  1. Get a Claim Number

Autopac will log your claim and provide you with a claim number to reference in future communications. Having a claim number will make the process smoother.

  1. Have Your Vehicle Appraised

Bring your vehicle to an accredited Manitoba repair facility to get a damage appraisal. The shop will determine if your vehicle is repairable or needs to be written off as a total loss.

  1. Authorization and Repairs

Autopac will review the appraisal and authorize necessary repairs based on your coverage. Once approved, the facility can begin fixing your vehicle. Autopac may provide a rental car during this time.

  1. Claim Settlement

For total losses, Autopac will calculate a settlement amount based on the vehicle’s actual cash value at the time of loss, minus your deductible. Your claim will be closed once payment is issued.

Following the proper steps when filing your Autopac claim will help ensure you get your vehicle repaired or settlement in a timely manner.

 

Conclusion

Getting car insurance through Autopac in Manitoba can be straightforward with some research and understanding of the system. The key points to remember are:

 

  • Autopac provides mandatory minimum coverage, available through brokers across Manitoba.
  • Consider adding additional private coverage for higher limits or other benefits.
  • Many factors go into insurance rates, so shop around for the best deal.
  • High-risk drivers can still obtain coverage but may pay more.
  • Understand your policy and update it as your situation changes.

 

For more information on car insurance in Manitoba, visit the Manitoba Public Insurance website or connect with an Autopac insurance broker. Comparing options from private insurers can also help you find the right coverage at the best rate.

Manitoba Car Insurance Questions

Car insurance rates in Manitoba are among the lowest in Canada, thanks to the province’s public auto insurance system. The average Manitoba driver pays about $1,000 per year, or around $83 per month. Rates are based on factors like driving record, vehicle use, and claims history. New drivers and high-risk drivers pay more.

MPI is a provincial Crown corporation and the sole provider of basic mandatory auto insurance in Manitoba. Known as Autopac, this insurance covers injury, death, and property damage up to limits set by law. Drivers can buy additional coverage from MPI or private insurers.

Autopac covers:

 

– $200,000 third party liability

– Accident benefits up to $100,000

– Uninsured auto coverage up to $200,000

– Hit-and-run coverage

– $500 deductible for collision

– Emergency road services

Yes, the Manitoba government requires all vehicle owners to carry basic Autopac coverage from MPI. This ensures compensation for anyone injured in a crash. Drivers without insurance face fines and loss of driving privileges.

Contact an Autopac broker to get a quote. Provide details on your driving record, vehicle use, preferred deductibles, and any extra coverage you want. Online quotes aren’t available. Over 300 brokers across Manitoba sell Autopac coverage.

Rates depend on:

 

– Driving record – tickets raise rates

– Years licensed

– Vehicle use – pleasure or business

– Where you live

– Vehicle type, age and safety features

– Deductible levels

– Discounts for winter tires, multiple vehicles etc.

Tips to reduce premiums:

 

– Maintain a clean driving record with no at-fault claims

– Insure multiple vehicles on one policy

– Ask about discounts – winter tires, CAA membership etc.

– Raise deductibles to lower collision/comprehensive premiums

– Consider usage-based insurance

Yes. MPI offers extra products like rental vehicle coverage and higher liability limits. Many private insurers also sell Manitoba add-on coverage for lower deductibles, rental reimbursement etc. An Autopac broker can advise on additional insurance.

New Manitoba residents must register their vehicles and buy basic Autopac within 90 days. Cancel any existing insurance once Autopac is in place. An Autopac broker can guide you through the process. Bring your current driver’s abstract when registering.

Vehicles from other provinces can be registered and insured in Manitoba. They’ll need a safety inspection first. Insurance rates may differ from those in your former home province. MPI coverage applies once you become a Manitoba resident.

Notify MPI if you’re leaving the province. Cancel your Autopac policy and request a refund of unused premiums. When you register your vehicle in the new province, obtain insurance from a local provider before cancelling Manitoba coverage.

MPI increases premiums for at-fault claims. A first at-fault claim won’t impact your Safe Driver discount, but second and third claims within 10 years will. Higher deductibles help offset the premium increase after claims. Each at-fault claim stays on your record for 10 years.

MPI’s Safe Driver Program rewards safe driving with premium discounts. You start with a 25% discount after one year of driving with no at-fault claims. Each additional safe year increases the discount by 5% until you reach the maximum of 50% after 10 claim-free years. At-fault claims reduce or eliminate the discount.

Report all accidents by filing a claim with MPI, even if damages are minor. Call your Autopac agent or MPI’s 24/7 claim center. You’ll need details on the vehicles involved, people injured, witnesses, and other drivers’ insurance info. Police must be called for injury accidents.

File an MPI claim right away if you were involved in a hit-and-run. Provide any details you have on the other vehicle and the direction it fled. Your collision deductible may be waived if the at-fault driver isn’t identified. MPI may locate the vehicle using clues from the scene.

After reporting your accident, an MPI adjuster will investigate and determine fault based on the evidence. If you’re not at-fault, MPI will arrange repairs and provide a rental vehicle if needed. If you’re at-fault, you pay the collision deductible and your premiums may rise upon renewal.

When renting in Manitoba, basic Autopac covers third party liability. Purchase the collision/loss damage waiver (CL/LDW) from the rental company, unless your credit card provides equivalent coverage. For extra protection, add MPI’s rental vehicle protection or buy travel insurance with rental car benefits.

MPI’s MY EVĒRYDAY DISCOUNTTM bases premiums partly on driving usage and habits tracked by a telematics device in your vehicle. Safe drivers can earn savings of 5% or more. Participation is voluntary – drivers install the device and share data for potential premium reductions.

Imported vehicles with an out-of-country title can be registered and insured by MPI once properly imported into Canada through the Registrar of Imported Vehicles. Provide details on vehicle age, condition and features. Insurance rates may be higher than for similar domestic vehicles.

Sports cars, high-end luxury vehicles, and performance cars have the highest insurance rates due to repair costs and accident rates. MPI also charges more for exotic imports not designed for Canadian roads. Vehicles with modifications may also pay additional premiums.

MPI provides basic Autopac coverage for electric vehicles (EVs) registered in Manitoba. Liability premiums are similar to gas vehicles, but collision premiums are higher due to high repair costs. EVs qualify for MPI’s Early Adopter Discount reducing collision premiums by 25% for a set period after registration.

 

How Car Insurance Works in Manitoba

In Manitoba, car insurance is administered through a Crown corporation called Manitoba Public Insurance (MPI), also known as Autopac. MPI provides mandatory basic coverage to all drivers and vehicle owners in the province.

This basic Autopac insurance includes:

 

  • Third-party liability coverage up to $200,000
  • Accident benefits up to $100,000 for medical care and income replacement
  • Compensation for damage caused by uninsured motorists
  • Coverage for hit-and-run accidents

 

Autopac also covers collision damage, comprehensive damage (e.g. weather, theft), and additional accident benefits through optional extensions that drivers can purchase.

While the basic Autopac coverage is mandatory for all motorists, Manitobans can supplement their policies with additional coverage from private insurers. This includes options like rental vehicle coverage, vehicle replacement protection, and protection for high-value vehicles.

By requiring all drivers to carry a standard basic policy, MPI is able to provide affordable rates to Manitobans. At the same time, the availability of private insurers allows drivers options to customize their protection.

 

 

Cost of Car Insurance in Manitoba

Car insurance in Manitoba can cost anywhere from $800 to $2,000 per year, with the average being around $1,200 annually or about $100 per month. However, the cost varies significantly depending on your individual risk profile and coverage selections.

Some key factors that impact your insurance rates in Manitoba include:

 

  • Your driving record – tickets, at-fault accidents, and claims will increase your rates
  • Your location – insurance costs more in urban centers like Winnipeg compared to rural areas
  • Your driving experience – rates are higher for new drivers under 25 years old
  • Your vehicle – insuring luxury, sports cars, or vehicles with high repair costs have higher premiums
  • Your usage – insurance is pricier if you drive to work or school vs. pleasure only
  • Your coverage selections – higher limits and lower deductibles mean higher premiums

 

On average, Manitoba drivers pay approximately $100 per month or $1,200 per year for car insurance. However, prudent drivers with clean records and modest vehicles can often find rates closer to $800 annually, while young drivers insuring newer cars can sometimes pay over $2,000 per year.

When getting a car insurance quote in Manitoba, understand that your risk profile and selections will be the key factors that determine your insurance costs.

 

Getting an Autopac Insurance Quote

Since Autopac is mandatory for all vehicles registered in Manitoba, every driver will need to get a quote for their basic insurance coverage. Here’s what you need to know about getting a quote from an Autopac broker:

The first step is to find an Autopac insurance broker near you. There are over 300 licensed brokers across Manitoba that can provide Autopac quotes. Use MPI’s broker locator tool to find one closest to your location.

When meeting with the broker, you’ll need to provide details about yourself and your vehicle. This includes your name, address, driver’s license number, vehicle make/model/year, vehicle identification number (VIN), and information on how you use the vehicle (pleasure or commute).

The broker will enter all this information into MPI’s Insurance Rate Calculator to generate your personalized insurance quote. Rates are based on factors like your driving history, vehicle type, usage, and more. There are no obligations at this point – you can choose to purchase the policy or shop around.

It’s recommended to get quotes from 2-3 different brokers. They may have access to different promotions and discounts that can lower your rates. Once you decide on a broker, you’ll complete the purchase and they will issue your Autopac insurance coverage.

Getting an Autopac quote takes about 15-20 minutes in most cases. Have all your information ready to make the process quick and easy. This will ensure you get the best rate possible for your mandatory basic coverage.

 

Understanding Your Autopac Policy

When you purchase an Autopac policy in Manitoba, there are a few key coverages included:

 

Liability Coverage

This protects you if you cause damage to another person or property with your vehicle. There is $200,000 in coverage for claims made against you by others for bodily injury or property damage. This coverage is mandatory.

 

Accident Benefits

This provides benefits like income replacement, medical treatment, rehabilitation and funeral expenses to you and your passengers if injured in an accident, regardless of who caused it.

 

Uninsured Auto

This protects you and your passengers if hit by an uninsured or unidentified motorist. It covers injuries up to $200,000 and property damage up to $20,000.

 

Collision

This covers damage to your vehicle if it collides with another object like another car or stationary object. You can choose your deductible amount.

 

Comprehensive

This covers damage from incidents other than collisions, like theft, vandalism, hail, fire or hitting an animal. You can choose your deductible amount.

Understanding what’s included in your Autopac policy is important, as there may be gaps in coverage you want to fill with private insurance. Your broker can explain your policy in detail.

 

Adding Private Insurance in Manitoba

While basic Autopac coverage through MPI is mandatory for all Manitoba drivers, many choose to add private insurance on top of the basic coverage. Private insurers like Wawanesa and others can offer enhanced coverage options beyond what Autopac provides.

Here are some of the key benefits of adding private car insurance in Manitoba:

 

  • Lower deductibles – Autopac deductibles can be high at $500 and $300 for collisions. Private insurers often offer deductibles as low as $100 or $250. This saves you money if you need to make a claim.
  • Comprehensive coverage – Autopac only covers fire, theft and vandalism under comprehensive. Private insurers will also cover things like hail damage, flood damage, weather damage and even animal collisions.
  • Replacement cost – Autopac pays actual cash value on claims, while private insurers often offer replacement cost coverage on newer vehicles. This pays to replace your vehicle at today’s prices.
  • Rental car reimbursement – If your car is in the shop after an accident, rental coverage can pay for a rental vehicle so you’re not left without transportation.

 

The most common private coverages Manitoba drivers add beyond Autopac include:

 

  • Lower/Disappearing deductibles
  • Comprehensive and specified perils
  • Replacement cost coverage
  • Rental car reimbursement
  • Roadside assistance
  • Loss of use
  • Higher liability limits

 

Adding extra coverage through reputable insurers like Wawanesa or The Co-operators is a smart idea for most Manitoba drivers. The enhanced benefits and lower costs in the event of a claim make the extra monthly premiums well worth it.

 

Discounts and Savings Tips

There are many ways you can potentially lower your car insurance premiums in Manitoba. Here are some discounts and savings tips to consider:

 

Drive Safely

Maintaining a clean driving record with no accidents, tickets or violations is the #1 way to keep your insurance rates low in Manitoba. Every additional infraction will drive your premiums up.

 

Take a Defensive Driving Course

Completing an approved defensive driving course can make you eligible for a discount on your Autopac premiums. These courses teach advanced driving skills and techniques to help avoid collisions.

 

Increase Your Deductibles

Opting for higher deductibles when available can lower your overall insurance rates. Just make sure you have savings to cover the larger deductible amount in case you need to file a claim.

 

Bundle Home and Auto Insurance

Purchasing both your home and auto insurance together from the same provider can unlock multi-policy discounts. Manitoba Public Insurance doesn’t offer home insurance, so you’ll need to bundle with a private insurer.

 

Inquire About Group Rates

Some employers, associations and alumni groups have partnered with insurers to offer special discounted rates. Inquire whether any groups you’re a part of provide access to group insurance.

 

Reduce Your Annual Mileage

The lower your annual mileage, the less risk you pose to insurers. Keeping mileage low by carpooling, using public transit or working from home can bring your costs down.

 

Park in a Garage

If you have access to a private locked garage to keep your vehicle in, you may be eligible for a discount compared to parking on the street or in a lot.

 

Factors That Increase Your Rates

Several factors can cause your Manitoba car insurance rates to go up. Understanding what leads to higher premiums can help you make choices to keep your rates as low as possible.

 

Traffic Violations and Accidents

Getting a ticket or being involved in an at-fault accident will almost certainly increase your premiums. Common infractions like speeding, failure to stop, and distracted driving can raise your rates significantly. The more serious the offence, the higher your rates are likely to climb. At-fault accidents have a major impact too, especially if there is a high dollar value attached to the claim.

 

Your Vehicle

The type of vehicle you drive affects your rates as well. Sports cars, high-end luxury vehicles, and performance cars typically have much higher premiums because they are more expensive to repair and replace. Even something as simple as the colour of your car can influence rates in some cases.

 

Where You Live

Insurance rates tend to be higher in urban areas than in rural parts of the province. Living in a city like Winnipeg often means paying more for coverage. Additionally, some postal codes have more claims than others, which drives up costs for everyone residing in that zone.

 

Your Driving Record

In addition to any recent tickets or accidents, your overall history as a driver factors into your premium. Having multiple infractions over several years, a previous suspended license, or a history of frequent claims can make your rates skyrocket.

 

Coverage for High-Risk Drivers

Drivers with poor records, including multiple accidents, traffic violations, and DUI convictions can have a very difficult time obtaining affordable auto insurance. In Manitoba, high-risk drivers still have options for mandatory coverage through the Autopac program.

The Manitoba Public Insurance Corporation (MPIC) offers an Assigned Risk Plan for high-risk drivers who have been rejected by at least one other insurer. Coverage under the plan tends to be more expensive, and policyholders may be required to take steps like installing an ignition interlock device on their vehicle. However, it ensures all Manitoba motorists can obtain at least basic Autopac coverage as required by law.

For drivers with past convictions for impaired driving or other major violations, an SR22 certificate may be required to reinstate a driver’s license or vehicle registration. The SR22 provides proof of financial responsibility and can be obtained by purchasing appropriate coverage through Autopac. While rates will likely be higher, MPI offers this specialized coverage so high-risk drivers can get back on the road legally after serving any mandated suspensions.

Those looking to save on car insurance after accidents or violations may want to take a government-approved driver improvement course. Completing this training and remaining conviction-free for three years can lead to more affordable premiums. Manitoba Public Insurance also offers incentives like deductible rewards to help higher-risk policyholders eventually earn discounts.

While high-risk drivers in Manitoba will pay more for coverage, the province’s public auto insurance system ensures they still have access to policies needed to legally operate a vehicle. By taking steps to improve their records over time, these motorists may eventually see their rates decrease.

 

Car Insurance for Young Drivers

Drivers under 25 years old typically pay much higher car insurance premiums in Manitoba. This is because young drivers are statistically more likely to get into accidents, file claims, and commit driving infractions. According to Manitoba Public Insurance (MPI), most drivers don’t qualify for an adult discount on their Autopac premiums until they turn 25.

Being under 25 can increase your car insurance rates dramatically. For example, an 18-year-old male driver will pay around $4,500 annually for basic Autopac coverage in Winnipeg. That’s over 4 times higher than the average rate for an experienced 35-year-old driver!

Here are some tips to save on car insurance as a young driver in Manitoba:

 

  • Take an accredited driver training course – you may get up to 15% off with MPI.
  • Ask about discounts for good students with a high GPA.
  • See if you qualify for alumni or affinity group discounts.
  • Add an experienced driver as an occasional operator on your policy.
  • Drive an older, less expensive vehicle if possible.
  • Maintain a clean driving record with no tickets or accidents.
  • Consider dropping collision and comprehensive coverage to lower premiums.
  • Ask your Autopac broker about qualifying for the New Driver Credit.

 

While rates will remain high for young Manitoba drivers, taking steps like these can help maximize savings until you gain more experience behind the wheel.

 

Car Insurance for Senior Drivers

Drivers over age 65 often face higher insurance costs, as your rates increase after 65. This is because senior drivers are statistically more likely to be involved in accidents compared to middle-aged drivers. However, there are some ways mature drivers can save on their Autopac premiums after age 65:

 

  • Take a driver refresher course – Many insurance providers offer discounts for completing an approved defensive driving or refresher driving course.
  • Ask about mature driver discounts – Some insurance companies offer specific discounts for drivers over 65 who have maintained a clean driving record for a number of years.
  • Consider dropping collision/comprehensive – Since vehicles depreciate over time, it may make sense to drop these optional coverages on an older car.
  • Increase your deductibles – Choosing a higher deductible of $500 or $1,000 can reduce your overall premiums.
  • Enroll in an affinity program – Joining an alumni or professional association that offers group discount programs can help lower rates.
  • Maintain a good driving record – Avoiding accidents, traffic violations, and claims will keep your rates as low as possible.

 

By taking advantage of available discounts and modifying your policy options, mature drivers can find significant savings on their Manitoba car insurance.

 

Non-Owner Car Insurance

Manitoba residents who do not own a vehicle can still get car insurance coverage through the Non-Owner’s Policy offered by Autopac. This policy provides liability coverage when you drive someone else’s vehicle with their permission. It can apply when borrowing a family member or friend’s car, driving a rental car, or operating an employer’s vehicle for work purposes.

The Non-Owner’s Policy protects you if you cause damage to another vehicle, property, or injure someone while driving the non-owned car. It provides up to $500,000 in third-party liability insurance. This policy does not cover damage to the vehicle you are driving itself.

Getting non-owner car insurance in Manitoba is affordable and easy to obtain. You simply need to contact Autopac and provide your driver’s license. There are no vehicle details required. Premiums start at around $200 per year. This policy is mandatory if your license is suspended but you still need to drive other vehicles.

Having non-owner coverage can maintain a continuous insurance record and help build up driving experience under your belt. This keeps insurance costs lower whenever you do purchase your own vehicle down the road. Non-owner car insurance provides important financial protection while allowing flexibility if you don’t currently own a car.

 

Switching Insurance Providers

While Autopac is mandatory for basic coverage in Manitoba, you do have options when it comes to choosing an insurance broker. There are over 300 Autopac brokers across the province that you can purchase your policy from. If you’re unhappy with your current broker, you can switch to a new one at any time.

Here’s what you need to know about changing Autopac brokers in Manitoba:

 

Process for Changing Brokers

The process of switching insurance brokers is straightforward:

 

  • Find a new Autopac broker you want to use. You can search online or ask friends and family for recommendations.
  • Contact the new broker and let them know you want to switch. They will take down some basic information and initiate the transfer.
  • Your new broker will require a copy of your current Manitoba Public Insurance Identification Card (MPI IC). This has policy information they need to arrange the switch.
  • The new broker will contact MPI on your behalf to begin the transfer process. This typically takes 1-2 business days to complete.
  • You will receive any refund due from your previous broker. The new broker will let you know when your policy is active so you can turn in your old MPI IC card and get a new one.

 

Considerations When Switching Brokers

A few things to keep in mind when changing Autopac brokers:

 

  • Make sure to have continuous coverage. Let your new broker know the exact date you want coverage to start to avoid any gap.
  • Cancelling your policy early with one broker may result in cancellation fees. Ask for details.
  • Not all brokers can offer the same discounts and perks. Compare options to maximize savings.
  • Check that your vehicle information, driving history and coverage details transfer accurately to the new policy.

 

Overall, the process is quick and easy. Don’t hesitate to shop around for an Autopac broker that offers you the best service and value.

 

Filing a Claim with Autopac

Dealing with a car accident or damage to your vehicle can be stressful. If you need to file an insurance claim with Autopac, it’s important to understand the process and what to expect. Here’s an overview of how to file a claim and get your vehicle repaired or replaced:

  1. Report the Incident

As soon as possible after an accident or incident, call Autopac’s 24/7 claims service at 204-985-7000 or 1-800-665-2410 to report it. Provide details on what happened, if there are any injuries, and if police were called to the scene.

  1. Get a Claim Number

Autopac will log your claim and provide you with a claim number to reference in future communications. Having a claim number will make the process smoother.

  1. Have Your Vehicle Appraised

Bring your vehicle to an accredited Manitoba repair facility to get a damage appraisal. The shop will determine if your vehicle is repairable or needs to be written off as a total loss.

  1. Authorization and Repairs

Autopac will review the appraisal and authorize necessary repairs based on your coverage. Once approved, the facility can begin fixing your vehicle. Autopac may provide a rental car during this time.

  1. Claim Settlement

For total losses, Autopac will calculate a settlement amount based on the vehicle’s actual cash value at the time of loss, minus your deductible. Your claim will be closed once payment is issued.

Following the proper steps when filing your Autopac claim will help ensure you get your vehicle repaired or settlement in a timely manner.

 

Conclusion

Getting car insurance through Autopac in Manitoba can be straightforward with some research and understanding of the system. The key points to remember are:

 

  • Autopac provides mandatory minimum coverage, available through brokers across Manitoba.
  • Consider adding additional private coverage for higher limits or other benefits.
  • Many factors go into insurance rates, so shop around for the best deal.
  • High-risk drivers can still obtain coverage but may pay more.
  • Understand your policy and update it as your situation changes.

 

For more information on car insurance in Manitoba, visit the Manitoba Public Insurance website or connect with an Autopac insurance broker. Comparing options from private insurers can also help you find the right coverage at the best rate.

Manitoba Car Insurance Questions

Car insurance rates in Manitoba are among the lowest in Canada, thanks to the province’s public auto insurance system. The average Manitoba driver pays about $1,000 per year, or around $83 per month. Rates are based on factors like driving record, vehicle use, and claims history. New drivers and high-risk drivers pay more.

MPI is a provincial Crown corporation and the sole provider of basic mandatory auto insurance in Manitoba. Known as Autopac, this insurance covers injury, death, and property damage up to limits set by law. Drivers can buy additional coverage from MPI or private insurers.

Autopac covers:

 

– $200,000 third party liability

– Accident benefits up to $100,000

– Uninsured auto coverage up to $200,000

– Hit-and-run coverage

– $500 deductible for collision

– Emergency road services

Yes, the Manitoba government requires all vehicle owners to carry basic Autopac coverage from MPI. This ensures compensation for anyone injured in a crash. Drivers without insurance face fines and loss of driving privileges.

Contact an Autopac broker to get a quote. Provide details on your driving record, vehicle use, preferred deductibles, and any extra coverage you want. Online quotes aren’t available. Over 300 brokers across Manitoba sell Autopac coverage.

Rates depend on:

 

– Driving record – tickets raise rates

– Years licensed

– Vehicle use – pleasure or business

– Where you live

– Vehicle type, age and safety features

– Deductible levels

– Discounts for winter tires, multiple vehicles etc.

Tips to reduce premiums:

 

– Maintain a clean driving record with no at-fault claims

– Insure multiple vehicles on one policy

– Ask about discounts – winter tires, CAA membership etc.

– Raise deductibles to lower collision/comprehensive premiums

– Consider usage-based insurance

Yes. MPI offers extra products like rental vehicle coverage and higher liability limits. Many private insurers also sell Manitoba add-on coverage for lower deductibles, rental reimbursement etc. An Autopac broker can advise on additional insurance.

New Manitoba residents must register their vehicles and buy basic Autopac within 90 days. Cancel any existing insurance once Autopac is in place. An Autopac broker can guide you through the process. Bring your current driver’s abstract when registering.

Vehicles from other provinces can be registered and insured in Manitoba. They’ll need a safety inspection first. Insurance rates may differ from those in your former home province. MPI coverage applies once you become a Manitoba resident.

Notify MPI if you’re leaving the province. Cancel your Autopac policy and request a refund of unused premiums. When you register your vehicle in the new province, obtain insurance from a local provider before cancelling Manitoba coverage.

MPI increases premiums for at-fault claims. A first at-fault claim won’t impact your Safe Driver discount, but second and third claims within 10 years will. Higher deductibles help offset the premium increase after claims. Each at-fault claim stays on your record for 10 years.

MPI’s Safe Driver Program rewards safe driving with premium discounts. You start with a 25% discount after one year of driving with no at-fault claims. Each additional safe year increases the discount by 5% until you reach the maximum of 50% after 10 claim-free years. At-fault claims reduce or eliminate the discount.

Report all accidents by filing a claim with MPI, even if damages are minor. Call your Autopac agent or MPI’s 24/7 claim center. You’ll need details on the vehicles involved, people injured, witnesses, and other drivers’ insurance info. Police must be called for injury accidents.

File an MPI claim right away if you were involved in a hit-and-run. Provide any details you have on the other vehicle and the direction it fled. Your collision deductible may be waived if the at-fault driver isn’t identified. MPI may locate the vehicle using clues from the scene.

After reporting your accident, an MPI adjuster will investigate and determine fault based on the evidence. If you’re not at-fault, MPI will arrange repairs and provide a rental vehicle if needed. If you’re at-fault, you pay the collision deductible and your premiums may rise upon renewal.

When renting in Manitoba, basic Autopac covers third party liability. Purchase the collision/loss damage waiver (CL/LDW) from the rental company, unless your credit card provides equivalent coverage. For extra protection, add MPI’s rental vehicle protection or buy travel insurance with rental car benefits.

MPI’s MY EVĒRYDAY DISCOUNTTM bases premiums partly on driving usage and habits tracked by a telematics device in your vehicle. Safe drivers can earn savings of 5% or more. Participation is voluntary – drivers install the device and share data for potential premium reductions.

Imported vehicles with an out-of-country title can be registered and insured by MPI once properly imported into Canada through the Registrar of Imported Vehicles. Provide details on vehicle age, condition and features. Insurance rates may be higher than for similar domestic vehicles.

Sports cars, high-end luxury vehicles, and performance cars have the highest insurance rates due to repair costs and accident rates. MPI also charges more for exotic imports not designed for Canadian roads. Vehicles with modifications may also pay additional premiums.

MPI provides basic Autopac coverage for electric vehicles (EVs) registered in Manitoba. Liability premiums are similar to gas vehicles, but collision premiums are higher due to high repair costs. EVs qualify for MPI’s Early Adopter Discount reducing collision premiums by 25% for a set period after registration.

 

How Car Insurance Works in Manitoba

In Manitoba, car insurance is administered through a Crown corporation called Manitoba Public Insurance (MPI), also known as Autopac. MPI provides mandatory basic coverage to all drivers and vehicle owners in the province.

This basic Autopac insurance includes:

 

  • Third-party liability coverage up to $200,000
  • Accident benefits up to $100,000 for medical care and income replacement
  • Compensation for damage caused by uninsured motorists
  • Coverage for hit-and-run accidents

 

Autopac also covers collision damage, comprehensive damage (e.g. weather, theft), and additional accident benefits through optional extensions that drivers can purchase.

While the basic Autopac coverage is mandatory for all motorists, Manitobans can supplement their policies with additional coverage from private insurers. This includes options like rental vehicle coverage, vehicle replacement protection, and protection for high-value vehicles.

By requiring all drivers to carry a standard basic policy, MPI is able to provide affordable rates to Manitobans. At the same time, the availability of private insurers allows drivers options to customize their protection.

 

 

Cost of Car Insurance in Manitoba

Car insurance in Manitoba can cost anywhere from $800 to $2,000 per year, with the average being around $1,200 annually or about $100 per month. However, the cost varies significantly depending on your individual risk profile and coverage selections.

Some key factors that impact your insurance rates in Manitoba include:

 

  • Your driving record – tickets, at-fault accidents, and claims will increase your rates
  • Your location – insurance costs more in urban centers like Winnipeg compared to rural areas
  • Your driving experience – rates are higher for new drivers under 25 years old
  • Your vehicle – insuring luxury, sports cars, or vehicles with high repair costs have higher premiums
  • Your usage – insurance is pricier if you drive to work or school vs. pleasure only
  • Your coverage selections – higher limits and lower deductibles mean higher premiums

 

On average, Manitoba drivers pay approximately $100 per month or $1,200 per year for car insurance. However, prudent drivers with clean records and modest vehicles can often find rates closer to $800 annually, while young drivers insuring newer cars can sometimes pay over $2,000 per year.

When getting a car insurance quote in Manitoba, understand that your risk profile and selections will be the key factors that determine your insurance costs.

 

Getting an Autopac Insurance Quote

Since Autopac is mandatory for all vehicles registered in Manitoba, every driver will need to get a quote for their basic insurance coverage. Here’s what you need to know about getting a quote from an Autopac broker:

The first step is to find an Autopac insurance broker near you. There are over 300 licensed brokers across Manitoba that can provide Autopac quotes. Use MPI’s broker locator tool to find one closest to your location.

When meeting with the broker, you’ll need to provide details about yourself and your vehicle. This includes your name, address, driver’s license number, vehicle make/model/year, vehicle identification number (VIN), and information on how you use the vehicle (pleasure or commute).

The broker will enter all this information into MPI’s Insurance Rate Calculator to generate your personalized insurance quote. Rates are based on factors like your driving history, vehicle type, usage, and more. There are no obligations at this point – you can choose to purchase the policy or shop around.

It’s recommended to get quotes from 2-3 different brokers. They may have access to different promotions and discounts that can lower your rates. Once you decide on a broker, you’ll complete the purchase and they will issue your Autopac insurance coverage.

Getting an Autopac quote takes about 15-20 minutes in most cases. Have all your information ready to make the process quick and easy. This will ensure you get the best rate possible for your mandatory basic coverage.

 

Understanding Your Autopac Policy

When you purchase an Autopac policy in Manitoba, there are a few key coverages included:

 

Liability Coverage

This protects you if you cause damage to another person or property with your vehicle. There is $200,000 in coverage for claims made against you by others for bodily injury or property damage. This coverage is mandatory.

 

Accident Benefits

This provides benefits like income replacement, medical treatment, rehabilitation and funeral expenses to you and your passengers if injured in an accident, regardless of who caused it.

 

Uninsured Auto

This protects you and your passengers if hit by an uninsured or unidentified motorist. It covers injuries up to $200,000 and property damage up to $20,000.

 

Collision

This covers damage to your vehicle if it collides with another object like another car or stationary object. You can choose your deductible amount.

 

Comprehensive

This covers damage from incidents other than collisions, like theft, vandalism, hail, fire or hitting an animal. You can choose your deductible amount.

Understanding what’s included in your Autopac policy is important, as there may be gaps in coverage you want to fill with private insurance. Your broker can explain your policy in detail.

 

Adding Private Insurance in Manitoba

While basic Autopac coverage through MPI is mandatory for all Manitoba drivers, many choose to add private insurance on top of the basic coverage. Private insurers like Wawanesa and others can offer enhanced coverage options beyond what Autopac provides.

Here are some of the key benefits of adding private car insurance in Manitoba:

 

  • Lower deductibles – Autopac deductibles can be high at $500 and $300 for collisions. Private insurers often offer deductibles as low as $100 or $250. This saves you money if you need to make a claim.
  • Comprehensive coverage – Autopac only covers fire, theft and vandalism under comprehensive. Private insurers will also cover things like hail damage, flood damage, weather damage and even animal collisions.
  • Replacement cost – Autopac pays actual cash value on claims, while private insurers often offer replacement cost coverage on newer vehicles. This pays to replace your vehicle at today’s prices.
  • Rental car reimbursement – If your car is in the shop after an accident, rental coverage can pay for a rental vehicle so you’re not left without transportation.

 

The most common private coverages Manitoba drivers add beyond Autopac include:

 

  • Lower/Disappearing deductibles
  • Comprehensive and specified perils
  • Replacement cost coverage
  • Rental car reimbursement
  • Roadside assistance
  • Loss of use
  • Higher liability limits

 

Adding extra coverage through reputable insurers like Wawanesa or The Co-operators is a smart idea for most Manitoba drivers. The enhanced benefits and lower costs in the event of a claim make the extra monthly premiums well worth it.

 

Discounts and Savings Tips

There are many ways you can potentially lower your car insurance premiums in Manitoba. Here are some discounts and savings tips to consider:

 

Drive Safely

Maintaining a clean driving record with no accidents, tickets or violations is the #1 way to keep your insurance rates low in Manitoba. Every additional infraction will drive your premiums up.

 

Take a Defensive Driving Course

Completing an approved defensive driving course can make you eligible for a discount on your Autopac premiums. These courses teach advanced driving skills and techniques to help avoid collisions.

 

Increase Your Deductibles

Opting for higher deductibles when available can lower your overall insurance rates. Just make sure you have savings to cover the larger deductible amount in case you need to file a claim.

 

Bundle Home and Auto Insurance

Purchasing both your home and auto insurance together from the same provider can unlock multi-policy discounts. Manitoba Public Insurance doesn’t offer home insurance, so you’ll need to bundle with a private insurer.

 

Inquire About Group Rates

Some employers, associations and alumni groups have partnered with insurers to offer special discounted rates. Inquire whether any groups you’re a part of provide access to group insurance.

 

Reduce Your Annual Mileage

The lower your annual mileage, the less risk you pose to insurers. Keeping mileage low by carpooling, using public transit or working from home can bring your costs down.

 

Park in a Garage

If you have access to a private locked garage to keep your vehicle in, you may be eligible for a discount compared to parking on the street or in a lot.

 

Factors That Increase Your Rates

Several factors can cause your Manitoba car insurance rates to go up. Understanding what leads to higher premiums can help you make choices to keep your rates as low as possible.

 

Traffic Violations and Accidents

Getting a ticket or being involved in an at-fault accident will almost certainly increase your premiums. Common infractions like speeding, failure to stop, and distracted driving can raise your rates significantly. The more serious the offence, the higher your rates are likely to climb. At-fault accidents have a major impact too, especially if there is a high dollar value attached to the claim.

 

Your Vehicle

The type of vehicle you drive affects your rates as well. Sports cars, high-end luxury vehicles, and performance cars typically have much higher premiums because they are more expensive to repair and replace. Even something as simple as the colour of your car can influence rates in some cases.

 

Where You Live

Insurance rates tend to be higher in urban areas than in rural parts of the province. Living in a city like Winnipeg often means paying more for coverage. Additionally, some postal codes have more claims than others, which drives up costs for everyone residing in that zone.

 

Your Driving Record

In addition to any recent tickets or accidents, your overall history as a driver factors into your premium. Having multiple infractions over several years, a previous suspended license, or a history of frequent claims can make your rates skyrocket.

 

Coverage for High-Risk Drivers

Drivers with poor records, including multiple accidents, traffic violations, and DUI convictions can have a very difficult time obtaining affordable auto insurance. In Manitoba, high-risk drivers still have options for mandatory coverage through the Autopac program.

The Manitoba Public Insurance Corporation (MPIC) offers an Assigned Risk Plan for high-risk drivers who have been rejected by at least one other insurer. Coverage under the plan tends to be more expensive, and policyholders may be required to take steps like installing an ignition interlock device on their vehicle. However, it ensures all Manitoba motorists can obtain at least basic Autopac coverage as required by law.

For drivers with past convictions for impaired driving or other major violations, an SR22 certificate may be required to reinstate a driver’s license or vehicle registration. The SR22 provides proof of financial responsibility and can be obtained by purchasing appropriate coverage through Autopac. While rates will likely be higher, MPI offers this specialized coverage so high-risk drivers can get back on the road legally after serving any mandated suspensions.

Those looking to save on car insurance after accidents or violations may want to take a government-approved driver improvement course. Completing this training and remaining conviction-free for three years can lead to more affordable premiums. Manitoba Public Insurance also offers incentives like deductible rewards to help higher-risk policyholders eventually earn discounts.

While high-risk drivers in Manitoba will pay more for coverage, the province’s public auto insurance system ensures they still have access to policies needed to legally operate a vehicle. By taking steps to improve their records over time, these motorists may eventually see their rates decrease.

 

Car Insurance for Young Drivers

Drivers under 25 years old typically pay much higher car insurance premiums in Manitoba. This is because young drivers are statistically more likely to get into accidents, file claims, and commit driving infractions. According to Manitoba Public Insurance (MPI), most drivers don’t qualify for an adult discount on their Autopac premiums until they turn 25.

Being under 25 can increase your car insurance rates dramatically. For example, an 18-year-old male driver will pay around $4,500 annually for basic Autopac coverage in Winnipeg. That’s over 4 times higher than the average rate for an experienced 35-year-old driver!

Here are some tips to save on car insurance as a young driver in Manitoba:

 

  • Take an accredited driver training course – you may get up to 15% off with MPI.
  • Ask about discounts for good students with a high GPA.
  • See if you qualify for alumni or affinity group discounts.
  • Add an experienced driver as an occasional operator on your policy.
  • Drive an older, less expensive vehicle if possible.
  • Maintain a clean driving record with no tickets or accidents.
  • Consider dropping collision and comprehensive coverage to lower premiums.
  • Ask your Autopac broker about qualifying for the New Driver Credit.

 

While rates will remain high for young Manitoba drivers, taking steps like these can help maximize savings until you gain more experience behind the wheel.

 

Car Insurance for Senior Drivers

Drivers over age 65 often face higher insurance costs, as your rates increase after 65. This is because senior drivers are statistically more likely to be involved in accidents compared to middle-aged drivers. However, there are some ways mature drivers can save on their Autopac premiums after age 65:

 

  • Take a driver refresher course – Many insurance providers offer discounts for completing an approved defensive driving or refresher driving course.
  • Ask about mature driver discounts – Some insurance companies offer specific discounts for drivers over 65 who have maintained a clean driving record for a number of years.
  • Consider dropping collision/comprehensive – Since vehicles depreciate over time, it may make sense to drop these optional coverages on an older car.
  • Increase your deductibles – Choosing a higher deductible of $500 or $1,000 can reduce your overall premiums.
  • Enroll in an affinity program – Joining an alumni or professional association that offers group discount programs can help lower rates.
  • Maintain a good driving record – Avoiding accidents, traffic violations, and claims will keep your rates as low as possible.

 

By taking advantage of available discounts and modifying your policy options, mature drivers can find significant savings on their Manitoba car insurance.

 

Non-Owner Car Insurance

Manitoba residents who do not own a vehicle can still get car insurance coverage through the Non-Owner’s Policy offered by Autopac. This policy provides liability coverage when you drive someone else’s vehicle with their permission. It can apply when borrowing a family member or friend’s car, driving a rental car, or operating an employer’s vehicle for work purposes.

The Non-Owner’s Policy protects you if you cause damage to another vehicle, property, or injure someone while driving the non-owned car. It provides up to $500,000 in third-party liability insurance. This policy does not cover damage to the vehicle you are driving itself.

Getting non-owner car insurance in Manitoba is affordable and easy to obtain. You simply need to contact Autopac and provide your driver’s license. There are no vehicle details required. Premiums start at around $200 per year. This policy is mandatory if your license is suspended but you still need to drive other vehicles.

Having non-owner coverage can maintain a continuous insurance record and help build up driving experience under your belt. This keeps insurance costs lower whenever you do purchase your own vehicle down the road. Non-owner car insurance provides important financial protection while allowing flexibility if you don’t currently own a car.

 

Switching Insurance Providers

While Autopac is mandatory for basic coverage in Manitoba, you do have options when it comes to choosing an insurance broker. There are over 300 Autopac brokers across the province that you can purchase your policy from. If you’re unhappy with your current broker, you can switch to a new one at any time.

Here’s what you need to know about changing Autopac brokers in Manitoba:

 

Process for Changing Brokers

The process of switching insurance brokers is straightforward:

 

  • Find a new Autopac broker you want to use. You can search online or ask friends and family for recommendations.
  • Contact the new broker and let them know you want to switch. They will take down some basic information and initiate the transfer.
  • Your new broker will require a copy of your current Manitoba Public Insurance Identification Card (MPI IC). This has policy information they need to arrange the switch.
  • The new broker will contact MPI on your behalf to begin the transfer process. This typically takes 1-2 business days to complete.
  • You will receive any refund due from your previous broker. The new broker will let you know when your policy is active so you can turn in your old MPI IC card and get a new one.

 

Considerations When Switching Brokers

A few things to keep in mind when changing Autopac brokers:

 

  • Make sure to have continuous coverage. Let your new broker know the exact date you want coverage to start to avoid any gap.
  • Cancelling your policy early with one broker may result in cancellation fees. Ask for details.
  • Not all brokers can offer the same discounts and perks. Compare options to maximize savings.
  • Check that your vehicle information, driving history and coverage details transfer accurately to the new policy.

 

Overall, the process is quick and easy. Don’t hesitate to shop around for an Autopac broker that offers you the best service and value.

 

Filing a Claim with Autopac

Dealing with a car accident or damage to your vehicle can be stressful. If you need to file an insurance claim with Autopac, it’s important to understand the process and what to expect. Here’s an overview of how to file a claim and get your vehicle repaired or replaced:

  1. Report the Incident

As soon as possible after an accident or incident, call Autopac’s 24/7 claims service at 204-985-7000 or 1-800-665-2410 to report it. Provide details on what happened, if there are any injuries, and if police were called to the scene.

  1. Get a Claim Number

Autopac will log your claim and provide you with a claim number to reference in future communications. Having a claim number will make the process smoother.

  1. Have Your Vehicle Appraised

Bring your vehicle to an accredited Manitoba repair facility to get a damage appraisal. The shop will determine if your vehicle is repairable or needs to be written off as a total loss.

  1. Authorization and Repairs

Autopac will review the appraisal and authorize necessary repairs based on your coverage. Once approved, the facility can begin fixing your vehicle. Autopac may provide a rental car during this time.

  1. Claim Settlement

For total losses, Autopac will calculate a settlement amount based on the vehicle’s actual cash value at the time of loss, minus your deductible. Your claim will be closed once payment is issued.

Following the proper steps when filing your Autopac claim will help ensure you get your vehicle repaired or settlement in a timely manner.

 

Conclusion

Getting car insurance through Autopac in Manitoba can be straightforward with some research and understanding of the system. The key points to remember are:

 

  • Autopac provides mandatory minimum coverage, available through brokers across Manitoba.
  • Consider adding additional private coverage for higher limits or other benefits.
  • Many factors go into insurance rates, so shop around for the best deal.
  • High-risk drivers can still obtain coverage but may pay more.
  • Understand your policy and update it as your situation changes.

 

For more information on car insurance in Manitoba, visit the Manitoba Public Insurance website or connect with an Autopac insurance broker. Comparing options from private insurers can also help you find the right coverage at the best rate.

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Manitoba Car Insurance Questions

Car insurance rates in Manitoba are among the lowest in Canada, thanks to the province’s public auto insurance system. The average Manitoba driver pays about $1,000 per year, or around $83 per month. Rates are based on factors like driving record, vehicle use, and claims history. New drivers and high-risk drivers pay more.

MPI is a provincial Crown corporation and the sole provider of basic mandatory auto insurance in Manitoba. Known as Autopac, this insurance covers injury, death, and property damage up to limits set by law. Drivers can buy additional coverage from MPI or private insurers.

Autopac covers:

 

– $200,000 third party liability

– Accident benefits up to $100,000

– Uninsured auto coverage up to $200,000

– Hit-and-run coverage

– $500 deductible for collision

– Emergency road services

Yes, the Manitoba government requires all vehicle owners to carry basic Autopac coverage from MPI. This ensures compensation for anyone injured in a crash. Drivers without insurance face fines and loss of driving privileges.

Contact an Autopac broker to get a quote. Provide details on your driving record, vehicle use, preferred deductibles, and any extra coverage you want. Online quotes aren’t available. Over 300 brokers across Manitoba sell Autopac coverage.

Rates depend on:

 

– Driving record – tickets raise rates

– Years licensed

– Vehicle use – pleasure or business

– Where you live

– Vehicle type, age and safety features

– Deductible levels

– Discounts for winter tires, multiple vehicles etc.

Tips to reduce premiums:

 

– Maintain a clean driving record with no at-fault claims

– Insure multiple vehicles on one policy

– Ask about discounts – winter tires, CAA membership etc.

– Raise deductibles to lower collision/comprehensive premiums

– Consider usage-based insurance

Yes. MPI offers extra products like rental vehicle coverage and higher liability limits. Many private insurers also sell Manitoba add-on coverage for lower deductibles, rental reimbursement etc. An Autopac broker can advise on additional insurance.

New Manitoba residents must register their vehicles and buy basic Autopac within 90 days. Cancel any existing insurance once Autopac is in place. An Autopac broker can guide you through the process. Bring your current driver’s abstract when registering.

Vehicles from other provinces can be registered and insured in Manitoba. They’ll need a safety inspection first. Insurance rates may differ from those in your former home province. MPI coverage applies once you become a Manitoba resident.

Notify MPI if you’re leaving the province. Cancel your Autopac policy and request a refund of unused premiums. When you register your vehicle in the new province, obtain insurance from a local provider before cancelling Manitoba coverage.

MPI increases premiums for at-fault claims. A first at-fault claim won’t impact your Safe Driver discount, but second and third claims within 10 years will. Higher deductibles help offset the premium increase after claims. Each at-fault claim stays on your record for 10 years.

MPI’s Safe Driver Program rewards safe driving with premium discounts. You start with a 25% discount after one year of driving with no at-fault claims. Each additional safe year increases the discount by 5% until you reach the maximum of 50% after 10 claim-free years. At-fault claims reduce or eliminate the discount.

Report all accidents by filing a claim with MPI, even if damages are minor. Call your Autopac agent or MPI’s 24/7 claim center. You’ll need details on the vehicles involved, people injured, witnesses, and other drivers’ insurance info. Police must be called for injury accidents.

File an MPI claim right away if you were involved in a hit-and-run. Provide any details you have on the other vehicle and the direction it fled. Your collision deductible may be waived if the at-fault driver isn’t identified. MPI may locate the vehicle using clues from the scene.

After reporting your accident, an MPI adjuster will investigate and determine fault based on the evidence. If you’re not at-fault, MPI will arrange repairs and provide a rental vehicle if needed. If you’re at-fault, you pay the collision deductible and your premiums may rise upon renewal.

When renting in Manitoba, basic Autopac covers third party liability. Purchase the collision/loss damage waiver (CL/LDW) from the rental company, unless your credit card provides equivalent coverage. For extra protection, add MPI’s rental vehicle protection or buy travel insurance with rental car benefits.

MPI’s MY EVĒRYDAY DISCOUNTTM bases premiums partly on driving usage and habits tracked by a telematics device in your vehicle. Safe drivers can earn savings of 5% or more. Participation is voluntary – drivers install the device and share data for potential premium reductions.

Imported vehicles with an out-of-country title can be registered and insured by MPI once properly imported into Canada through the Registrar of Imported Vehicles. Provide details on vehicle age, condition and features. Insurance rates may be higher than for similar domestic vehicles.

Sports cars, high-end luxury vehicles, and performance cars have the highest insurance rates due to repair costs and accident rates. MPI also charges more for exotic imports not designed for Canadian roads. Vehicles with modifications may also pay additional premiums.

MPI provides basic Autopac coverage for electric vehicles (EVs) registered in Manitoba. Liability premiums are similar to gas vehicles, but collision premiums are higher due to high repair costs. EVs qualify for MPI’s Early Adopter Discount reducing collision premiums by 25% for a set period after registration.

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