Manitoba car insurance calculator.

Find how much you’ll pay each month with our British Columbia car insurance calculator.

Visit your province's government-sanctioned insurance website to get an auto insurance quote.

Get Quote

Learn how car insurance in Manitoba is calculated

Auto insurance in Manitoba is provided by Manitoba Public Insurance (MPI), a provincial agency. This means LowestRates.ca can’t provide auto insurance quotes to Manitoba drivers looking to find a cheaper insurance policy.

MPI has a car insurance calculator tool to help Manitoba drivers estimate their insurance costs. Click the “Get Started” button above to use the calculator and get an estimate for your Manitoba car insurance costs.

That said, there are things you can do to reduce the cost of your auto insurance, even within Manitoba’s single-provider car insurance system. Below you'll find information that will help you as you go about getting a car insurance policy in MB. Read on to get the facts and save money.

35,725 Canadians

have compared rates and saved money over the last 24 hours

What our users say:

Excellent
Based on 331 reviews
July 15
Auto Insurance
I was looking for an insurance rate that would help me save money, I did a Googl...
Louise Beaton
July 7
Great and honest service !!!
Meaghan Ford was amazing with her service and very patient in explaining all the...
Zee Sajid
July 1
excellent service
excellent service
An Luu
June 22
Highly recommended
Excellent customer service. Was very patient and answer my customers toughly. Fo...
Karan Parmar
June 18
Chelsea was very helpful
Chelsea was very helpful, answered all my questions and set me up hassle free. S...
Chris
June 11
Very nice broker
Very nice broker. Good service. Found a great deal.
Meredith Berggren
June 9
Simple, fast, affordable!
Took a little longer than expected for the billing to go through, but otherwise...
Jonathan C
June 5
Awesome work
wow what an awesome rep. He did up everything, extremely fast and was very under...
Delroy Paul
June 4
It was a pleasure dealing with your…
It was a pleasure dealing with your broker, it made switching insurance companie...
Michael Sheridan
May 27
Excellent customer service
This is the first time I got insurances from Direct Rate.I have nothing but good...
Tejas Patel
May 26
Quick service
Quick service, good price
dl
May 22
Imad Harrouk was great !
Imad Harrouk was great ! intelligent well spoken professional polite a perso...
james bannon
May 21
Imad Harrouk helped me get the best…
Imad Harrouk helped me get the best home and auto bundle insurance quote. He was...
Amanda Moskowitz
May 20
Excellent !!! Very competitive rates !!
Excellent customer services also they have very competitive rates !!
Eliza Gallant
May 20
Excellent Service
Sonia was patient with all of my questions, helpful and cheerful through the ent...
Cori Thompson
May 18
I was treated fairly and walked through…
I was treated fairly and walked through my purchase.I enjoyed the agent was exce...
paul neville
May 14
Highly recommend
Great experience, simple to use and they gave me a lot of options at prices that...
Chandra Wilson
May 11
Easy
Easy, clear and fast. Very effective.
Rene Izquierdo de la Cruz
May 6
Sonia was very helpful and nice…
Sonia was very helpful and nice throughout the whole process. She got me the bes...
Ali Al-Rubayee
May 6
Very friendly and professional
Very friendly and professional. She always try to help. Really appreciate.
Binod Shrestha
May 5
He was so amazing
He was so amazing. He went out his way to help me. He deserves a raise Very po...
Shahin Abbaskhan
April 27
Great rates!
Ryan was very helpful and polite.He went all out to find me the best rate. He wa...
Linda Shelton
April 22
The service was excellent
The service was excellent. Emad provided awesome service for me.
John Bowden
April 19
Fast and professional customer service
Fast and professional customer service. All of my questions were answered and I...
P COSTANTINI

Manitoba auto insurance calculator questions.

How to calculate car insurance rates in Manitoba

Car insurance in Manitoba is provided through the province’s Autopac program. Your Autopac car insurance rate is calculated based on the following factors:

  • Where you live (MPI divides Manitoba into four territories)
  • How you use your vehicle, whether it’s occasionally or daily for commuting
  • The type of car you drive (its make, model, and safety features)
  • Your driving record

Unlike provinces with private car insurance markets, Manitoba drivers are not rated based on their age, gender, or employment status. However, young drivers still pay more for car insurance than experienced drivers, due to their lack of insurance history.

To get an idea of what you might pay for insurance, use MPI’s car insurance estimator tool for Manitoba drivers.

The average monthly cost of car insurance in Manitoba

According to the Insurance Bureau of Canada, Manitoba has the fourth highest car insurance rates in Canada. Drivers here pay roughly $1,140 per year for car insurance, making the monthly cost of car insurance in Manitoba roughly $117. Other provinces with public car insurance systems include B.C. ($1,832/year), Saskatchewan ($1,235/year), and Quebec ($717/year).

MPI’s car insurance cost calculator gives Manitoba drivers a preview of what they might pay for insurance.

Mandatory car insurance coverages in Manitoba

All-purpose car insurance from Autopac includes the following:

Third-party liability:

  • Protects you if you are legally responsible for damage or injury to another person.
  • Drivers must buy at least $200,000 in liability insurance.
  • You have the option to increase your third-party liability protection to $1 million, $2 million, $5 million, $7 million or $10 million.
  • Coverage can be transferred to someone borrowing your car as long as they have the owner’s permission.

Personal Injury Protection Plan:

  • All residents have injury coverage through Autopac, regardless if they’re a driver or not. It guarantees accident benefits if you’re injured in a traffic collision.
  • For Manitobans, there is no reduction in the level of benefit based on the degree of fault for the accident.
  • Personal Injury Protection Plan (PIPP) coverage is valid for Manitobans travelling in Canada and the United States. It also covers visitors to Manitoba who are injured in an accident in Manitoba.

All-perils coverage:

  • Covers your car against accidental loss or damage anywhere in Canada and in the U.S.
  • Will cover physical damage caused by vandalism, theft, flooding hail, storms, and explosions.

Disability benefits:

  • 90% of net wages based on gross annual income of maximum, up to a maximum $101,000/year.

Impairment benefits:

  • Minimum $821/week, maximum total of $164,181 for non-catastrophic injury; maximum $259,245 for catastrophic injury (includes indemnity for non-catastrophic injury of $164,181).

Death benefits:

  • Benefits for partners depend on the wage and age of the deceased; minimum $65,674; non-dependent children or parents receive $14,625.

Funeral expense benefits:

  • $8,951 (maximum)

Use MPI’s car insurance rate calculator to see what your Manitoba car insurance rate might be.

Auto insurance savings for Manitoba drivers

MPI provides drivers who own multiple cars with a way to save on car insurance. The public insurer advises drivers who use more than two cars for work, school or business to insure the car that costs the most to insurance with all-purpose insurance and the others with cheaper pleasure insurance (low annual mileage insurance).

Other tips on how to save on car insurance in Manitoba

There are many ways to get cheap auto insurance in Manitoba:

  • Pay premiums in full and on time (partial payment can open a world of trouble if you make a claim).
  • Maintain a good driving record.
  • Complete a certified driver training program.
Alexandra Bosanac

Alexandra Bosanac

About the Author

Alexandra Bosanac is the Core Content Manager for LowestRates.ca. Her reporting has appeared in Canadian Business, the Toronto Star, the National Post, and the CBC.

Read More

Auto insurance news

Read More Like This