Manitoba Autopac Insurance Estimator
Current market value of your vehicle.
All Purpose (Work, School, Pleasure)
Pleasure Only (No driving to work/school)
Commuter (To work/school outside city)
Farm (Farming purposes only)
Territory 1 (Winnipeg Area)
Territory 2 (Commuter Zone > 20km from Wpg)
Territory 3 (Rest of Manitoba)
Territory 4 (Northern Manitoba)
Where the vehicle is garaged and primarily operated.
+17 (Highest Merit)
+16
+15
+14
+13
+12
+11
+10
+9
+8
+7
+6
+5
+4
+3
+2
+1
0 (Base)
-1 (Demerit)
-2
-3
-4
-5
-10
-15
-20
Your position on the DSR scale determines your discount or surcharge.
$750 (Standard)
$500 (Lower Risk)
$300 (Low Risk)
$200 (Lowest Risk)
$200,000 (Minimum)
$1 Million
$2 Million (Recommended)
$5 Million
$7 Million
$10 Million
Estimated Annual Premium
Base Autopac Premium:
DSR Impact (Vehicle):
Deductible & Liability Cost:
Driver License Fee/Surcharge:
Total Annual Cost:
*Note: This is an estimation based on vehicle value and general MPI rate factors. Actual premiums depend on exact make, model, year, and VIN classification.
Understanding Your Manitoba Public Insurance (MPI) Rates
Manitoba operates under a public auto insurance model known as Autopac, administered by Manitoba Public Insurance (MPI). Unlike private insurance markets, rates in Manitoba are determined by specific regulatory factors including where you live, what you drive, and your driving history on the Driver Safety Rating (DSR) scale.
How MPI Calculates Your Autopac Premium
Your annual insurance cost is not a random number. It is a calculated figure derived from four primary pillars:
1. Driver Safety Rating (DSR)
The DSR is arguably the most critical factor under your control. It is a scale typically ranging from -20 to +17 (and higher).
- Merits (+1 to +15): Safe driving earns you merits. The higher your score, the larger the discount on your vehicle premiums. For example, a +15 rating can yield a discount of over 30%.
- Neutral (0): New drivers or those with balanced histories pay the base rate with no discount.
- Demerits (-1 to -20): Traffic convictions and at-fault accidents lower your score. Negative scores result in expensive driver's license surcharges, which can range from hundreds to thousands of dollars annually.
2. Territory Factors
Where you live and drive matters. MPI divides Manitoba into four territories based on traffic density and accident risk:
- Territory 1 (Winnipeg): Highest traffic density, typically resulting in higher premiums.
- Territory 2 (Commuter Zone): Areas surrounding Winnipeg (approx. 20km-100km radius).
- Territory 3 (Rural Manitoba): Areas outside the commuter zone. Often has lower rates due to lower traffic density.
- Territory 4 (Northern Manitoba): Applies to regions north of the 53rd parallel.
3. Vehicle Usage
How you use your car determines your risk level:
- All-Purpose: Covers driving to work, school, and pleasure. This is the most expensive but most flexible coverage.
- Commuter: Allows driving to work or school, but typically restricts you to living outside the city limits of where you work.
- Pleasure: The least expensive option. You cannot drive to work or school; the vehicle is strictly for personal errands and leisure.
4. Vehicle Rate Group
Every vehicle make, model, and year is assigned a rate group based on claim history. Vehicles that are expensive to repair or frequently stolen will have higher base premiums regardless of the driver's history.
Deductibles and Liability Limits
Your Basic Autopac includes a $750 deductible and $200,000 in third-party liability. You can purchase "Extension" coverage to lower your deductible (to $500, $300, or $200) and increase your liability limit (up to $10 million). While these options increase your annual premium, they provide significant financial protection in the event of a serious accident.
How to Use This Calculator
To get an estimate of your annual costs:
- Enter Vehicle Value: Input the approximate market value of your car. This helps estimate the base rate group.
- Select Use & Territory: Choose how you use the car and where you live.
- Set Your DSR: Be honest about your safety rating to see how much you could save or how much a surcharge might cost.
- Adjust Options: Toggle different deductibles and liability limits to see how they impact the final price.
Disclaimer: This tool provides an estimate. Official rates are determined by MPI at an Autopac agent office based on your VIN and official driving record.