$750 Standard
$500 Reduced (+$45)
$300 Reduced (+$95)
$200 Reduced (+$140)
$200 Plus (Waives Glass/Theft) (+$180)
function calculateAutopac() {
// 1. Get Inputs
var valueInput = document.getElementById("vehicleValue").value;
var useFactor = parseFloat(document.getElementById("vehicleUse").value);
var territoryFactor = parseFloat(document.getElementById("territory").value);
var dsrScore = parseInt(document.getElementById("dsrRating").value);
var liabilityCost = parseFloat(document.getElementById("liabilityCoverage").value);
var deductibleCost = parseFloat(document.getElementById("deductibleChoice").value);
// 2. Validate Inputs
if (valueInput === "" || isNaN(valueInput) || valueInput < 0) {
alert("Please enter a valid vehicle value.");
return;
}
var vehicleValue = parseFloat(valueInput);
// 3. Logic for Base Premium
// MPI uses complex actuarial tables based on Make/Model/Year (CLEAR codes).
// For this estimator, we use a proxy formula: ~2.5% of vehicle value adjusted by territory.
// This is a heuristic for estimation purposes.
var estimatedBasePremium = (vehicleValue * 0.028);
// Minimum floor for base premium (approx $600)
if (estimatedBasePremium = 15) {
discountPercent = 0.35;
} else if (dsrScore >= 10) {
discountPercent = 0.25;
} else if (dsrScore >= 5) {
discountPercent = 0.15;
} else if (dsrScore >= 1) {
discountPercent = 0.05;
} else if (dsrScore == 0) {
discountPercent = 0;
} else {
// Negative DSR – Driver Premium Surcharge
// This is usually paid on the license, but affects insurance eligibility.
// For this calculator, we apply a surcharge to the premium to represent high risk.
surchargeAmount = Math.abs(dsrScore) * 150; // $150 per negative point approximation
}
var discountAmount = preDiscountPremium * discountPercent;
var premiumAfterDSR = preDiscountPremium – discountAmount + surchargeAmount;
// 5. Add Extension Coverage Costs (Liability + Deductible)
// These are flat fees usually added after base calculation
var finalAnnualPremium = premiumAfterDSR + liabilityCost + deductibleCost;
// Add mandatory Registration Fee (Approx $140 for passenger vehicle)
var registrationFee = 140;
var totalPayable = finalAnnualPremium + registrationFee;
var monthlyPayment = (totalPayable * 1.05) / 12; // 5% interest/admin fee for monthly payments
// 6. Display Results
var resultDiv = document.getElementById("result");
resultDiv.style.display = "block";
var discountHtml = "";
if (discountPercent > 0) {
discountHtml = '
Total Annual Cost:$' + totalPayable.toFixed(2) + '
' +
'
Est. Monthly Payment (financing):$' + monthlyPayment.toFixed(2) + '
' +
'*This is an estimate only. Actual MPI rates depend on specific Make, Model, Year, and CLEAR actuarial data.';
}
Understanding Your Autopac Insurance Rate
Manitoba Public Insurance (MPI) determines your Autopac premiums based on a unique combination of factors related to you, your vehicle, and how you use it. Unlike private insurance markets, MPI operates as a public insurer with regulated rates.
Key Factors Influencing Your Premium
Territory: Where you live and drive matters. Manitoba is divided into four territories. Territory 1 (Winnipeg) typically has the highest rates due to traffic density, while Rural Manitoba (Territory 3) usually sees lower premiums.
Vehicle Usage: A vehicle used for "Pleasure" (infrequent driving, no commuting) costs less to insure than an "All Purpose" vehicle used for daily commuting to work or school.
Driver Safety Rating (DSR): This is the most controllable factor. The DSR scale ranges from -20 to +17. Drivers with a high positive rating (Merits) can receive discounts up to 37% or more on their premiums. Drivers with negative ratings (Demerits) pay surcharges.
Deductibles and Liability
Your Basic Autopac includes a $500 or $750 deductible and $200,000 in third-party liability coverage. Most Manitobans opt for "Extension" coverage to lower their deductible (to $300 or $200) and increase liability coverage to $1 Million, $2 Million, or more to protect against lawsuits arising from severe accidents.
How to Lower Your Rate
The most effective way to lower your Autopac cost is to maintain a safe driving record. Moving up the DSR scale takes time—one point per year of safe driving—but the financial rewards are significant. Additionally, consider if you truly need "All Purpose" insurance if you are no longer commuting to work.