$750 Standard
$500 Reduced
$300 Reduced
$200 Reduced
Base Premium:
DSR Adjustment:
Territory & Use Factor:
Estimated Annual:
Estimated Monthly:
Understanding Manitoba Insurance Rates
Auto insurance in Manitoba is primarily provided by Manitoba Public Insurance (MPI), commonly known as Autopac. Unlike private insurance markets, rates in Manitoba are determined by a specific set of public factors, with the Driver Safety Rating (DSR) being the most significant variable under your control.
Key Factors Affecting Your Premium
Driver Safety Rating (DSR): This scale ranges from +17 to -20. A higher positive score indicates a safe driving history and results in significant discounts (up to 40% off base premiums). Negative scores result in surcharges. Moving up the scale requires a year of driving with no at-fault accidents or traffic convictions.
Territory: Where you live matters. Territory 1 (Winnipeg) generally has higher rates due to traffic density compared to Territory 3 (Rural Manitoba). Territory 2 covers the commuter zone surrounding Winnipeg.
Vehicle Use: "All Purpose" insurance covers driving to work, school, and leisure. If you use your vehicle solely for pleasure (no commuting), you may qualify for lower rates. Farm vehicles also enjoy reduced premiums.
Vehicle Value & Type: The make, model, and year of your vehicle determine its base risk rating. Expensive vehicles with high repair costs generally have higher base premiums.
How the Calculation Works
This calculator estimates your premium by starting with a base rate derived from your vehicle's value. It then applies multipliers for your chosen territory and vehicle use. Finally, it applies the crucial DSR discount or surcharge.
Note: This tool provides an estimate for planning purposes. Official rates are set by the Public Utilities Board and can only be confirmed by an Autopac agent.
Tips for Lowering Your Rate
Improve your DSR: Drive safely. Every year of safe driving moves you up the scale, increasing your discount.
Choose a Higher Deductible: Raising your deductible from $500 to $750 can lower your annual premium, though you pay more out-of-pocket in the event of a claim.
Review Vehicle Use: If you no longer commute to work, switch your coverage to "Pleasure" to save money.
function calculateInsurance() {
// 1. Get Inputs
var vehicleValue = parseFloat(document.getElementById('vehicleValue').value);
var dsrScore = parseInt(document.getElementById('dsrScore').value);
var territory = document.getElementById('territory').value;
var use = document.getElementById('vehicleUse').value;
var liability = parseInt(document.getElementById('liability').value);
var deductible = parseInt(document.getElementById('deductible').value);
// 2. Validation
if (isNaN(vehicleValue) || vehicleValue < 0) {
alert("Please enter a valid vehicle value.");
return;
}
if (isNaN(dsrScore)) {
dsrScore = 0; // Default to neutral if empty
}
// 3. Logic Implementation
// Step A: Determine Base Rate
// Heuristic: Auto insurance is roughly 5-7% of vehicle value for standard risk,
// adjusted for Manitoba's public system which flattens costs slightly.
// We use a curve: lower value cars pay higher % relative to value, high value cars pay lower %.
var basePremium = 0;
if (vehicleValue < 5000) {
basePremium = 800 + (vehicleValue * 0.05);
} else if (vehicleValue = 15) { dsrFactor = 0.63; dsrText = "-37% (Max Discount)"; }
else if (dsrScore >= 10) { dsrFactor = 0.70; dsrText = "-30%"; }
else if (dsrScore >= 5) { dsrFactor = 0.80; dsrText = "-20%"; }
else if (dsrScore >= 1) { dsrFactor = 0.90; dsrText = "-10%"; }
else if (dsrScore === 0) { dsrFactor = 1.00; dsrText = "Base Rate"; }
else if (dsrScore >= -5) { dsrFactor = 1.30; dsrText = "+30% Surcharge"; }
else if (dsrScore >= -10) { dsrFactor = 1.80; dsrText = "+80% Surcharge"; }
else { dsrFactor = 2.50; dsrText = "+150% Surcharge"; } // High risk
// Step E: Liability and Deductible Add-ons
var liabilityCost = 0;
if (liability === 1000000) liabilityCost = 28;
if (liability === 2000000) liabilityCost = 45;
if (liability === 5000000) liabilityCost = 85;
var deductibleCost = 0;
if (deductible === 500) deductibleCost = 40;
if (deductible === 300) deductibleCost = 85;
if (deductible === 200) deductibleCost = 120;
if (deductible === 750) deductibleCost = -20; // Slight discount for standard higher deductible
// 4. Final Calculation
// Formula: (Base * Territory * Use * DSR) + Add-ons
var adjustedBase = basePremium * territoryFactor * useFactor;
var finalPremium = (adjustedBase * dsrFactor) + liabilityCost + deductibleCost;
var monthlyPremium = finalPremium / 12;
// 5. Display Results
document.getElementById('displayBase').innerHTML = "$" + adjustedBase.toFixed(2);
document.getElementById('displayDSR').innerHTML = dsrText;
document.getElementById('displayFactors').innerHTML = "Region: " + territoryFactor + "x, Use: " + useFactor + "x";
document.getElementById('displayTotal').innerHTML = "$" + finalPremium.toFixed(2);
document.getElementById('displayMonthly').innerHTML = "$" + monthlyPremium.toFixed(2);
document.getElementById('resultOutput').style.display = "block";
}