MPI Vehicle Insurance Rate Estimator
Estimate your Manitoba Public Insurance annual premium based on DSR and Territory.
Average Manitoba premiums typically range from $900 to $1,600.
Level 16 or higher (40% Discount)
Level 15 (37% Discount)
Level 14 (34% Discount)
Level 13 (31% Discount)
Level 12 (29% Discount)
Level 11 (27% Discount)
Level 10 (25% Discount)
Level 5 to 9 (20% Discount)
Level 1 to 4 (10% Discount)
Level 0 (Base Rate)
Level -1 to -5 (Surcharge Zone)
Level -6 to -10 (High Surcharge)
Level -11 to -20 (Max Surcharge)
Territory 1 (Winnipeg & Surrounding)
Territory 2 (Rural Areas)
Territory 3 (Northern Manitoba)
Territory 4 (Commuter Towns)
All Purpose (Work/School/Personal)
Pleasure (No Work/School commute)
Farm (Agricultural Use)
Off-Road / Limited Use
Base Premium After Territory/Usage:
$0.00
DSR Discount/Surcharge Amount:
$0.00
Estimated Annual Premium:
$0.00
Estimated Monthly Payment (12 months):
$0.00
How MPI Vehicle Insurance Rates are Calculated
In Manitoba, vehicle insurance is provided through Manitoba Public Insurance (MPI). Unlike other provinces with private insurance markets, MPI uses a standardized rating system based primarily on your Driver Safety Rating (DSR), where you live (Territory), and how you use your vehicle.
Understanding the Driver Safety Rating (DSR) Scale
The DSR scale is the most significant factor in determining your premium. The scale ranges from -20 to +16:
- Positive Levels (+1 to +16): Merit points that earn you significant discounts on your vehicle premium and driver's license fee.
- Level 0: The neutral base rate.
- Negative Levels (-1 to -20): Deactivation points resulting from traffic convictions or at-fault accidents, leading to surcharges.
Rating Territories in Manitoba
MPI divides the province into territories because the risk of an accident or theft varies by location:
| Territory | Region Description | Impact on Rate |
|---|---|---|
| Territory 1 | Winnipeg and the immediate surrounding municipalities. | Highest (Highest traffic density) |
| Territory 2 | Rural Manitoba including smaller cities like Brandon. | Moderate |
| Territory 3 | Northern Manitoba communities. | Lower (Lower traffic density) |
Vehicle Usage Categories
How you use your car changes your risk profile. All Purpose usage allows you to drive to work or school every day. Pleasure usage is more restrictive, usually limiting how many times a month you can drive to work or school, resulting in lower premiums.
Example Calculation
If your base vehicle premium is $1,300, you live in Territory 2 (Rural), and you are at DSR Level 15 (37% discount):
- Adjust for Territory: $1,300 x 0.85 = $1,105
- Apply DSR Discount: $1,105 – (37% of $1,105) = $696.15
- Final Estimated Annual Premium: $696.15
Note: This calculator provides an estimate. Your actual MPI premium will include additional factors like the $500 standard deductible, third-party liability limits, and the $45 basic registration fee.