Manitoba Autopac Premium Estimator
Estimate your annual MPI insurance based on your Driver Safety Rating (DSR) and vehicle details.
Estimated Annual Premium
*Disclaimer: This is an unofficial estimate. Actual rates are determined by Manitoba Public Insurance (MPI) based on precise vehicle classification and historical data.
Understanding Your Autopac Premium
In Manitoba, basic auto insurance is mandatory and provided exclusively through Manitoba Public Insurance (MPI). Your Autopac premium is calculated using several factors unique to the province's public insurance model.
1. Driver Safety Rating (DSR)
The DSR is a scale that rewards safe driving. For every year of claim-free driving, you move up the scale. As of recent updates, Level 15 provides a 37% discount on your vehicle premium. Conversely, demerits (negative levels) result in additional premiums and higher driver's license fees.
2. Rating Territories
MPI divides Manitoba into rating territories. Winnipeg (Territory 1) typically carries the highest rates due to higher traffic density and theft rates. Commuter zones and rural areas generally enjoy lower base premiums because the statistical risk of collision is lower.
3. Vehicle Use
- All-Purpose: Used for commuting to work or school.
- Pleasure: Used for personal tasks, but not for regular commuting.
- Farm: Significant discounts for vehicles primarily used for agricultural operations.
4. Coverage Extensions
While Basic Autopac includes $200,000 in Third Party Liability and a $750 deductible, most Manitobans choose to "top up." Reducing your deductible to $500, $300, or $200 increases the annual cost but significantly reduces out-of-pocket expenses during a claim.
Example Calculation
If you own a sedan valued at $30,000 in Winnipeg (Territory 1) used for All-Purpose driving, and you are at DSR Level 15:
- Base Rate Estimate: $1,400
- DSR Discount (37%): -$518
- Subtotal: $882
- Add $200 Deductible & $2M Liability: ~$295
- Final Estimated Annual Cost: $1,177