In Manitoba, all mandatory auto insurance is provided through MPI, Manitoba Public Insurance, a non-profit Crown corporation that has run the province's auto insurance program since 1971.
You cannot shop around for basic coverage in Manitoba. Every registered vehicle in the province must carry Autopac, and that coverage comes through MPI regardless of which broker you use.
What does vary is who helps you with it and what optional coverage you add on top.
Good news though, InsureLine is an authorized Autopac broker, which means we handle your registration and renewal, help you understand what your mandatory coverage actually includes, and make sure the optional coverage you build on top of it actually reflects your life.
One thing worth noting: MPI operates as a non-profit. Any surpluses from premiums are reinvested into road safety programs and coverage improvements rather than paid to shareholders. As of April 2024, MPI implemented a rate reduction across the province, which is a direct result of that model. Cool!
Whether you are a new driver working through Manitoba’s graduated licensing program, a teen added to a family policy or someone rebuilding after previous incidents, InsureLine can help you manage the Autopac system and make sure your policy is structured correctly.
Manitoba's no-fault system means that injury coverage applies regardless of who caused the accident, which provides a meaningful safety net for newer drivers still building their experience on the road. Our brokers are here to help you get set up properly and understand your options from the start.
Even in a public insurance province like Manitoba, your coverage is not one-size-fits-all. The basic Autopac covers the mandatory foundation, but the optional coverage you build on top of it should reflect your vehicle, how you drive, and what you can reasonably absorb out-of-pocket if something goes wrong.
A few quick tips for Manitoba drivers:
Understand what your deductible means in practice. The standard $750 deductible is manageable for many drivers, but if a claim would put that amount under financial strain, lowering your deductible through an optional add-on is worth the modest premium increase.
Consider your vehicle's value. If your vehicle is worth more than $70,000, the basic Autopac limit will not fully cover a write-off. Excess value coverage closes that gap.
Review your liability limit. Manitoba's basic $500,000 is a solid starting point, but for drivers who want fuller protection, increasing that limit is straightforward and affordable.
Ask about bundling. If you own a home, combining your optional coverage with a home insurance policy through the same insurer can result in savings on both.
Talk to your InsureLine advisor to make sure your Autopac and optional coverage work together properly, because expert advice makes a difference. We're 100 percent Canadian. We're local. And we've got you covered.
Manitoba's basic $500,000 liability limit is already higher than most provinces, but like all provinces, you’ll want to seriously consider adding more. For drivers who want added protection, you can increase this limit significantly, up to $10 million through MPI options.
The standard basic deductible is $750. Optional coverage lets you reduce that to $500, $300, or $200, which means lower out-of-pocket costs if you need to make a claim.
If your vehicle is worth more than $70,000, this add-on covers the difference between the basic limit and the actual value of your vehicle.
Covers the cost of a rental vehicle while yours is being repaired after a covered claim. Basic Autopac includes limited loss of use protection in certain situations, but the optional add-on provides more comprehensive rental coverage.
Protects against depreciation on newer vehicles, ensuring a write-off is paid out closer to what the vehicle actually costs to replace rather than its depreciated value.
Covers you when driving a rental vehicle in Canada or the United States, so you are not left buying coverage through the rental counter.
MPI's standard Autopac is not always designed for classic cars, motorcycles with specialized needs, or other specialty vehicles. Private insurers can fill those gaps. InsureLine can help you sort out what fits where.
Electric vehicle adoption is happening in Manitoba and MPI's Autopac system covers EVs, but battery replacement, charging equipment, and the specific repair considerations associated with EV technology are worth factoring into your optional coverage decisions.
InsureLine's brokers are up to speed on what Manitoba EV owners need from their policy, so you are not left with gaps in coverage just because your car charges instead of fills up.
Manitoba's mandatory Autopac coverage is built around three core components.
Personal Injury Protection Plan (PIPP): Manitoba operates on a no-fault system, which means that if you are injured in an accident, MPI covers your medical expenses, rehabilitation costs, income replacement, and other related costs regardless of who caused the accident. This applies to drivers, passengers, cyclists, and pedestrians. You can also take legal action against an at-fault driver for damages that go beyond what your accident benefits cover.
All-perils coverage: Covers loss or damage to your vehicle from a wide range of “perils”: collision, theft, fire, vandalism, and hail, subject to a standard deductible. The basic deductible for most vehicles is $750. The maximum insured value for a vehicle under basic Autopac is $70,000. If your vehicle is worth more than that, excess value coverage is available as an add-on.
Third-party liability: Covers you if you are held legally responsible for damage or injuries to others. Manitoba's basic Autopac includes $500,000 in third-party liability coverage, which is higher than most other provinces' mandatory minimums. That said, many drivers choose to increase this limit further for additional peace of mind.
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