Compare auto insurance across 7 Manitoba cities. Provincial average: CA$115/month (CA$1,381/year). Insurance system: public (MPI) + private extension. Regulator: MPI / PUB.
Manitoba operates a public (MPI) + private extension insurance system regulated by MPI / PUB. All drivers must carry minimum Third-Party Liability of CA$200,000. The mandatory coverage package includes Personal Injury Protection Plan (PIPP), All Perils Extension, and Specified Perils/Comprehensive Extension.
MPI's 2026 rate schedule was approved by the PUB with modest adjustments. The provincial government has signalled continued commitment to the public insurer model through the current mandate. Drivers seeking savings should focus on extension coverage — the optional layer where private-insurer comparison can yield meaningful savings.
| Coverage | Description |
|---|---|
| Third-Party Liability | Minimum CA$200,000 required; pays compensation to others for injury or property damage |
| Personal Injury Protection Plan (PIPP) | Manitoba's no-fault accident benefit plan providing medical, rehabilitation, and income replacement for all injury victims |
| All Perils Extension | Optional MPI extension covering collision and comprehensive damage to your own vehicle |
| Specified Perils/Comprehensive Extension | Optional protection for theft, fire, weather events, and non-collision damage through MPI or approved private insurers |
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