What New Manitoba Drivers Need to Know About Car Insurance

August 21, 2020


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Whether you’re a new driver yourself or you’re raising one at home, you’ll want to take a few minutes to sort out your new auto insurance needs.

Worried that it’ll be a complicated process? Don’t be! We’ve made it simple by pulling all the key information you need into this easy-to-reference post that outlines exactly how car insurance works for new drivers in Manitoba.


Still have questions after reading through? Send us an email. We’ll be happy to help!

How Car Insurance Works: A Guide for New Drivers

Car insurance is made up of two things: your premium and your deductible. It gives you third-party liability coverage in the event that you’re at-fault for an accident, so you don’t have to foot the (expensive) bill.

Your rate is the amount you pay in order to keep yourself insured. To figure out this cost, you’ll want an Insurance Consultant to help you decide how much coverage you need. Then, you’ll pick on a payment plan. There are three options with Manitoba Public Insurance:

  1. Annual full payments
  2. Quarterly pre-authorized payments
  3. Monthly pre-authorized payments


Your deductible is the amount you pay if you are responsible for an accident. If you get in an accident and it’s your fault, you’ll pay your deductible, and then your auto insurance will kick in.

Auto insurance always includes third-party liability coverage. This type of insurance covers any damages made to other vehicles or property in Manitoba.

Basic, mandatory coverage for most passenger vehicles includes a $500 deductible and $200,000 worth of third-party liability insurance.

Auto Insurance is Mandatory in Manitoba

Basic car insurance is required for all Manitoba drivers, but some parts of your policy are optional. If you’re looking for more or different coverage, you can choose:

  • Lower deductibles;
  • Increased third-party liability insurance;
  • Added auto loss-of-use coverage; and/or
  • An increased maximum value for your vehicle.

Can I drive a new car without insurance?

Yes, but you must purchase a temporary permit either through the car dealer where you made the purchase, or with an autopac agent. (Feel free to come see us for help!)

How can a new driver go about getting car insurance?

To get insurance coverage in Manitoba, consult an insurance broker (might we suggest Winnipeg Insurance Brokers Ltd?).

Car Insurance Considerations

All new drivers will need new auto insurance, but it’s not a one-size-fits-all situation. There are a few things you’ll want to consider.

  1. The deductible can you afford in the event of an at-fault claim. Deductibles can vary from policy to policy. It’s worth considering what you can afford to pay in the event of an accident. Just note that a lower deductible may make your premium payments go up.
  2. How you use your vehicle. There are many different types of coverage available depending on what you use your vehicle for.
  3. Traveling outside of Manitoba. Travel can affect the insurance you need, so be sure to mention any regular or one-time travel plans to your Insurance Consultant.
  4. Your monthly budget for insurance premiums. Determine what you can afford to pay for insurance each month.
  5. Different policy types. Auto Insurance policies vary depending on the use of your vehicle.
    • All Purpose Usage policies are perfect for drivers who use their vehicles every day (driving to work or school).
    • Pleasure Use Policies cover every day vehicle use outside of your commute.

Car Insurance Premiums & Costs for New Drivers

Auto insurance pricing varies from person to person. Premiums depend on:

  • Where you live (urban or rural);
  • How you use your vehicle (work, recreation, etc.);
  • The kind of vehicle you own (make, model, year); and
  • The registered owner’s driving record.

What are some things that will make my auto insurance premium go up?

  • Living in the city
  • Living in rural Manitoba and commuting to the city for work or school (you’ll pay a commuter rate)
  • Owning a higher value car (like a nice sports car)
  • Having more at-fault claims and traffic convictions on your record

What are some things that will make my auto insurance premium start to go down?

  • Using your car for pleasure only (very rare commuting)
  • Purchasing a less ‘flashy’ vehicle
  • Going 2 years without an at-fault claim (you’ll get a driver safety rating discount!)

Are there any reasons why I might want to increase my limits?

Yes. Standard car insurance gives you $200k of third-party liability coverage. If you travel outside Manitoba (even if only for one-day or weekend trips), that might not be enough, so extra coverage is a great idea. Optional, additional Autopac coverage can increase your third-party liability protection to $1 million, $2 million, $5 million, $7 million or $10 million.

What can I do to lower my insurance premium as a new driver?

We often get asked if there’s anything a new driver can do to lower their premiums. The answer is yes, but it won’t have an immediate impact on the rates you pay. It takes time to see results from the changes you make.

That said, insurance does tend to go down for new drivers as they continue to:

  • Be safe behind the wheel
  • Avoid getting in accidents and incidents (traffic convictions and at-fault claims)
  • Periodically review their insurance coverage with an Insurance Consultant

Need help figuring out new driver insurance?

We’re here for you. Contact us and we’ll get you on the road safely in no time!