Car Insurance – Manitoba

Your vehicle is an extension of your life. It lets you get to where you want to go when you want to go there and is much more than just an investment. However, choosing the right auto insurance coverage can be tough. Let one of our Autopac specialists walk you through your options and help you choose the coverage best suited for you to make sure you’re protected out on the open road.

In Manitoba, there are mandatory coverages through MPI. Did you know that you have options above and beyond that to enhance your overall coverage while out on the road? We’ve taken the guess work out of auto insurance in Manitoba and have outlined the coverages available to you. Of course, if you’d like to chat with one of our auto insurance experts, we’re here for you. Connect with us today.

MPI Autopac Renewal

Manitoba Public Insurance Autopac

Autopac is the mandatory coverage for all vehicles in Manitoba provided through Manitoba Public Insurance.

Autopac includes financial protection for the following:

  • loss or damage of your vehicle from insured events such as collision, upset, vandalism, theft, hail and fire.
  • Limited $500,000 third party liability coverage (which is not sufficient in many circumstances).
  • Personal Injury Protection Plan (PIPP) which provides every Manitoban with benefits in the event of injury or death, regardless of who was at fault in an accident.

A basic policy will encompass mandatory coverages. We recommend increasing coverages with the optional limits to better your coverage while out on the road.

To read more about basic auto insurance through MPI, click here

Optional Auto Insurance

In addition to this basic, mandatory coverage, there are many extended and optional coverages that you can select from, depending on your personal situation. We always recommend that you explore options when it comes to enhancing your car insurance coverage. From lowering your deductible, increasing liability and getting enhanced wage protection coverage, you can build out the car insurance policy that reflects you and the use of your vehicle. To read more about optional auto insurance through MPI, click here.

There are also many extension and optional coverages are available from private insurance companies that we work with as well. You’ll need to register your vehicle with MPI, but you have the option to add on an auto policy from another insurance company to enhance your coverage. A benefit to auto extension policies through alternate insurance companies is that you may have optional coverage not available to you through the MPI product. To learn more about extension auto policies, click here.


Optiom is a vehicle replacement program that helps your insurance on your new or used vehicle keep pace with the true cost of replacement. Optiom’s vehicle replacement can be looked at as an enhancement to your current comprehensive coverage through your primary insurer. Optiom provides up to seven years of coverage on new vehicles and up to five years of coverage for used vehicles. To learn more about Optiom auto insurance, click here.

Review Your Insurance and Get a Quote with Westland

Ready to discuss your insurance needs? Our expert advisors are here to review your current insurance policies, discuss your unique needs, and find the perfect auto insurance policy for you. Whether it’s over email, the phone or in person we are ready to help! To get started on a quote now and see price estimates for your auto coverage, click the button below. Our advisors will contact you right away and help navigate your risk management needs. Of course, we are always available to talk over the phone or in person.

Check out our locations page to connect with an office closest to you!

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