Updated: March 5, 2022
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Whether you’re a new driver yourself or you’re raising one at home, this is the essential car insurance information you can’t afford NOT to know. This is the only resource you’ll need to understand exactly how car insurance works for new drivers in Manitoba.
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:
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.
The biggest thing new drivers need to know is that you NEED to have insurance when you’re on the road. You cannot drive without insurance, no matter who is in the vehicle with you. It’s also important for you to know that setting up insurance for the first time can take a while, so be sure to plan ahead.
When it comes to the type of insurance to buy as a young adult, it can be hard to know where to start. Buying insurance young can give you all kinds of advantages, so it’s something we always recommend. If you’re not sure what insurance solutions exist or where to start, don’t worry, we’ve got your back!
Check out our free Guide To Insurance For Manitobans in their 20s and 30s for quick, go-to insurance information that will fill you in on everything you need to know to get started today.
If you’re raising a new driver, our biggest advice is not to skimp on getting the right protection! New drivers have a lot to pay attention to, and for them, driving can be overwhelming. This can lead to more fender benders, dents, bumps, and even accidents. Take the time to get your new driver ALL the right protection they need, and learn as much as you can about additional coverage options, like Vehicle Replacement Insurance, that can be added-on to base policies and protect even more of the unexpected.
Let’s make sure you have all the info you need.
Auto insurance in Manitoba is different from auto insurance in other provinces and countries. Some provinces and countries offer private insurance options, whereas in Manitoba, everything is governed by Manitoba Public Insurance (MPI). That doesn’t mean you don’t have choices, though! There are a variety of options through MPI, some of which can prove very useful for drivers who are new to Manitoba roads! For example, if you’re not used to living where roads are slippery in the winter, you may want to look into MPI’s Winter Tire Program! If you’re not sure what coverage you require, speak with a licensed Insurance Consultant who can walk you through your options.
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:
If you don’t yet have insurance, you must purchase a temporary permit either through the car dealer where you made the purchase, or with an autopac agent. (Come see us and we’ll get you sorted!)
To get insurance coverage in Manitoba, all you need to do is speak with a licensed insurance broker. And if you’re in Winnipeg, we’d love to be the ones to help! Visit us in person or request a free online quote to get your car insurance underway today.
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.
Auto insurance pricing varies from person to person. Premiums depend on:
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.
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: