Manitoba Public Insurance filed its General Rate Application with the Public Utilities Board (PUB) today, requesting an overall rate decrease of 10.5 per cent. If approved, this will be the largest rate decrease in three decades.

The average passenger vehicle owner will pay about $130 less in premiums per year. This will be the second year in a row Manitobans have received a rate decrease from its public auto insurer.

In May 2020, MPI customers benefited from a $110 million rebate: $58 million of which is directly attributed to fewer claims during this COVID period and $52 million was through prudent company management from year-end financial results.

This year, MPI is modernizing its products to provide greater customer choice and protection through new coverage levels for Third Party Liability, Maximum Insured Value, and changes to the Basic Autopac deductible. Customers will have the option of reducing their premium by increasing their deductible.

The PUB hearings typically begin in October, concluding later in the month. The board typically issues its order in December.

The proposed rates would be effective April 1, 2021, but because renewal dates are staggered, some vehicle owners won’t pay their new rates until March 31, 2022.

Requested Rate Changes by Class


Major Use Applied for Rate Changes
Private passenger -11.0%
Commercial -4.8%
Public -6.1%
Motorcycles 1.8%
Trailers -11.4%
Off-road vehicles 0%
Overall (applied for) -10.5%