What is Autopac car insurance worth? 2025 review
Our expert's review on Autopac
Autopac, as Manitoba's public car insurance, presents a unique and compelling model built around universal access and security. Its structure is clear: a mandatory Basic Autopac plan provides all-perils physical damage, third-party liability, and extensive injury protection, which can be enhanced with a suite of optional coverages. Reimbursement ceilings under the basic plan are set at $500,000 for liability and $70,000 for vehicle value, with a standard $750 deductible, while the Driver Safety Rating program acts as a powerful prevention tool, rewarding safe drivers with discounts up to 48%.
Against private Canadian insurers, Autopac positions itself as a not-for-profit alternative, generally delivering lower premiums and more comprehensive no-fault injury protection.
This makes Autopac particularly suitable for nearly all Manitobans, especially those seeking affordable premiums, drivers who prioritize extensive personal injury coverage, and excellent drivers who benefit from the robust safety rating system.
As a product of Manitoba Public Insurance (MPI), a government corporation, Autopac's reliability is rooted in its public mandate and regulated structure, ensuring stable and consistent service for all provincial motorists.
- ✅Generally lower premiums than private insurers
- ✅Comprehensive Personal Injury Protection Plan (PIPP)
- ✅Standard all-perils physical damage coverage
- ✅Driver Safety Rating discounts up to 48%
- ✅Optional liability limits up to $10 million
- ✅Coverage throughout Canada and the U.S.
- ✅Public, not-for-profit insurer model
- ❌Low basic third-party liability limit ($500,000)
- ❌Basic vehicle value limit of $70,000
- ❌Exclusion of personal items inside the vehicle
- ❌Basic loss of use coverage for theft only
- ❌Fewer specialty options than some private insurers
Score- ✅Generally lower premiums than private insurers
- ✅Comprehensive Personal Injury Protection Plan (PIPP)
- ✅Standard all-perils physical damage coverage
- ✅Driver Safety Rating discounts up to 48%
- ✅Optional liability limits up to $10 million
- ✅Coverage throughout Canada and the U.S.
- ✅Public, not-for-profit insurer model
Our expert's review on Autopac
- ✅Generally lower premiums than private insurers
- ✅Comprehensive Personal Injury Protection Plan (PIPP)
- ✅Standard all-perils physical damage coverage
- ✅Driver Safety Rating discounts up to 48%
- ✅Optional liability limits up to $10 million
- ✅Coverage throughout Canada and the U.S.
- ✅Public, not-for-profit insurer model
- ❌Low basic third-party liability limit ($500,000)
- ❌Basic vehicle value limit of $70,000
- ❌Exclusion of personal items inside the vehicle
- ❌Basic loss of use coverage for theft only
- ❌Fewer specialty options than some private insurers
Score- ✅Generally lower premiums than private insurers
- ✅Comprehensive Personal Injury Protection Plan (PIPP)
- ✅Standard all-perils physical damage coverage
- ✅Driver Safety Rating discounts up to 48%
- ✅Optional liability limits up to $10 million
- ✅Coverage throughout Canada and the U.S.
- ✅Public, not-for-profit insurer model
Against private Canadian insurers, Autopac positions itself as a not-for-profit alternative, generally delivering lower premiums and more comprehensive no-fault injury protection.
This makes Autopac particularly suitable for nearly all Manitobans, especially those seeking affordable premiums, drivers who prioritize extensive personal injury coverage, and excellent drivers who benefit from the robust safety rating system.
As a product of Manitoba Public Insurance (MPI), a government corporation, Autopac's reliability is rooted in its public mandate and regulated structure, ensuring stable and consistent service for all provincial motorists.
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Autopac car insurance guarantees
Autopac from Manitoba Public Insurance provides mandatory Basic All-Perils coverage, including collision, theft, vandalism, fire, hail, and liability up to $500,000, with personal injury protection through the PIPP program offering robust no-fault medical, income replacement, and rehabilitation benefits.
Optional Autopac extensions allow for decreased deductibles, increased liability (up to $10 million), excess value for vehicles >$70,000, lay-up coverage, enhanced loss of use, rental vehicle coverage, and new vehicle depreciation protection.
The standard deductible is $750 for most passenger vehicles (lower for trailers), and loss of use for theft activates after 72 hours, with rental benefit limits. All policies are regulated with standardized, competitive premiums and discounts via the Driver Safety Rating system, reinforcing Affordability and simplicity compared to private insurers.
Key contract advantages are public, not-for-profit status and broader injury coverage, but limitations include default lower liability limits, modest replacement value structure, and some restrictions on accessory, personal item, and business use coverage.
| Warranty name | Autopac (Base + Optional Extensions) |
|---|---|
| Formula positioning | Mandatory all-perils + à la carte options in Manitoba |
| Type of cover | Collision, fire, theft, vandalism, natural events, third-party liability |
| Reimbursement rate (% of damages covered) | 100% minus deductible and depreciation |
| Annual reimbursement ceiling (maximum amount reimbursed per year) | $70,000 for vehicle (higher with Excess Value Extension) |
| Policy excess (per claim and/or annually) | $750 standard, reduced to $500/$300/$200 optional |
| Waiting period (before certain guarantees take effect) | 72 hours for loss of use on theft claims |
| Minimum/maximum age for subscription | NC |
| Prior risk assessment (medical questionnaire, telematics, driving history) | Driver Safety Rating scale; history impacts price |
| Payment facilities (monthly, quarterly, annual payments) | Annual, four-payment, or monthly pre-authorized |
| Advance payment of claim-related costs | MPI pays shops directly or reimburses client |
| Compensation at purchase value/agreed value/replacement value | Actual cash value (market), new vehicle protection optional (2 years) |
| Third-party liability (bodily injury and property damage to others) | ✅ $500,000 basic; up to $10 million optional |
| Own vehicle damage (collision, regardless of fault) | ✅ Covered under all-perils (minus deductible) |
| Theft of vehicle (partial or total) | ✅ Covered under all-perils (minus deductible) |
| Fire (accidental or criminal) | ✅ Covered under all-perils (minus deductible) |
| Broken glass (windscreen, windows, sunroof) | ✅ Covered (full or partial deductible depending on plan) |
| Natural disasters (hail, flood, storm, etc.) | ✅ Covered under all-perils (minus deductible) |
| Acts of vandalism | ✅ Covered under all-perils (minus deductible) |
| All-risks damage (accidents of any cause, including at-fault) | ✅ Covered under all-perils (minus deductible) |
| Driver personal injury cover (death, disability, medical expenses) | ✅ No-fault via PIPP; up to regulated limits |
| Passenger injury cover | ✅ No-fault via PIPP |
| Criminal defence and recourse (basic legal aid after an accident) | NC |
| Extended legal protection (for disputes beyond accidents, e.g. purchase, repairs) | NC |
| Vehicle accessories and modifications (including electric vehicle batteries and cables) | Factory-installed only; non-factory limit $1,000 |
| Personal belongings inside the vehicle (excluding cash and documents) | ❌ Not covered |
| Child equipment (seats, pushchairs) | ❌ Not covered unless factory-installed |
| Replacement vehicle (during repairs or after total loss) | Basic: up to $56/day on theft (max $1,680); Enhanced Loss of Use optional |
| Towing and roadside assistance (including out-of-charge recovery for EVs) | ✅ Towing arranged if vehicle undriveable |
| Use abroad (compliance with minimum local cover; optional full cover abroad) | ✅ Canada/US only; not valid elsewhere |
| Vehicle use for professional/business purposes (where applicable) | ❌ Not covered unless declared and rated |
| Driving other vehicles (third-party only or comprehensive, depending on the insurer) | Optional rental extension |
| Trailer or caravan towing cover | ✅ Trailers covered (deductible $225 or $750 based on value) |
*Lay-Up coverage available for vehicles in storage. Enhanced income, loss of use, rental, and excess value require separate purchase. Discounts up to 48% via Driver Safety Rating.*
Good to know
Online claim filing, agent network, MPI mobile app for payment reminders, and regulated pricing ensure convenience and standardized service for all insureds.
Car insurance exclusions
Autopac systematically excludes the contents of the insured vehicle, including personal items, tools, or non-permanently installed equipment, which differs from some private insurers offering optional personal effects coverage.
Losses resulting from mechanical or electrical failure, rust, wear, or corrosion are not covered unless caused by an insured peril, placing it in line with strict technical exclusions common across the public sector. Theft committed by household members or employees with access to the vehicle is also not covered—a notable restriction.
Exclusion applies to claimants driving unlicensed, under suspension, or while impaired, with claims stemming from racing, illegal activities, or business use on a pleasure-use policy also denied. Unique to Autopac is the capped coverage on non-factory electronic equipment and the explicit exclusion of nuclear hazard, war, or terrorism, reinforcing its conservative stance on non-accidental risks.
| Exclusions | Details |
|---|---|
| Exclusions linked to the use of the vehicle |
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| Exclusions linked to the driver |
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| Technical exclusions |
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| Geographical exclusions |
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| Contractual exclusions |
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| Third-party liability exclusions |
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| PIPP (injury) exclusions |
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- Use not matching declared purpose (e.g., business use on pleasure policy)
- Racing, speed tests, fleeing police
- Use for illegal or criminal activity
- Unlicensed drivers, suspended licences
- Underage drivers not following permit rules
- Impaired/drugged driving
- Failure to identify driver at time of loss
- Mechanical failure, breakdown, rust, corrosion, freezing (unless due to insured peril)
- Damage to tires (except from collision, fire, theft, vandalism)
- Non-factory electronic equipment over $1,000
- Not covered outside Canada or the U.S.
- Nuclear hazard, war, terrorism
- Theft by household member or employee
- Contents of vehicle (tools, clothing, cameras, etc.)
- Slide-in camper units with living accommodations
- Voluntary parting with vehicle
- Disputes related to sales contract/lease
- Damage to owned/controlled property
- Workers' compensation claims
- Use of attached machinery at worksite
- Semi-trailer not attached
- Unsanctioned events or closed tracks
- Injuries during vehicle maintenance or repair
- Animal-related injuries (unless collision)
- Off-road vehicles (unless collision with registered vehicle)
- Unsanctioned events
- Deliberate actions/self-harm
The Cost of Autopac Car Insurance
Autopac is considered highly competitive in the Canadian market, especially for basic mandatory coverage, due to its public, not-for-profit structure and regulated pricing which often result in lower premiums and more comprehensive personal injury protection than many private insurers.
Coverage is robust for core risks, with broad all-perils protection and above-average benefits for injury, yet its default deductible is somewhat higher than standard private offerings unless reduced by optional extensions.
However, optional enhancements like decreased deductibles or increased third-party liability will increase costs and can place it closer to or slightly above some direct competitors for more extensive coverage layers.
Autopac’s service model remains primarily branch and agent-based, which can make it less agile than digital-first insurers but contributes to accessible in-person support province-wide.
The main gaps relative to private competitors are a limited menu of optional products and the absence of frequent promotional discounts, positioning Autopac as economical with strong fundamentals, but less customizable for niche or luxury needs.
| Basic Autopac | Reduced Deductible Extension | Increased Liability Extension | |
|---|---|---|---|
| Young driver (18-24 years old, compact vehicle) | $120/month | $134/month | $127/month |
| Standard driver (35-45 years, intermediate vehicle) | $84/month | $95/month | $89/month |
| Senior driver (60-70 years, city car) | $65/month | $73/month | $69/month |
| Driver with an at-fault claim within 3 years | $155/month | $169/month | $163/month |
| New SUV driver | $101/month | $115/month | $108/month |
| Driver with more than 25,000km/year | $132/month | $146/month | $138/month |
Start by comparing quotes to make sure you get the best rate available for your needs:
Compare the best car insurance plans for free!Start comparingAutopac Car Insurance Discount Codes
| Promotional codes Autopac | Details |
|---|---|
| HelloSafe | -5% on your quote |
Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.
Autopac reimbursement
| Name of claim or service | Average price (CA$) | Basic Autopac (Standard deductible: $750) | Optional Loss of Use/Limited Deductible Extensions |
|---|---|---|---|
| Replacement vehicle after theft | $35/day for rental, up to $1,680 | Up to $56/day (max $1,680), 72-hour wait Out-of-pocket: cost above $56/day or after $1,680 (excluding deductible) | Up to $56/day (max $1,680), for broader loss scenarios Out-of-pocket: over $56/day or after max (excluding deductible) |
| Repair after at-fault collision | $4,000 (moderate repair) | Covered up to $70,000 (excluding deductible) Out-of-pocket: $750 (standard deductible), plus any non-insured parts or depreciation | Covered up to $70,000 (excluding chosen lower deductible, e.g. $200) Out-of-pocket: lower deductible amount, possibly less than $200 (excluding depreciation) |
| Windshield replacement | $400–$700 | Covered, subject to $750 deductible Out-of-pocket: $400–$700 if below deductible amount | Covered, $0 deductible for glass with $200 Plus option Out-of-pocket: $0 |
| Sound equipment theft (non-factory) | $1,200 | Up to $1,000 (excluding deductible and depreciation) Out-of-pocket: amount above $1,000 plus deductible and depreciation | Up to $1,000 (excluding deductible and depreciation) Out-of-pocket: as per Basic |
| Towing after an accident | $150–$300 | Covered if undriveable, no specified max Out-of-pocket: $0 (excluding deductible for related claim) | Covered if undriveable Out-of-pocket: $0 (excluding deductible for related claim) |
Out-of-pocket: cost above $56/day or after $1,680 (excluding deductible)
Out-of-pocket: over $56/day or after max (excluding deductible)
Out-of-pocket: $750 (standard deductible), plus any non-insured parts or depreciation
Out-of-pocket: lower deductible amount, possibly less than $200 (excluding depreciation)
Out-of-pocket: $400–$700 if below deductible amount
Out-of-pocket: $0
Out-of-pocket: amount above $1,000 plus deductible and depreciation
Out-of-pocket: as per Basic
Out-of-pocket: $0 (excluding deductible for related claim)
Out-of-pocket: $0 (excluding deductible for related claim)
Autopac Car Insurance Assistance
Autopac distinguishes itself by providing arranged towing if your insured vehicle is undriveable after a covered event, a highly practical feature for policyholders across Manitoba.
However, traditional roadside breakdown assistance for mechanical or electrical failures is not included in the basic policy, potentially leaving drivers without support for non-accident breakdowns.
Loss of use benefits for a replacement vehicle are available after vehicle theft with basic coverage and can be enhanced by optional extensions for other covered losses, significantly improving claimants' mobility during repairs.
The lack of covered emergency accommodation or alternative transport in the base policy is a limitation for those stranded far from home. Assistance abroad, legal assistance, electric vehicle-specific services, and support for animals on board are not communicated or available in the published documentation.
| Support Autopac | Availability | Details |
|---|---|---|
| 24/7 roadside breakdown assistance | ❌ | Not included in standard coverage. Breakdown due to non-accident causes is not covered. |
| Towing to repair facility / Extended towing | ✅ | Towing arranged by MPI if the insured vehicle is undriveable after a covered accident. Part of claims process. |
| Assistance from home (0 km) | ❌ | No coverage if immobilized at home due to a non-accident breakdown. |
| Replacement vehicle | ✅ | Loss of use benefit for theft (basic), or for all covered perils with optional extension. Rental or transportation costs reimbursed to policy limits. |
| Alternative transport or accommodation | ❌ | Not included in basic coverage. No reimbursement for accommodation if stranded. |
| Vehicle repatriation | ❌ | Not communicated in policy documentation. |
| Assistance abroad | ❌ | Not communicated. Coverage valid in US for perils, but no breakdown/towing support outside Canada/US specified. |
| Assistance for electric vehicles | ❌ | Not communicated. No specific services for EVs (e.g., out-of-charge recovery) are referenced. |
| Battery assistance & fuel misfuelling | ❌ | Not included. No mention of battery jumpstart or fuel errors. |
| Legal assistance after an accident | ❌ | Not communicated. Legal expense coverage is not included or listed as optional. |
| Assistance for animals on board | ❌ | Not communicated in available documentation. |
| Key recovery & lock replacement | ❌ | Not communicated. No reference to lost/stolen key help in policy or optional modules. |
Breakdown due to non-accident causes is not covered.
Part of claims process.
Rental or transportation costs reimbursed to policy limits.
No reimbursement for accommodation if stranded.
Coverage valid in US for perils, but no breakdown/towing support outside Canada/US specified.
No specific services for EVs (e.g., out-of-charge recovery) are referenced.
No mention of battery jumpstart or fuel errors.
Legal expense coverage is not included or listed as optional.
No reference to lost/stolen key help in policy or optional modules.
Customer feedback on Autopac car insurance
- ✅ The affordability of premiums, especially compared to private insurers, is consistently appreciated by Autopac customers.
- ✅ Many policyholders find the claims process for straightforward incidents to be simple and easy to follow.
- ✅ The all-in-one mandatory package and broad personal injury protection are valued for peace of mind.
- ✅ The ability to visit local Autopac agents in person for questions, changes, or claims is seen as very convenient.
- ❌ Some customers comment on slow claims processing times, particularly for complex or high-value cases.
- ❌ There are repeated mentions of a lack of flexibility in coverage options and deductibles compared to private insurers.
- ❌ Communication delays or perceived lack of transparency during claims and policy updates are mentioned by several clients.
- ❌ A number of users feel the standard deductible is high and wish for lower-cost options by default.
How to contact Autopac?
| Customer service Autopac | Contact information |
|---|---|
| To obtain a quote or take out a policy online | You can use the HelloSafe car insurance comparison tool, choose the option that suits you best and click to obtain a quote. For direct MPI quotes, visit an Autopac agent or use the MPI Rate Calculator at https://apps.mpi.mb.ca/Irc/intro_2.asp?lang=0. |
| To report a claim | Call 204-985-7000 (Winnipeg) or 1-800-665-2410 (toll-free). You can also submit claims online at https://apps.mpi.mb.ca/cx/claim-form/form.html?lang=en or visit an Autopac agent. Claims require vehicle details, accident info, and may require an estimate before repairs. |
| To request and track a refund | Contact an Autopac agent, call 204-985-7000 or 1-800-665-2410, or visit a Service Centre. Send supporting documents (reason for refund, proof of cancellation, payment receipts). Refunds are paid by cheque or direct deposit, usually within a few weeks. |
| To obtain an insurance certificate | Visit any Autopac agent, call 204-985-7000 or 1-800-665-2410, or email mpi@mpi.mb.ca. Provide your policy and vehicle details. Insurance certificates can be collected in person or sent by mail/email. |
| To contact assistance | For towing or emergency claims, call 204-985-7000 (Winnipeg) or 1-800-665-2410 (toll-free), available 24/7. For inquiries, email mpi@mpi.mb.ca. Appropriate assistance or coordination is arranged according to your policy coverage. |
| To cancel my contract | Visit an Autopac agent in person or, if outside Manitoba, mail a signed cancellation request to Box 6300, Winnipeg MB R3C 4A4, or email mpi@mpi.mb.ca. Include your policy number and, if applicable, proof of new registration. Immediate cancellation. Refunds processed after confirmation. |
FAQ
Do I have to pay in advance for repairs or assistance with Autopac?
If you use a repair shop participating in Manitoba Public Insurance’s Direct Repair Program, Autopac pays the shop directly and you only pay your deductible or any non-covered costs. For towing, arrangement and payment are usually handled by MPI if your vehicle is undriveable after a covered loss. Always confirm with your adjuster before proceeding with any repairs or services.
How do I cancel my car insurance contract with Autopac?
To cancel Autopac, visit an Autopac agent in person or send a signed cancellation request (and, if moving, proof of new registration) to Manitoba Public Insurance; cancellation is immediate, with a refund calculated for any unused premium.
Can I lower my deductible or increase my liability coverage with Autopac?
Yes, you can reduce your deductible or increase your third-party liability limit by purchasing Autopac Optional Insurance. Deductibles as low as $200 and liability limits up to $10 million are available, with premiums adjusted accordingly. These changes can be made at any Autopac agent.
Does Autopac cover rental or borrowed vehicles?
Autopac does not automatically cover rental or borrowed vehicles, but you can purchase Optional Rental Vehicle Insurance. This covers rental/borrowed vehicles in Canada or the U.S. up to $100,000 for damage and up to $10 million for liability, with a reduced $200 deductible.
What should I do after an accident or theft with Autopac coverage?
Report the incident to MPI as soon as possible, either online or by phone, before arranging repairs. You will need to provide accident or theft details and obtain an estimate before repairs start. Your adjuster will clarify coverage, deductibles, and arrange services like towing or loss of use benefits if eligible.
Do I have to pay in advance for repairs or assistance with Autopac?
If you use a repair shop participating in Manitoba Public Insurance’s Direct Repair Program, Autopac pays the shop directly and you only pay your deductible or any non-covered costs. For towing, arrangement and payment are usually handled by MPI if your vehicle is undriveable after a covered loss. Always confirm with your adjuster before proceeding with any repairs or services.
How do I cancel my car insurance contract with Autopac?
To cancel Autopac, visit an Autopac agent in person or send a signed cancellation request (and, if moving, proof of new registration) to Manitoba Public Insurance; cancellation is immediate, with a refund calculated for any unused premium.
Can I lower my deductible or increase my liability coverage with Autopac?
Yes, you can reduce your deductible or increase your third-party liability limit by purchasing Autopac Optional Insurance. Deductibles as low as $200 and liability limits up to $10 million are available, with premiums adjusted accordingly. These changes can be made at any Autopac agent.
Does Autopac cover rental or borrowed vehicles?
Autopac does not automatically cover rental or borrowed vehicles, but you can purchase Optional Rental Vehicle Insurance. This covers rental/borrowed vehicles in Canada or the U.S. up to $100,000 for damage and up to $10 million for liability, with a reduced $200 deductible.
What should I do after an accident or theft with Autopac coverage?
Report the incident to MPI as soon as possible, either online or by phone, before arranging repairs. You will need to provide accident or theft details and obtain an estimate before repairs start. Your adjuster will clarify coverage, deductibles, and arrange services like towing or loss of use benefits if eligible.
