Car Insurance Canada 2026: Cheapest Rates by Province + Save $1,102

Manitoba: MPI Public System – Stable Rates

MPI increased only 3.1% in 2026. At $1,388/year, Manitoba is the 3rd cheapest province.

MPI discounts:

1. Driver Safety Rating: +15 level = 33% off
2. Anti-theft device: 5% off if approved by MPI
3. Commuter discount: Work from home 3+ days = 10% off