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SMI Auto Insurance

A Product Designed for You

Manitoba Public Insurance (MPI) provides mandatory registration and auto insurance in Manitoba.

Effective April 1, 2021, MPI Mandatory Basic Insurance includes:

  • $750 Deductible for passenger vehicles and motorcycle
  • $500,000 Third-Party Liability
  • $70,000 Maximum Insured Value

Where and why you drive your vehicle is a factor in determining your rates:

Pleasure Driving – used for recreation, limited use for work*

All Purpose – used to go to and from work or school*

Commuter – used to go to and from work or school in a larger city*


*visit for more information

SMI Auto Extension Provides Additional Coverage Options:

  • SMI’s formula for driving record rating provides reduced rates for some customers
  • Rental Car Insurance included with your owned vehicle insurance; no need to purchase another policy or notify the insurer (up to 90 days coverage in North America)
  • Lay up coverage in place if/when you seasonally plate a trailer or motorhome – no additional fees or notice required
  • Increased Auto Loss of Use options
  • Increased deductible options; as low as a $50 comprehensive deductible
  • Trailers (other than semi-trailers) over 41 feet (12.5 m) – coverage not available through MPI

Additional or Extension Coverage


Extension coverage is available through MPI or SMI (Saskatchewan Mutual Insurance) – the choice is yours!

Options Include:

  • Lower Deductibles
  • Higher Third-Party Liability Limits
  • Loss of Use Coverage
  • New or Leased Car Protection
  • Increased Maximum Insured Value for vehicle valued over $70,000
  • Income Replacement Indemnity for customers earning an income over $101,000