How Manitoba Auto Insurance Renewals Work
Renewing your Manitoba auto insurance policy is a critical step to ensure your ongoing coverage and legal compliance as a driver. MPI (Manitoba Public Insurance) requires all registered vehicles to maintain valid insurance at all times. The renewal process is designed to keep your policy, vehicle, and driver information up to date, and allows you to make changes to your coverage as your needs evolve.
When Do You Renew?
Most Manitoba drivers renew their Autopac coverage annually. Your renewal date is usually linked to your birthday (or the last renewal date), and MPI mails you a renewal notice well in advance. Check your notice for the exact date and details. Failing to renew on time can result in a lapse of coverage, fines, or even vehicle impoundment.
Step-by-Step Renewal Checklist
What Can You Change During Renewal?
- Adjust your deductible (higher or lower)
- Add or remove optional coverage (e.g. collision, comprehensive, extension insurance)
- Update driver or vehicle information (address, name, usage type)
- Switch payment frequency (annual vs. monthly)
- Change authorized drivers
Payment Options for Renewals
- Pay in Full: One-time payment by debit, credit card, cheque, or cash (in person)
- Monthly Installments: MPI’s payment plan lets you spread payments over the policy year (may require pre-authorized debit and a small admin fee)
- Online Payments: Eligible customers can renew and pay online through MPI’s portal or their bank
How to Renew Auto Insurance in Manitoba Online
- Check your MPI renewal notice for an online renewal code and eligibility. Most simple renewals (no major changes) can be done online.
- Visit the MPI online portal and enter your renewal code and policy details.
- Review your vehicle, driver, and coverage information. You can only renew online if no significant changes (vehicle, address, driver, or coverage change) are required.
- Choose your payment method: credit card, online banking, or pre-authorized debit.
- Download or print your renewal confirmation. Updated documents will be mailed or made available digitally.
If you need to make changes (like adding a driver, changing coverage, updating address), you must visit or call your Autopac agent.
Will My Insurance Automatically Renew?
MPI does not automatically renew your insurance without your action. You must actively complete the renewal process each year—either online, by phone, or in person. Failure to renew means your insurance and vehicle registration will expire.
What Happens if I Don't Renew?
- Your vehicle registration and insurance will lapse, making it illegal to drive your vehicle in Manitoba.
- You can face fines, vehicle impoundment, and be personally liable for any accident or damage.
- MPI provides a short grace period, but it is highly recommended to renew on time or as early as possible.
If your policy lapses, contact your Autopac agent immediately to discuss reinstatement. In most cases, you can reinstate by paying outstanding fees and providing updated information, but coverage is not active during the lapse period.
How to Check If Your Car Insurance is Active
- Review your renewal documents or digital pink card (certificate of insurance).
- Login to your MPI online account or contact your Autopac agent.
- If you missed your renewal, your insurance is not active even if you still have the old documents.
Is There Tax on Car Insurance in Manitoba?
Yes. Manitoba applies the Retail Sales Tax (RST) to car insurance premiums and certain insurance products. This tax is included in your total when you renew your policy. The rate and application can change, so check your renewal notice for details or ask your agent.
Frequently Asked Questions
Yes, many drivers can renew online if no major changes are required. Check your MPI renewal notice for eligibility. You’ll need your renewal code, and can pay via online banking or credit card.
Absolutely! Renewal is the best time to update your coverage, deductible, payment plan, or vehicle/driver details. If you need to make changes, visit your Autopac agent in person.
If you miss your renewal, your insurance and registration may lapse, which is illegal. Renew as soon as possible to avoid fines or vehicle suspension. Contact your Autopac agent if your renewal is overdue.
Bring your renewal notice, government-issued ID, proof of payment, and any supporting documents for changes (e.g. new address or driver’s licence).
Yes. You can renew up to 4 months before your policy expiry. Early renewal gives you time to handle any issues or changes without risk of a lapse.
No. You must actively renew your MPI policy each year before the expiry date, either online, by phone, or in person. Insurance does not automatically renew—you may lose coverage if you do not take action.
If your policy is cancelled or lapses, contact your Autopac agent immediately. You may be able to reinstate coverage by paying missed fees and updating your information. Coverage is not retroactive—there is a risk period while uninsured.
Yes. Retail Sales Tax (RST) applies to car insurance premiums and is included in your total payment at the time of renewal. The current rate is set by the Manitoba government and is subject to change.
Still have questions? Explore our FAQ page or contact an Autopac agent for personalized help.