ABC's of Insurance > How Rates are Determined
Where You Live
We divide Manitoba into four territories. Your risk of a claim depends, in part, on which territory you live and drive in. Also, accidents may cost more in some parts of Manitoba than others because repairs may be more expensive.
| Territory 1: | Winnipeg (including St. Norbert, Headingley, East and West St. Paul) |
| Territory 2: | All areas south of the 53rd parallel, except for Territory 1 (includes Brandon, Portage la Prairie, and Dauphin) |
| Territory 3: | All
areas north of the 55th parallel (includes Thompson, Lynn Lake, and Churchill) |
| Territory 4: | The
area north of the 53rd parallel and south of the 55th parallel (includes Flin Flon, The Pas and Grand Rapids) |
People who live in Territory 2 and drive into Territory 1 (Winnipeg) to go to or from, or part way to or from, school or work are considered commuters to Winnipeg. You must insure as a commuter if you live in Territory 2 and drive into Territory 1 to go to school or work, more than 4 days a month. For example, a student who lives in Territory 2 but travels into Winnipeg twice a week to attend college should insure as a commuter.
When you move …
The law says that your vehicle registration and driver’s licence must show your new address no later than 15 days after you move. If you move from one territory to another and don’t notify us, we may refuse your claim. Ask your Autopac agent to complete an address change for you immediately after you move so our records are always up-to-date.
View Manitoba's Territory map here
ABCs
of Insurance | Basic
Autopac | Optional
Autopac | Insuring
a Vehicle | New
to or Leaving Manitoba |
Buying or Selling | Planning
a Trip | Autopac
Fleet Program | FAQ
