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Western Financial Group offices will be closed Monday, February 17 in observance of Family Day. We will reopen on Tuesday, February 18. For emergency claims, please call 1-877-599-7299.

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Best Insurance Broker in Winnipeg (Bridgwater)

Car insurance, Autopac, home insurance, business insurance and more.

Need insurance you can count on? We’ve been Winnipeg’s trusted source for car, home, business, farm, and life insurance for over 100 years. Visit our Bridgwater location or one of our other Winnipeg locations today for expert insurance advice! As brokers for Canada’s top insurance providers, we compare insurance options across Winnipeg and handle the details to secure the best coverage at the right price — insurance tailored just for you. We'll also provide top rated customer support if you ever need to submit a claim. 

Get a Free Quote Online Today!

Select a product below to compare insurance prices across Winnipeg. 

 

Broker Information

Winnipeg (Bridgwater), Manitoba

Reviews: 4.0

Contact Branch
204-949-2630
bridgwater@westernfg.ca

Location
400 North Town Road #330, Winnipeg, MB R3Y 0Y3

Hours

Mon-Fri: 9:00am - 6:00pm
Sat: 9:00am - 5:00pm

Your Trusted Insurance Broker in Bridgwater Winnipeg, MB

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2026-03-08

I had a wonderful experience at Wyatt Dowling thanks to Monica. She was incredibly kind, patient, and went out of her way to wait while I went to get my remaining document. Her professionalism and genuine kindness made the whole process so much easier and pleasant. Truly great customer service. thank you, Monica!

Winnipeg -

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2026-03-07

I had a great experience with Monica Castro Spinelli at Wyatt Dowling Insurance Brokers. She helped me a lot with the process of updating my driver’s license. She was very kind, patient, and professional throughout the entire process. She answered all my questions clearly and made sure I understood every step. I truly appreciate her support and excellent customer service. Thank you so much for your help!

Winnipeg -

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2026-03-07

Thank you Sherry, L, insurance advisor of Wyatt Dowling Brighwater branch, for her professional expertise, exceptional patience, problem-solving skills, attention to details, and courteous customer service. Sherry provided our family explanations in both English and Mandarin. Much appreciated Thank you Sherry

Winnipeg -

Why Choose Western

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We shop across trusted providers to find you the best personal or commercial insurance coverage.

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13,000+ Reviews | 4.5 Stars

Reviewed by Canadians in our communities nationwide.

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Serving Canadians Since 1905 
Over a century of experience delivering trusted insurance solutions.

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Fast, Personalized Advice From Experts
Our local insurance experts understand your specific needs.

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Convenient Same-Day Service
Get covered fast with hassle-free, same-day insurance solutions.

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Giving Back
Through the Western Communities Foundation.
Over $9M donated since 2001 to strengthen communities.

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We're your local Canadian insurance broker at Bridgwater, Winnipeg.

Visit Wyatt Dowling, a subsidiary of Western Financial Group in Winnipeg, for comprehensive insurance solutions in the Bridgwater or larger Waverley West area. We provide services such as:

Car Insurance - Protect your vehicle with affordable and reliable coverage.

Home Insurance – Secure your home and belongings from unexpected events.

Business Insurance – Safeguard your business operations with tailored policies.

Farm Insurance – Coverage to protect your farm, equipment, and livestock.

Life Insurance – Plan for the future and protect your family’s financial security.

Western Financial Group is a proud member of the Insurance Brokers Association of Manitoba. 

Get The Best Rates: Compare Insurance Quotes Across Canada

Insurance brokers can compare quotes and services across different insurance providers. Western's Insurance Brokers save you time and money by hand-selecting the best insurance quotes at the best rates nationwide and helping you compare them for peace of mind.

Whether you want to protect your home, business, farm, or vehicle, working with an insurance broker is a smart move. Navigating all the insurance options out there can be tricky and time-consuming on your own. We make sure you get great rates and a service guarantee to safeguard your best interests!

Western Financial Group Partners with Winnipeg Blue Bombers

Proudly Supporting the Winnipeg Bridgwater/Waverley West Area

Located in the growing Bridgwater community of southwest Winnipeg, our branch proudly serves residents in one of the city’s newest and most vibrant neighbourhoods. Bridgwater, part of the larger Waverley West area, is known for its modern homes, scenic walking trails, beautiful lakes, and strong sense of community.

Situated in the southwest corner of Winnipeg, Bridgwater offers a perfect blend of urban convenience and natural green space. Families and professionals alike enjoy nearby parks, schools, shopping, and quick access to major routes like Pembina Highway and Kenaston Boulevard.

Your Wyatt Dowling Insurance Brokers Bridgwater branch offers car and truck insurance, home insurance, business insurance, life insurance, and many other products, providing trusted advice and personalized coverage right in your neighbourhood.

A proud supporter of our Western Communities Foundation charity, we assist young leaders via student bursaries, strengthen local infrastructure and lend a helping hand during crises.

Look no further if you’re needing car and truck insurance, home insurance and business insurance. Let our experts be your trusted source for motorcycle insurance, off road insurance and boat insurance etc.

We Are Winnipeg's Largest Insurance Broker

With 13 locations across the city of Winnipeg, Western Financial Group & Wyatt Dowling Insurance Brokers has the proud distinction of being the city’s largest insurance broker and one of the largest brokerages in Manitoba. Western Financial Group is a proud partner of the Winnipeg Blue Bombers.

At our Winnipeg branches, we have competitive rates and outstanding customer service. We’ll listen to your concerns and help you customize a policy that fits your needs today and as they change.

Western Financial Group, a Partner of Winnipeg Blue Bombers

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What do I need to know about car insurance in Winnipeg, Manitoba?

When you buy car insurance, you must have a valid vehicle registration and get mandatory basic Autopac insurance from the Manitoba Public Insurance Corporation.

Western Financial Group is authorized to sell Autopac policies.

Autopac insurance includes personal injury insurance, all-perils insurance, and third-party liability insurance.

How much does car insurance cost in Manitoba?

The average cost of car insurance in Manitoba right now is between $1,000 and $1,350 per year, depending on your vehicle type, optional coverage, and driving history. The recent rate increase by Manitoba Public Insurance adds about $51 to annual premiums, meaning most drivers are seeing average annual costs between $1,140 and $1,350 for typical coverage.  That's about $100 a month.

What does basic Manitoba car insurance cover?

Basic third-party liability coverage insures you up to $500,000 for claims that are made against you. You can get Autopac coverage to increase your third-party liability protection to $1 million, $2 million, $5 million, $7 million or $10 million.

You can also get higher liability limits through Special Risk Extension coverage.

How are my Autopac rates determined?

  • Your vehicle
  • Where you live
  • Your driving record

How can I reduce my auto insurance in Winnipeg, Manitoba?

To lower your auto insurance premiums, you’ll want to maintain a clean driving record, try bundling your car insurance with your home insurance policy, increase your deductible, and install approved anti-theft devices. Some insurers also offer discounts for completing defensive driving courses. 

What is the minimum auto insurance coverage in Winnipeg? 

In Manitoba, car insurance is provided through the Manitoba Public Insurance (MPI) Autopac program, which is mandatory for every registered vehicle. Basic Autoplan (the minimum coverage) includes $500,000 in third party liability coverage, which can optionally be increased. The standard deductible for MPI Basic Autopan is $750 - this is the amount you have to pay out-of-pocket before MPI covers the rest of any damages. 

Can you drive a car without insurance in Winnipeg? 

No, you absolutely need insurance to drive a car in Winnipeg, or anywhere in Manitoba. The minimum fine for a first offense of driving without car insurance in Manitoba is a hefty $5,000, which can go up to $25,000. You might also be charged with extra court costs and surchrages, along with potential license suspension and vehicle impoundment. Make sure your insurance is up to date! 

Do you pay deductible if not at fault in a car accident in Winnipeg, Manitoba? 

In Manitoba, if you are found 100% not at fault for the accident, you typically don't have to pay the deductible, or it'll be refunded. Sometimes you may need to pay a deductible to quickly get your vehicle repaired while it's still unclear who was at fault in the accident. If MPI determines that the other driver was at fault, they will waive or fully refund your deductible and cover the cost of your repairs. 

What do I need to know about home insurance in Winnipeg, Manitoba?

Home insurance is not mandatory in Manitoba, but if you have a mortgage your lender will likely require you to have an insurance policy.

Home insurance helps you protect against:

  • Theft
  • Fire
  • Third- party “slip and fall” accidents
  • Vandalism

Without home insurance, you’ll be responsible for paying out of pocket for damages to your home and detached structures like your shed or garage.

Home insurance also covers your personal belongings and helps protect you should someone get injured at your home.

You’ll be protected and have peace of mind with home insurance in Winnipeg.

Did you know that your home insurance policy does not cover damages or accidents that happen due to you running your business at your Winnipeg home?

5 Questions about insuring your home business

How much is property insurance in Winnipeg, Manitoba? 

Property insurance could include just your home, or it could include a farm, business, or outbuildings. The cost of property insurance in Winnipeg varies widely depending on factors such as location, property value, and coverage options. For more precise estimates, reach out and we’ll help you compare quotes from insurance providers across Manitoba. 

How much does home insurance typically cost in Winnipeg, Manitoba? 

The average cost of home insurance in Winnipeg, Manitoba ranges from $80 to over $100 per month, or $1000-$2000 annually, depending on factors such as location, property value, local weather, proximity to a fire station, whether you work from home or rent out your home, and any extra coverage options you opt for. Keep in mind that your unique home insurance rate really does depend on many factors, so these averages may not be accurate for your specific situation. For more precise estimates, reach out and we’ll help you compare quotes from insurance providers across Manitoba. 

How do I get home insurance in Winnipeg?

When you reach out to us about home insurance in Winnipeg, MB, you'll typically need to provide details about your property including its age, construction materials, square footage, and any safety features you’ve already installed. Information about your personal claims history may also be required. Don't worry, we'll walk you through it!

What should I make sure is included in my home insurance in Winnipeg? 

Make sure your local home insurance policy includes coverage for the dwelling itself, personal property, liability protection, and additional living expenses in case of temporary displacement. Give us a call and we’ll help you understand exactly what your specific situation needs, including any optional coverages, such as sewer backup or overland water protection. 

Western Proudly Supports Our Canadian Communities

At Western, caring is at the heart of everything we do. We are dedicated to making a meaningful difference in Brooks and across Canada by actively supporting the causes that matter most to our customers, employees, and neighbours. Our commitment to care drives us to create a positive, lasting impact every day.

A Legacy That Continues to Inspire: The Inaugural Western Communities Foundation Madisson Cobb Memorial Youth Athlete Bursary Award

  August 11, 2026

Building Teams, Driving Growth: Zac Isfjord Named an Insurance Business Canada Rising Star

  August 11, 2026

Western Communities Foundation Bursaries Support Students, Strengthen Communities

  July 27, 2026