Wyatt Dowling Insurance Brokers is a proud subsidiary of Western Financial Group, serving Winnipeg for over 100 years.
Best Insurance Broker in Winnipeg (McPhillips)
Car insurance, Autopac, home insurance, business insurance and more.
Whether you’re searching for auto insurance, Autopac, home insurance, business insurance, farm insurance, or life insurance, we are your trusted local experts in Winnipeg (McPhillips Street), MB, with over 100 years of experience.
As brokers for Canada’s top insurance providers, we compare options nationwide and handle the details to secure the best coverage at competitive rates — insurance tailored just for you. We'll also provide top rated customer support if you ever need to submit a claim.
Contact us today for a FREE quote and protect what matters most!
Get a Custom Quote Today!
Select a product to get a quick customized quote from an expert.
Your Trusted Insurance Broker in Winnipeg, MB
2025-11-27
Excellent service! Very knowledgeable, helpful. Very professional and easy to work with. Highly recommended!”
Winnipeg -
2025-04-04
I had great experience with Pawanpreet. She is very knowledgeable, patient and genuinely caring about helping me found what i needed. Will definitely be back!! Highly recommend her!
Winnipeg -
2025-02-02
I was there yesterday and Christopher was awesome. He said he was new but seemed very knowledgeable. He only had to ask a co worker to check something for him . She helped him and I don't remember her name but she has always been helpful to me in the past.
Winnipeg -
Why Choose Western
Compare Insurance Quotes for Free
We shop across trusted providers to find you the best personal or commercial insurance coverage.
Serving Canadians Since 1905
Over a century of experience delivering trusted insurance solutions.
Fast, Personalized Advice From Experts
Our local insurance experts understand your specific needs.
Convenient Same-Day Service
Get covered fast with hassle-free, same-day insurance solutions.
Giving Back
Through the Western Communities Foundation.
Over $9M donated since 2001 to strengthen communities.
We're your local Canadian insurance broker at McPhillips St, Winnipeg.
Visit Wyatt Dowling, a subsidiary of Western Financial Group in Winnipeg, for comprehensive insurance solutions—covering your home, business, vehicle, and more. 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.
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!
Proudly Supporting the Winnipeg St. James Area at McPhillips Street
Located on McPhillips Street in the heart of Winnipeg’s St. James neighbourhood, our branch serves a diverse community known for its mix of residential streets, local businesses, and convenient access to major transportation routes, including the Perimeter Highway and downtown Winnipeg. St. James is a well-established neighbourhood with a strong community feel, blending historic character with modern amenities.
What sets our McPhillips Street branch apart is our deep knowledge of the St. James community and its unique insurance needs. Whether you’re a homeowner in a heritage property, a local business owner, or managing multiple vehicles, our team provides personalized guidance and tailored coverage that reflects the realities of the neighbourhood.
Winnipeg offers a range of communities with distinct identities. St. James stands out for its balance of residential charm, shopping, and industrial access, making it ideal for families and businesses alike.
Your Wyatt Dowling Insurance Brokers McPhillips Street branch offers a wide array of solutions, including car insurance, home insurance, and business insurance, along with other personal and commercial coverage options. Our team focuses on customized advice, proactive risk management, and fast claims support, ensuring you’re protected wherever life takes you in St. James and across Winnipeg.
Choosing our McPhillips Street branch means working with a local Winnipeg broker committed to community insight, reliable coverage, and exceptional service, tailored to the unique needs of St. James residents and businesses.
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.
At our McPhillips Street branch, 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.
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.
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.
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.
Western Supports Family Day Game in Kelowna
February 19, 2026
Western's Winnipeg Branches Support Valentines For Veterans
February 11, 2026
Western Financial Group Hits The Streets In Style In Winnipeg
February 6, 2026