A Canada Post strike began on September 26, 2025, which may result in delays in the delivery of insurance documents. We encourage you to use our available online tools to manage your policy.

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Best car insurance, home insurance, and business insurance in Winnipeg (St James), Manitoba

Serving Winnipeg for more than 100 years, we’re your go-to experts for car, home, business, farm, and life insurance at Saint James Street. Get a quote online, visit us in person, or explore one of our ten other Winnipeg locations. 

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!

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Why Choose Western

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We shop across trusted providers to find you the best coverage.

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Over 9,500 Five-Star Reviews

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
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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Your local Canadian insurance broker in Winnipeg, MB.

At Western Financial Group, we offer a wide range of insurance products to protect your home, business, vehicle, and more. Our services include:

  1. Car Insurance – Protect your vehicle with affordable and reliable coverage.
  2. Home Insurance – Secure your home and belongings from unexpected events.
  3. Business Insurance – Safeguard your business operations with tailored policies.
  4. Farm Insurance – Coverage to protect your farm, equipment, and livestock.
  5. 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. 

Proudly Supporting the Winnipeg Community

Winnipeg is the capital of Manitoba and supports a population of nearly 750,000 people. An indigenous trading settlement for thousands of years, the city itself started as the Red River Colony in 1812. Don’t miss our natural spaces including Assiniboine Forest, Transcona Bioreserve and Kings Park.

Your Wyatt Dowling Insurance Brokers Saint James Street branch in Winnipeg offers car and truck insurance, home insurance, business insurance and life insurance as well as many other products.

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.

Wyatt Dowling is Winnipeg's Largest Insurance Broker

With 11 locations across the city of Winnipeg, 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 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.

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

Comparing Insurance Options Across Canada

Q: What does an insurance broker do?
A: Western's insurance brokers find the best insurance package at the right price.

Insurance brokers can compare quotes and services across different insurance providers. Western's Insurance Brokers save you time and stress by hand-selecting the best insurance quotes nation-wide to match your specific needs and helping you compare them.

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!

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.

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

In total, the average cost of car insurance in Winnipeg is about $100 a month.

The average annual premium for basic car insurance in Manitoba, including Winnipeg, is $942.84 for the 2025/26 insurance year. Most drivers also purchase additional optional coverage, for an average of $100-200 a year. Altogether, this typically averages out to about $100 a month for Winnipeg drivers, depending on your unique coverages.

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. 

What questions do I need to answer to get home insurance in Winnipeg?

When seeking 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 Winnipeg 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.

Celebrating the Grand Opening of Winnipeg Dakota Street Location

  November 24, 2025

Paint The Town Purple! Western Stands Up in AB and SK

  November 12, 2025

Supporting Inclusion and Opportunity in Camrose: Western Donates $5,000 to CAFCL's Charity Auction

  October 30, 2025

 

Broker Information

Winnipeg (Saint James Street), Manitoba

Reviews: 4.1

Contact Branch
204-949-2605
stjames@westernfg.ca

Location
1027 St James St, Winnipeg, MB R3H 0K6

Hours

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

Your Trusted Insurance Broker in Winnipeg, MB