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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 (St James)

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

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 other Winnipeg locations.  We can handle Autopac registrations and renewals. As brokers for Canada’s top insurance providers, we compare Winnipeg insurance options to help you find and choose the right insurance at the best 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 (Saint James St), Manitoba

Reviews: 4.0

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

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2026-02-11

It’s always been a great experience working with Gitika Aggarwal for all my vehicle insurance needs. She’s always been very helpful and responsive. Great service. Amazing experience.

Winnipeg -

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2025-11-19

I want to publicly thank each and every one of you, who work at the St. James Wyatt Dowling offices. You are the definition of what customer service is all about. Not many business now a days, still answer phones and address my concerns in a non-judgement way. Yes, I am old and not well versed in the new technology; so I appreciate it that can conduct my business without having to talk to a machine, use e-payment and other high tech chat rooms etc. Thanks again to the amazing staff and management. Emily Plato

Winnipeg -

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2025-08-23

I recently had a bit of a complicated situation to figure out in regard to getting a new ID. Something I had been stressing over for a while. I sat down with an associate there by the name of Gitika. She was fantastic. Such a nice person and an even better employee. It took a while to get my situation sorted out, with a few phone calls having to be made. She was so positive, professional and patient the whole way through. Her attitude and personality definitely eased my stress and we got the situation figured out. Thank you so much, Gitika.

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.

Get a Quote

We're your local Canadian insurance broker at St James Street, 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.

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 St. James Neighbourhood

Located at 1027 St. James Street in the St. James neighbourhood of Winnipeg, this branch serves a well-established community known for its mix of residential streets, parks, and local businesses. St. James combines historic charm with modern amenities, making it a sought-after area for families, professionals, and small business owners alike.

What sets our St. James Street branch apart is our deep knowledge of the neighbourhood’s unique needs. Whether you’re insuring a heritage home, a vehicle, or a local business, our team provides personalized coverage and expert guidance tailored to St. James residents and business operators.

Our St. James Street location offers a comprehensive range of insurance solutions, including car insurance, home insurance, and business insurance, along with other personal and commercial coverage options. Clients benefit from trusted advice, proactive risk management, and responsive claims support, ensuring peace of mind across Winnipeg.

Choosing Wyatt Dowling Insurance Brokers at St. James Street means working with a local broker committed to community-focused service, tailored coverage, and reliable insurance solutions in St. James and surrounding areas.

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.

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 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.

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