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Best car insurance, home insurance, and business insurance in Winnipeg, Manitoba

Whether you’re searching for car insurance, home insurance, business insurance, farm insurance, or life insurance, we are your trusted local experts in Winnipeg (Kildare Ave), Manitoba, 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!

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Why Choose Western

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Compare Insurance Quotes for Free 
We shop across trusted providers to find you the best coverage.

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Over 7,611 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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Our local insurance experts understand your specific needs.

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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

Nestled at the confluence of the Red and Assiniboine Rivers, Winnipeg, the vibrant capital of Manitoba, boasts a rich history. From its humble beginnings as the Red River Colony in 1812, this dynamic city has grown to support a population approaching 750,000.

As your dedicated insurance brokers right here in Winnipeg (on Kildare Ave), we understand the unique needs of this thriving community. Whether you're navigating the bustling city streets in your car or truck, safeguarding your Winnipeg home, protecting your business or farm, or planning for your family's future with life insurance, we're here for you. 

We're also deeply committed to giving back to the community we serve. Through the Western Communities Foundation, we actively invest in Winnipeg's future by providing student bursaries to young leaders, strengthening local infrastructure, and offering support during crisis.

At our brokerage on Kildare Ave, you'll discover competitive rates paired with truly outstanding customer service. We take the time to listen carefully to your concerns, understand your individual needs, and work collaboratively with you to customize an insurance policy that provides the right coverage for today and adapts as your life evolves.

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. 

Your Trusted Insurance Broker in Winnipeg, MB

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2025-02-13

I had the pleasure of being assisted by Jai. Not only was she pleasant and delightful to deal with, she was also incredibly helpful in answering any questions or concerns I had. Will always be returning to her for my insurance needs, and will be recommending her to others in the future. Thank you so much, Jai!

Brandyn Paquette
Winnipeg

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2024-11-15

I highly recommend Poojah and the team at the Kildare branch! Poojah is incredibly helpful, consistently providing excellent customer service with a warm and friendly approach. She is quick to respond to urgent requests and always finds us the best rates. The entire Kildare branch team is efficient, professional, and welcoming, making every interaction smooth and stress-free. We truly appreciate the level of dedication and expertise we receive – they make managing our insurance a great experience!

Jayson Del Rosario
Winnipeg

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2024-11-07

Went here to purchase rental car insurance and was smooth and easy. Pooja was extremely kind in assisting. Overall ambiance of the place was that these people love what they do and know what they are doing!

abbyvee 5
Winnipeg

 

Broker Information

Winnipeg, Manitoba

Reviews: 4.3

Contact Branch
204-987-8070
Transcona@westernfg.ca

Location
630 Kildare Ave E Unit 7, Winnipeg, MB R2C 0P8

Hours

Mon-Fri: 9:00am - 5:30pm
Sat: 9:00am - 5:00pm
Sun: Closed