DRIVER SAFETY RATING
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Serving provincial courts in Brandon, Dauphin, Morden, Portage La Prairie, Steinbach, Selkirk, Thompson, Winkler, Winnipeg, and across Manitoba.
Defending you since 1987.
Defending you since 1987.
Our offices are open by appointment only.
Call 204-818-1182 for a Free Consultation.
Driver Safety Rating (DSR)
- MPI promotes safer roads via the Driver Safety Rating (DSR) system, rewarding safe driving simply and fairly.
- Your DSR position is based on your driving record.
- Safe driving can escalate your DSR scale position, saving up to 46% on vehicle premiums and an additional $30 on driver’s licence premiums.
- High-risk behaviors like traffic convictions, at-fault claims, and impaired driving will lower your DSR scale position.
- Highest-risk drivers could face up to a $3,000 premium on their driver’s licence charge with no vehicle insurance savings.
- Starting April 1, 2024, the DSR scale will expand to 39 levels, including a new top level (+18) and greater vehicle premium discounts for levels +9 to +17, making safe driving more beneficial.
Unsafe Driving
- Severity of conviction affects scale movement.
- Examples of scale movements:
- Not obeying a traffic sign: -2 levels
- Speeding <50 km/h over limit: -2 levels
- Driving without a seatbelt: -2 levels
- Careless driving or using hand-held devices while driving: -5 levels
- Impaired driving (drugs/alcohol): -10 levels
- Speeding ≥50 km/h over limit: -10 levels
- Leaving the scene of an accident: -10 levels
- Impaired driving causing death: -15 levels
- Unsafe driving, at-fault claims, and certain convictions lower position on scale.
- Highest-risk drivers may incur up to a $3,000 premium on their driver’s license charge.
- No savings on vehicle insurance for highest-risk drivers.
How The Scale Works
- Annual notice sent before renewal, showing current scale position and next year’s dues.
- Adjustment of scale level based on prior year’s Driver Safety Rating (DSR) and driving record.
- Safe driving (no claims, convictions, or suspensions) each year raises you one level on the scale, reducing licence and vehicle premiums.
- High-risk driving (traffic convictions, at-fault claims, alcohol/drug suspensions) results in moving down the scale, increasing premiums.
- Drivers in negative scale positions can improve DSR substantially through safer driving; for instance, a driver at level -20 advances seven levels after one year of safe driving.
