Your position on the Driver Safety Rating (DSR) scale depends on your driving record. High-risk driving moves you down the scale, which means you pay more for your driver’s licence and vehicle premiums.

If you’re a new Manitoba driver with your first driver’s licence, you’ll be at the “base” level on the Driver Safety Rating scale for both vehicle and driver’s licence premiums. After that, for each year you drive safely, you’ll move up the scale and start saving.

How the scale works

Each year, we’ll send you a notice showing you where you are on the scale and what you owe for the next year. We place you on the scale using your driving record for the past year.

Safe driving behaviour will move you up the scale. High-risk driving, including traffic convictions, at-fault claims or alcohol- or drug-related administrative suspensions, will move you down the scale.

Moving up the scale usually results in lower premiums. Moving down the scale means higher premiums, in most cases.