For a second year in a row, Manitoba drivers will receive a rebate on their car insurance.

In a decision released Monday, the Public Utilities Board has ordered Manitoba Public Insurance to give all registered vehicle owners a 10-per-cent rebate on their premiums.

"We know that Manitobans want that stability and they want that predictability in their auto insurance," MPI spokesman John Douglas said.

"It helps families on an everyday basis be able to budget from paycheque to paycheque, and that kind of rate stability helps all families out."

The utilities board cited MPI's better-than-expected financial returns as the reason behind its decision.

In 2005, the utilities board forced MPI to refund $58 million to drivers. The insurer had asked to put some of its surplus into a reserve fund used to stabilize Autopac rates over time.

Premium rates to change in 2007

The board has also decreed that premiums for private passenger vehicles in the 2007-2008 year will go down about three per cent on average.

The new rates go into effect next March, and drivers can expect rebate cheques about a month later. The rebates will be based on basic premiums paid in the 2005-2006 year.

Average premiums on commercial vehicles will rise 5.4 per cent in 2007, while motorcycles will see an increase of around five per cent.

Trailers will see the sharpest premium drop, about 14 per cent on average. Owners of public service vehicles can expect an average 2.4 per cent premium drop, while off-road vehicles will be unchanged.