How much is car insurance in Regina?

Car insurance in Regina averages $1,000–$1,300/year for a typical driver with a clean record through Saskatchewan's SGI system. Total costs include mandatory plate insurance through SGI Auto Fund plus optional extension coverage from private insurers or SGI Canada.

How does car insurance work in Regina?

Regina uses Saskatchewan's public auto insurance system. Mandatory basic coverage (liability, accident benefits, and damage coverage) is purchased through SGI Auto Fund as part of your licence plate registration. Optional extra liability and collision/comprehensive are purchased separately from SGI Canada or private insurers.

What is the DSR (Driver Safety Rating) in Saskatchewan?

The DSR is Saskatchewan's driver rating scale from -4 to +15. A higher DSR means lower premiums on your extension coverage. The scale moves up with claim-free years and down after at-fault accidents. Starting at 0, a clean record reaches +15 (maximum discount) after 15 years.

Can I choose my own car insurance company in Regina?

The mandatory basic coverage in Regina must be purchased through SGI Auto Fund. For optional extension coverage (extra liability, collision, comprehensive), you can choose from SGI Canada, private insurers, or brokers who access other markets.

Car Insurance Regina | Average Rates & How to Save (2026)

Regina car insurance works differently from most Canadian cities because Saskatchewan uses a public auto insurance system. Through Saskatchewan car insurance administered by SGI (Saskatchewan Government Insurance), basic mandatory coverage is included with your licence plate registration — not purchased separately from a private insurer. Understanding this system is the key to managing your Regina car insurance costs effectively.

Regina uses SGI (Saskatchewan Government Insurance). See how Saskatchewan car insurance works and compare nationally in our average car insurance by province guide.

How Car Insurance Works in Regina

Step	Action
1	Register your vehicle and pay SGI Auto Fund fees (mandatory basic coverage included)
2	Receive basic third-party liability ($200,000), accident benefits, and vehicle damage coverage
3	Optionally purchase extension coverage for higher liability limits, collision, and comprehensive
4	Extension coverage available from SGI Canada or private insurers

Average Car Insurance Costs in Regina

Total Annual Cost (Mandatory + Extension)

Driver Profile	Annual Total
Experienced driver, clean record, DSR +10 to +15	$900–$1,200
Average driver, DSR 0 to +5	$1,100–$1,500
New driver (new to Saskatchewan)	$1,300–$1,800
Driver with at-fault accident, DSR -1 to -4	$1,400–$2,000

By Vehicle Type (Impact on Plate Insurance)

Vehicle Type	SGI Auto Fund Factor
Small sedan	Lower
SUV / crossover	Moderate
Pickup truck	Moderate–High
Luxury / high-value vehicle	Higher replacement value premium
Commercial vehicle	Separate commercial rates

The DSR — Your Key Cost Control Lever

The Driver Safety Rating (DSR) is Saskatchewan’s equivalent of other provinces’ driver rating systems:

DSR Level	Status	Premium Impact
+15	Maximum — 15+ claim-free years	Maximum discount on extension
+10 to +14	Excellent record	Significant discount
+5 to +9	Good record	Moderate discount
0	Starting point	Base rate
-1 to -2	One or two at-fault incidents	Surcharge
-3 to -4	Three or more incidents	Maximum surcharge

Your DSR moves up by one point per claim-free year and down when you are at fault in an accident. Multiple incidents can push your DSR to the minimum (-4), resulting in mandatory coverage only through SGI with no access to competitive extension rates.

SGI’s No-Fault System in Regina

Saskatchewan uses a no-fault system for injury claims (Personal Injury Protection Plan — PIPP):

Benefit	Details
Medical expenses	Covered for all parties regardless of fault
Rehabilitation	Covered
Income replacement	90% of net income, up to maximums
Death and funeral benefits	Provided under PIPP
Right to sue	Limited under PIPP

This means that in a collision, you do not sue the at-fault driver for injuries — your own coverage through SGI handles your injuries. The trade-off for limiting lawsuits is universal injury protection for all accident victims.

What Extension Coverage Adds

Extension Coverage	Benefit
Higher liability limits (up to $5M)	Protects assets above $200K base
Collision	Your vehicle repairs when at fault
Comprehensive	Theft, fire, hail, glass
Loss of use	Rental car while yours is repaired
New vehicle protection	Replacement value on newer vehicles

Best Insurers for Regina Extension Coverage

Insurer	Notes
SGI Canada	Saskatchewan’s own commercial insurer
Intact Insurance	National — competing in extension market
Wawanesa	Strong Prairies presence
The Co-operators	Cooperative model
Economical (Definity)	Broker-distributed

SGI Canada (separate from SGI Auto Fund) often offers very competitive extension coverage for Regina drivers — particularly for those with good DSR scores. Always compare their extension quote with private market options.

How to Save on Regina Car Insurance

Strategy	Savings
Maintain clean record (raise DSR)	Long-term best strategy
Choose higher extension deductible	10–20% on extension portion
Bundle extension coverage (home + auto extension)	10–15%
Winter tires	No discount in SK — but prevents claims
Anti-theft device	2–5% on comprehensive extension
Low mileage	Verify with insurer
Pay annually	2–5%

Regina vs Other Prairie Cities

City	Average Annual
Calgary	$1,800–$2,800
Edmonton	$1,400–$2,000
Winnipeg	$1,500–$2,000
Regina	$1,000–$1,500
Saskatoon	$1,000–$1,500

Regina and Saskatoon are among Canada’s most affordable major cities for car insurance, thanks to the SGI public system and lower overall claim costs.