How much is car insurance in Saskatchewan?

Saskatchewan car insurance averages $1,000–$1,400/year for basic SGI coverage plus optional extension. Total costs with collision and comprehensive typically range from $1,100–$1,700/year for most drivers.

Is SGI the only car insurance in Saskatchewan?

SGI through the Saskatchewan Auto Fund provides mandatory basic coverage — you cannot shop elsewhere for this. Optional extension coverage can be purchased from SGI or private insurers.

Does Saskatchewan have no-fault car insurance?

Yes. Saskatchewan operates under a no-fault system where your own insurer handles your injury claims regardless of who caused the accident. This applies to the Saskatchewan Auto Fund plate insurance portion.

What is the minimum liability coverage in Saskatchewan?

Saskatchewan requires $200,000 minimum third-party liability, though most drivers carry $1,000,000 or more. Plate insurance through SGI includes this mandatory coverage.

Car Insurance Saskatchewan (SGI) | Complete Guide 2026

Saskatchewan is one of three provinces where government-provided insurance is mandatory. SGI (Saskatchewan Government Insurance) administers the province’s public auto insurance through the Saskatchewan Auto Fund, which provides basic plate coverage attached to your vehicle registration. Unlike private provinces where you comparison-shop for mandatory coverage, your basic plate insurance is fixed — but there is still meaningful flexibility in how you structure your optional coverage, and private insurers compete for that business.

Saskatchewan operates SGI (Saskatchewan Government Insurance) as its public insurer. Compare this to private-market provinces in our car insurance by province guide or review car insurance across Canada.

For a national rate comparison, see car insurance by province across Canada.

How Saskatchewan Car Insurance Works

System Structure

Component	Provider
Plate insurance (basic)	SGI Auto Fund (mandatory)
Optional extension	SGI or private insurers
Injury claims	No-fault (Auto Fund)
Vehicle registration	Combined with plate insurance

Plate Insurance vs Extension

Your SGI plate insurance attaches to your licence plate, not your vehicle — it follows the plate. When you register your vehicle, you automatically purchase plate insurance. Extension coverage, which covers your vehicle for collision and comprehensive damage, is optional and separate.

Coverage	Source
Plate insurance	SGI only (comes with registration)
Owner’s certificate	Extends liability beyond basic
Collision and upset	SGI or private insurer
Comprehensive	SGI or private insurer

What Plate Insurance Covers

Basic Auto Fund Coverage

Coverage	Details
Third-party liability	$200,000 minimum
Accident benefits	No-fault injury coverage
Uninsured motorist	Included
Hit-and-run coverage	Included
Property damage (limited)	Included

Injury Benefits (No-Fault)

Saskatchewan’s no-fault injury benefits are handled through the Auto Fund regardless of who caused the accident. This means faster claims and lower legal costs — but you cannot sue the at-fault driver for general damages in most situations.

Benefit	Amount
Medical and rehabilitation	As required
Income replacement	90% of net income
Death and funeral	Lump sum benefits
Disability benefits	Covered

Average Costs in Saskatchewan

Saskatchewan has some of the lowest car insurance rates in western Canada. The public system controls costs better than fully private markets, and Saskatchewan’s lower population density means fewer claims overall.

Typical Annual Costs

Coverage	Annual Cost
Plate insurance only	$700–$1,000
Plate + collision/comprehensive	$1,000–$1,500
New driver (full coverage)	$1,800–$2,800
High-risk driver	$2,500–$4,000

By City

City	Average Annual (Full Coverage)
Regina	$1,100–$1,500
Saskatoon	$1,100–$1,500
Prince Albert	$1,000–$1,400
Moose Jaw	$1,000–$1,400
Rural Saskatchewan	$900–$1,300

Regina and Saskatoon have similar rates — both are mid-sized prairie cities with comparable risk profiles.

SGI Driver Safety Rating (DSR)

SGI uses a Driver Safety Rating scale from -4 to +15 to price premiums. New drivers start at 0, and each year without incidents moves you up the scale toward discounts. An at-fault crash or traffic violation moves you down, triggering surcharges.

DSR Scale

DSR Level	Description	Rate Modifier
+15	Maximum, best record	Lowest premium
+10 to +14	Excellent	Significant discount
+5 to +9	Good	Moderate discount
0	Neutral (new drivers)	Base rate
-1 to -4	Poor — surcharges apply	Higher premiums

Events That Affect DSR

Event	DSR Change
1 full year, no claims/violations	+1
At-fault accident	-4
Speeding ticket (major)	-3
Distracted driving	-3
Impaired driving	-4

Extension Coverage Options

Optional coverage is where you can shop around. SGI offers extension through their own product, and private insurers compete for this business.

Available Extension Coverage

Coverage	What It Covers
Collision	Damage to your car in an at-fault accident
Comprehensive	Theft, vandalism, hail, weather events
All perils	Combined collision and comprehensive
Specified perils	Named events only (cheaper)
Owner’s certificate	Increases third-party liability above $200,000

Increasing Your Liability

The $200,000 minimum is often insufficient. A single serious injury claim can far exceed this amount.

Liability Amount	Annual Cost Increase
$500,000	+$30–$60
$1,000,000	+$60–$100
$2,000,000	+$80–$120

How to Save on Saskatchewan Car Insurance

Key Savings Strategies

Strategy	Potential Saving
Improve your DSR over time	20–40% discount vs new driver
Raise collision deductible	$100–$300/year
Drop collision on older vehicles	$300–$600/year
Drive fewer kilometres	Minor reduction
Winter tires	Discount from some private insurers
Multi-vehicle discount	5–15%
Bundle home and auto	5–15%

When to Drop Collision

A common rule of thumb: if your vehicle is worth less than 10 times your annual collision premium, dropping collision may make more financial sense than paying for coverage.

Vehicle Value	Collision Premium	Recommendation
Under $5,000	$500+/year	Consider dropping
$5,000–$10,000	$400/year	Borderline
Over $10,000	$400/year	Keep it

Saskatchewan vs Other Provinces

Province	System	Average Annual
Ontario	Private	$1,900–$2,400
Alberta	Private (regulated)	$1,400–$1,900
Manitoba	MPI (public)	$1,200–$2,000
Saskatchewan	SGI (public)	$1,000–$1,500
New Brunswick	Private	$1,000–$1,300
Nova Scotia	Private	$1,100–$1,500
Quebec	Hybrid	$900–$1,400

Saskatchewan is among the most affordable provinces for car insurance, making it attractive for drivers frustrated with Ontario or BC rates.

Filing a Claim with SGI

Claim Process

Step	Action
1	Call SGI at 1-800-667-8015 or visit an SGI office
2	File a police report if required (theft, hit-and-run, injury)
3	Take vehicle to an SGI-approved repair facility
4	SGI assesses damage and authorizes repairs
5	Pay your deductible to the repair shop

Injury Claims

Injury claims are handled through the no-fault Auto Fund. File within 30 days of the accident and contact SGI’s accident benefits team for income replacement, medical, and rehabilitation support.