Car insurance in Saskatchewan. Here's what you need to know.

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In Saskatchewan, the provincial government is the sole supplier of car insurance, making it challenging to know whether you’re truly getting the best rates for car insurance in Saskatchewan. Car insurance is provided to drivers by the provincial government through Saskatchewan Government Insurance (SGI), a self-sustaining Crown corporation.

Because Saskatchewan automobile insurance is mostly supplied by the government, we are unable to provide car insurance quotes to Saskatchewan drivers at this time.

But there are steps you can take to ensure you get the lowest rate possible.

If you own a car in Saskatchewan, use the information below to help you along as you select your auto insurance policy.

What you need to know about auto insurance in Saskatchewan.

How to get car insurance in Saskatchewan

Saskatchewan has a government-run auto insurance system. That means drivers purchase their policy from a Crown corporation known as Saskatchewan Government Insurance (SGI). The government has provided car insurance to Saskatchewan drivers since 1945. The SGI sets car insurance prices centrally and is self-sustaining, meaning generating profits is not part of its mandate.

Basic car insurance coverage is known as “license plate insurance” in Saskatchewan. Plate insurance includes third-party liability coverage, personal injury benefits, as well as collision and comprehensive insurance coverage.

Drivers do not currently have the option to shop online for Saskatchewan auto insurance coverage on LowestRates.ca.

What factors determine auto insurance rates in Saskatchewan?

Car insurance rates in Saskatchewan are determined by a variety of factors:

  • Driving record.
  • Where you live.
  • Driving experience.
  • The type of vehicle you drive.
  • The use and location of your vehicle.
  • The amount of coverage you've selected.

How much is car insurance in Saskatchewan?

Car insurance prices in Saskatchewan are about $200 higher than the national average. That said, the cost of car insurance in Saskatchewan is still quite affordable when compared to provinces like Alberta, Ontario, B.C. and even Newfoundland and Labrador.

To get an estimate of what car insurance in Saskatchewan might cost you, visit the Saskatchewan Government Insurance’s (SGI) website. The SGI provides a car insurance calculator for Saskatchewan drivers.

Average auto insurance rates by province

ProvinceAverage Rates
Ontario$1,505
British Columbia$1,832
Alberta$1,316
Newfoundland & Labrador$1,168
Manitoba$1,140
Northwest Territories$978*
Nunavut$963*
Yukon$812*
Nova Scotia$891
Saskatchewan$1,235
New Brunswick$867
Prince Edward Island$816
Quebec$771

Source: Insurance Bureau of Canada, 2020, "BC - Better Auto Insurance."

*Source: Insurance Bureau of Canada, 2017

How can I get cheap auto insurance in Saskatchewan?

There are a couple of different strategies you can use to get affordable car insurance in Saskatchewan:

  • Pay your premiums on time.
  • Maintain a good driving history.
  • Take advantage of SGI's discounts.
  • Choose a vehicle that's less susceptible to theft.

The segment of drivers who pay the least for car insurance are people between 50 and 70 years old. Seniors in Saskatchewan pay less for car insurance because they have long insurance and driving histories.

There are three demographics that pay the highest car insurance rates in Saskatchewan.

  • New or young drivers pay a lot for car insurance in Saskatchewan.
  • Drivers who’ve been deemed high-risk pay a lot for car insurance in Saskatchewan.
  • New immigrants in Saskatchewan pay car insurance rates that are similar to new or young drivers simply because they don’t have a track record of driving in Canada.

It can be hard for new drivers in Saskatchewan to get cheap car insurance. Here are some suggestions on how new drivers in Saskatchewan can trim car insurance costs:

  • If you have recently immigrated to Saskatchewan but already have a history of holding car insurance, ask your old car insurance provider to vouch for you to your new insurance company.
  • Avoid getting your own car, if you can. Instead, opt to get listed as the secondary driver of a more experienced Saskatchewan driver. Insurance for secondary drivers costs less than it does for the primary driver.
  • For students in Saskatchewan, car insurance companies offer discounts to students who maintain a certain GPA. This applies to high school and post-secondary students.
  • Take a driver’s education course and make sure you get a certificate of completion. Showing that to an insurance company will lower your rate.

Is auto insurance required in Saskatchewan?

Yes. You're required to obtain a minimum mandatory level of insurance coverage from SGI.

What's the minimum requirement for auto insurance in Saskatchewan?

In Saskatchewan, third-party liability insurance and accident benefits coverage are mandatory. Drivers are required to carry $200,000 in liability coverage and at least $7-million for medical payments.

Drivers must also carry first-party all perils insurance, which is a combination of comprehensive and collision insurance.

Collision and comprehensive are optional coverages in the rest of Canada, but are mandatory in Saskatchewan, replacing Direct Compensation Property Damage coverage (DCPD), which entitles drivers to compensation if their car is damaged through no fault of their own by another driver.

All perils insurance will provide compensation if your car is damaged in a collision that you are at-fault for as well as any damage caused by storms, falling objects and theft. You are required to pay a deductible before you can receive your compensation and deductibles will vary according to the type of vehicle you're insuring.

Basic plate insurance in Saskatchewan includes coverage against uninsured motorists. However, if you are equally responsible for the collision, you will be required to pay the full deductible upfront; SGI will attempt to attempt to collect the other half from the uninsured driver and pay you back later on.

To recap, these are the coverages that are mandatory:

  • It’s mandatory to hold collision coverage in Saskatchewan (included in all-perils)
  • It’s mandatory to hold comprehensive coverage in Saskatchewan (included in all-perils)
  • It’s mandatory to hold third party liability insurance in Saskatchewan
  • It’s mandatory to hold accident benefits in Saskatchewan

In addition to vehicle repairs and property damage, what else will my auto insurance policy cover?

It depends on which type of insurance you choose. Saskatchewan drivers can choose between no-fault or tort coverage. The benefits vary as follows:

No-fault insurance coverage in Saskatchewan:

  • Accident benefits: Saskatchewan drivers can receive up to $6,382,084 per person.
  • Funeral expense benefits: $9,573.
  • Disability income benefits: 90% of net wages based on gross annual income maximum of $86,463/year.

Tort coverage in Saskatchewan:

  • Accident benefits: Saskatchewan drivers can receive up to $24,954 per person for non-catastrophic, up to $187,158 for catastrophic injury.
  • Funeral expense benefits: $6,239.
  • Disability income benefits: $376 per week if totally disabled for up to 2 years; $188 per week if partially disabled for up to 2 years; maximum $19,552 per year.

What kind of auto insurance system does Saskatchewan have?

Saskatchewan is a no-fault province. That means residents can opt-out of the Personal Injury Protection Plan (PIPP), or no-fault, in favour of a tort plan.

What are the penalties for driving without insurance in Saskatchewan?

If you're charged for driving without insurance in Saskatchewan, you have to pay a $1,000 fine (for your first or second offence). Your driver's licence may also be suspended. You can also be arrested if you're caught operating an unregistered vehicle, and your future insurance rates will likely rise.

What's the minimum legal driving age in Saskatchewan?

In Saskatchewan, you can begin the licensing process at 16. If you're enrolled in a high school driver education program, you can start at 15, but all drivers under 18 need consent from a parent or guardian. Then, to earn your learner's licence in Saskatchewan, you have to pass a vision test and a test that measures your knowledge of driving rules.

How do I get a novice 1 licence in Saskatchewan?

You have two options for obtaining your novice 1 licence:

  • You can complete a high school driver training program, which includes 30 hours in-class and 6 hours in-car.
  • Or you can complete commercial training, which includes 6 hours of in-class and 6 hours of in-car instruction from a driving school.
  • Drivers must then practice with a supervising driver for 9 months and follow a few rules: don't consume alcohol before driving or use a cellphone while behind the wheel (neither hand-held nor hands-free). Drivers must pass a road test to get their novice 1 licence.

How do I get a novice 2 licence in Saskatchewan?

To earn your novice 2 licence, you have to practice with your novice 1 licence for 6 months. While you're driving with your novice 1, you can have as many family members in your vehicles as there are seat belts, but you can only drive one non-family passenger. You also cannot consume alcohol or use a cellphone while behind the wheel. As long as you follow all of these rules, you'll receive your novice 2 licence in the mail.

How do I get a full licence in Saskatchewan?

To get your full licence in Saskatchewan, you have to practice driving for 12 months. You cannot consume alcohol, use your cellphone, or supervise another driver in the Graduated Driver's Licensing program during this time. To finally graduate to an experienced Class 5 driver's license, you also cannot have any at-fault collisions, traffic convictions, or licence suspensions during these 12 months.

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