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

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With endless horizons and miles of two-lane blacktop, driving in Saskatchewan brings a new meaning to the term "open road". But getting behind the wheel in this land of big skies has its drawbacks too — like big insurance premiums.

In fact, Saskatchewan drivers get charged some of the highest rates in all of Canada. If you own a car in Saskatchewan, use the key information below to help you along as you select your auto insurance policy.

What you need to know about auto insurance in Saskatchewan.

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Who sets auto insurance rates in Saskatchewan?

Unlike most provinces, Saskatchewan has a government-run auto insurance market. That means drivers purchase their policy from a Crown corporation known as Saskatchewan Government Insurance (SGI). Since 1945, Saskatchewan drivers have had very little choice on where they buy their main auto insurance policy. If they don't like their premiums or their coverage, they can't shop around or switch insurance companies. The SGI sets car insurance prices centrally.

What factors determine auto insurance rates in Saskatchewan?

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

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

How do Saskatchewan auto insurance rates compare to other provinces?

Premiums in the Saskatchewan auto insurance market are about $200 higher than the national average — still competitive relative to provinces like Alberta, Ontario, B.C. and even Newfoundland and Labrador.

Average auto insurance rates by province

ProvinceAverage Rates
British Columbia$1,832
Newfoundland & Labrador$1,168
Northwest Territories$978*
Nova Scotia$891
New Brunswick$867
Prince Edward Island$816

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 cheap 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.

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?

Saskatchewan residents are required to carry $200,000 in third-party liability insurance. Drivers are also required to carry first-party all perils insurance, but deductibles will vary according to the type of vehicle you're insuring.

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 coverage:

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

Tort coverage:

  • Medical payments: 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 offense). 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 rules of the road test.

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 seatbelts, 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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