have compared rates and saved money over the last 24 hours
Visit your province's government sanctioned insurance website to get an auto insurance quote.Get Quote
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.
have compared rates and saved money over the last 24 hours
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.
Compare the average Saskatchewan insurance rate to other provinces:
Yearly Rate 1
Yearly Rate 1
1 Insurance Bureau of Canada, BC - Better Auto Insurance (2020)
2 Insurance Bureau of Canada, (2017)
It's easy — if you know how. Here are some of the best ways to lower your auto insurance premiums:
We'll show you the most competitive rates from all the top insurers. Now you can compare quotes all in one place.
Avoiding extra frills in your policy and paying for only the coverage you need will lower your premiums.
Your driving record impacts your rate. Fewer infractions and fines equals cheaper insurance.
Prompt payments can save you money on late fees and lower your premiums. Insurers love a good customer.
Adding a house, motorcycle, RV, or other type of insurance policy to your car insurance plan can lower your rates.
Safety features like winter tires and alarm systems can help reduce your insurance premium.
Most auto insurance companies give special discounts to customers who stay with them for a number of years.
A defensive driving course makes you a better driver and can significantly reduce your car insurance premiums.
The math is clear: more experience on the road equals lower car insurance premiums. Young drivers almost universally pay higher rates for car insurance. While it’s difficult for new drivers to secure cheap car insurance rates, you may be able to lower your rates by maintaining good grades and attending driving school.
Where you drive affects your premiums. Some areas are associated with higher rates of car accidents and theft.
Cars with high crash-test scores, low theft ratings, and less powerful engines tend to have cheaper insurance rates.
With a usage-based car insurance policy, you can turn your low-risk driving habits into lower premiums.
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.
Car insurance rates in Saskatchewan are determined by a variety of factors:
Yes. You're required to obtain a minimum mandatory level of insurance coverage from SGI.
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 depends on which type of insurance you choose. Saskatchewan drivers can choose between no-fault or tort coverage. The benefits vary as follows:
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.
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.
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.
You have two options for obtaining your novice 1 licence:
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.
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.
About the Author
Alexandra Bosanac is the Core Content Manager for LowestRates.ca. Her reporting has appeared in Canadian Business, the Toronto Star, the National Post, and the CBC.
If you have a sneaking suspicion that everything is more expensive these days, you’re right. Canada’s inflation rate hit an 18-year high in October of last year, sending consumer prices soaring. So much so that the cost of living has increased by nearly 5%, according to Statistics Canada.