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Regina car insurance

Everything you need to know about how Regina car insurance works. Find out how to customize your policy and uncover the savings.

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How car insurance in Regina works

Regina is the capital of Saskatchewan and the second most populated city in the province. It’s a great midway point between Winnipeg and Calgary on the Trans-Canada Highway which caresses the eastern side of the city.

Car insurance is a requirement across Canada and each province has their own coverage requirements. For drivers in Regina, auto insurance is provided through Saskatchewan Government Insurance (SGI), a crown corporation, which provides basic “plate” insurance.

Regina typically uses a no-fault insurance system, which means you'll only ever deal with your insurance company, regardless of who is at fault. 

However, you can opt for Tort coverage instead which allows you to sue the at-fault driver for damages beyond what is included in the standard coverage. Tort means you also opt out of the Personal Injury Protection Plan (PIPP).

Mandatory car insurance in Regina

  • Third-party liability - in case you injure someone or damage someone else's property (e.g. car) 
  • Accident benefits  - Pays for injuries as a result of a traffic accident
  • Uninsured automobile - If the other at-fault driver has no insurance, this covers your costs. 

Optional Regina insurance

The mandatory third-party liability coverage through SGI has a minimum limit of $200,000, but each driver has the option to increase their liability coverage up to $5 million.  You can also increase your accident benefits. Though SGI is the sole provider of basic insurance in the province, you can still buy optional coverage from car insurance companies like CAA, Wawanesa, or RSA. 

You can also add the following

  • Collision - protects your personal car if you're at fault in an accident
  • Comprehensive - protects your car from risks such as hail, fire, theft, wind or lightning. 
  • All Perils  - a combination of collision and comprehensive. 

If you're at fault in a collision, you'll have to pay the standard plate insurance deductible of $700 before SGI pays the rest. 

Mandatory coverage for auto insurance in Regina

Mandatory insurance is mostly about protecting you from damage you may cause to others and their property. Protecting you personal car is available with optional coverages.

Third-party liability

Accident benefits

Uninsured motorist

Optional coverage for auto insurance in Regina

The below coverages are optional, unless you lease your car and your lessor requires them. Typically, new cars will get the optional coverages.

Collision insurance


Emergency roadside assistance

Specified perils

All perils

Did you know?

Your first distracted driving ticket will cost you $580 and four demerit points. Discover more about what distracted driving is and how it could affect your rates.

Factors that impact your Regina car insurance rates

To find cheap car insurance in Regina, you have to know how it works. Even though an insurance application is reasonably standard, you will find several factors beyond your control that impact a risk tolerance calculation, like if you live in an area with higher than average levels of insurance fraud. Here are seven factors SGI considers before offering personal car insurance in Regina:

Driver demographics

Where you live

Vehicle type

Driving history

Driving activity

Type of insurance coverage

Applicable discounts

How to get cheap car insurance in Regina

  1. Shop and compare

    Research which company provides cheap car insurance in Regina, and also the best value for you and your vehicle. Rates may change up to four times a year, but lucky for you comparing Regina car insurance quotes with us is free.

  2. Stay with your current insurer

    Some Regina car insurance companies will give loyalty discounts to drivers who remain active with them for years. Especially if they add family members or multiple vehicles to their policy.

  3. Bundle your policies

    If you use the same insurance company for both your home and auto insurance needs, your insurer will often thank you with a dip in premiums.

  4. Get a multi car discount

    If you have multiple drivers and vehicles in the same household, by putting them all on one policy can save you money.

  5. Increase your deductible

    Your deductible is the portion you pay when settling a claim before your insurer will pay the rest. If you’re willing to double your deductible, it could save you money.

  1. Ask about discounts

    If you’re a member of a large corporation, union, or a school alumnus, it could help you get cheaper Regina car insurance.

  2. Pay premiums annually, instead of monthly

    Paying monthly adds administrative costs to your insurer, so if you’re able to pay in full annually you can lower your premiums.

  3. Maintain a good driving record

    If you’re a safe driver, obey the rules of the road and drive according to road conditions you can reduce your chances of an accident. Car crashes stay on your insurance record for up to ten years and can result in higher premiums.

  4. Install winter tires

    You can save up to 3-5% simply by adding winter tires to your car.

Curious how much you could save on home insurance?

In less than 5 minutes, compare home insurance quotes from {SK}’s top insurers to see how much you could save.

Frequently asked questions about car insurance in Regina

How much is car insurance in Regina?

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Matt Hands, Business Director of Insurance

With 6+ years of experience at, Matt’s focus has been on growing its newest business unit, Insurance. He is a thought leader and a valuable resource to respected publications across Canada. read full bio

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