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.
Matt Hands, Business Director, Insurance
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.
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Emergency roadside assistance
How much is car insurance in Regina?
The average cost of car insurance in Saskatchewan is roughly $1,200 per year, or just over $100 per month. Could you be paying less? Let's find out.
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Shop and compare
If you're buying a new car, research which cars have the best safety ratings and a low rate of collisions. Typically, minivans and trucks cost less than a sedan. Use IBC's CLEAR table to see how your car measures up.
Buy the right coverage
Your auto insurance in Regina doesn't need to include the optional coverage, but buy what's right for your budget and financial situation.
Invest in safety technology
A safer car with Automatic Emergency Braking (AEB) means you could save money, if not on insurance, certainly by avoiding an accident.
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. SGI uses a safety rating scale to determine their rates.
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.
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.
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Matt started his professional career at CARPROOF where he honed his marketing and analytical skills for over 3 years. Matt then took his wealth of experience to Ratehub.ca’s Toronto offices, working with insurance providers, agents, and brokers to grow and expand the Insurance business unit. He is a thought leader in the community and a valuable insurance resource to respected publications like the Globe & Mail, Toronto Star, Huffington Post, Yahoo News, and 680 news radio in Toronto.
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