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Compare Saskatchewan car insurance quotes

Everything you need to know about how Saskatchewan car insurance works.

How Saskatchewan car insurance works

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

In Saskatchewan, the default is no-fault insurance, 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 Saskatchewan

  • 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 Saskatchewan 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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Historical Saskatchewan auto insurance rates

Saskatchewan is home to a mandatory vehicle registration and insurance program, the Saskatchewan Auto Fund. The Saskatchewan Auto Fund believes that all drivers are equal unless their driving history shows they are a greater risk on the road.

Saskatchewan does not use a driver’s age and gender to determine the car insurance premium and SGI believes it keeps their rates affordable.

Between 2010 and 2016, Saskatchewan experienced approximately a +6% rate increase on average for car insurance. As of 2017, Saskatchewan started using the Canadian Loss Experience Automobile Rating (CLEAR) to adjust the prices annually. The CLEAR table is used to determine the likelihood of a vehicle being in a claim and the cost to repair those claims. This has led to minor rate changes over the past two years.

The historical rate changes shown below are based on all the drivers insured each year by the SGI.

Saskatchewan insurance rate changes


Mandatory coverage for auto insurance in Saskatchewan

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

Third-party liability

Accident benefits

Uninsured motorist

Are you getting the best price for Saskatchewan auto insurance?

In less than five minutes, you can compare multiple car insurance quotes from Saskatchewan's top providers, for free.

Optional car insurance coverage in Saskatchewan

You can personalize your coverage with these common additions that protect your car.

Collision insurance

Comprehensive insurance

Emergency roadside assistance

Specified perils

All perils

How to get cheap car insurance in Saskatchewan

  1. Shop and compare

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

  2. Stay with your current insurer

    Some Saskatchewan auto 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.

  6. Ask about discounts

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

  7. 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.

  8. 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.

  9. Install winter tires

    You can save up to 5% simply by adding winter tires to your car. Unless you're in Quebec, where it's mandatory.

How to get an Saskatchewan driver's licence

Saskatchewan puts new drivers through a graduated driver licensing (GDL) program requiring each driver to progress through an educational program in order to be considered a fully licensed driver. If you are moving to Saskatchewan and you have an existing driver’s license, you have 90 days to switch your valid out of province license to a Saskatchewan driver’s license. You can read more about how to transfer a driver’s license to Saskatchewan on the SGI website.

Class 7 learner's licence (or level one) eligibility criteria:

Class 5 Novice 1 Driver licence (or level two) eligibility criteria:

Class 5 Novice 2 Driver licence (or level three) eligibility criteria:

Class 5 Driver's licence (full license) eligibility criteria:

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Frequently asked questions about Saskatchewan auto insurance

How much is car insurance in Saskatchewan?

How do I save on car insurance in Saskatchewan?

What happens if I drive without insurance in Saskatchewan?

Does my insurance cover me if I drive for Uber/Lyft?

What are the differences between No-Fault and Tort insurance?

How long do driving offences last on my record in Saskatchewan?

Author Bio

Matt Hands, Business Director of Insurance

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’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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