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How car insurance coverage works in Saskatchewan

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. There is also optional, and highly recommended, coverage available through SGI, private insurance brokerages, and directly from insurance companies (i.e. Aviva Canada). For instance, 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 either through SGI or a private insurer. Be sure to view the table below for more explicit details.

Here is an overview of the available car insurance coverages in Saskatchewan:

Coverage Description
Public Insurance

Basic auto insurance coverage provided by the Provincial government. This generally includes liability, accident benefits and uninsured motorist coverage.

Available: Yes
Required: Yes

Private Insurance

Auto insurance policies created & sold by private insurance carriers. Though these carriers must still abide by Federal and Provincial regulations.

Available: Yes
Required: No

No-fault insurance

Having no-fault insurance doesn’t mean you can’t be found at fault. This coverage means you must first deal with your own insurance company for all claims, whether you’re at fault or not. But, Saskatchewan will allow a no-fault driver to sue an at-fault driver for costs that are not covered by their accident benefits. In Saskatchewan drivers can opt for a tort system instead of a no-fault system that includes lower accident benefits and will allow a driver to sue an at-fault driver for pain and suffering and excess accident benefit costs.

Available: Yes
Required: No

Third-party Liability Insurance

Protects against damage caused by you while driving and includes injury and death to others and property damage. This is the only insurance coverage that is mandatory across Canada. Minimum coverage for Saskatchewan is $200,000.

Available: Yes
Required: Yes

Accident Benefits

Covers your medical benefits if you’re injured in a crash, whether you’re at fault or not. The coverage includes your medical costs, while also paying for additional recovery costs, such as rehab, income replacement, and payment for and attendant care, if needed.

Available: Yes
Required: Yes

Direct Compensation-Property Damage (DCPD)

Covers damage to your vehicle and its contents, and for the loss of use of your vehicle when damaged – if another person was at fault. This coverage only applies if the crash occurs in a province where DCPD is mandatory, if two or more insured vehicles are involved, and if both insurers are licensed within that DCPD province.

Available: No
Required: No

Uninsured Motorist

Uninsured motorist coverage protects against injuries you and your family members sustain in a crash caused by an uninsured motorist. It can also cover your vehicle damages, if the uninsured driver is able to be identified.

Available: Yes
Required: Yes

Collision Insurance

Protects against damages sustained in a collision. This insurance covers you if your car is damaged in a crash – in both cases whether you crash into another other car or whether you crash into a stationary object.

Available: Yes
Required: Yes

Comprehensive Insurance

Protects against any losses a car owner may suffer, from events not related to driving. Such losses could include theft or damage from attempted theft; vandalism; environmental damage to a car from floods, fallen trees, and hail, etc.

Available: Yes
Required: Yes

Specified Perils

Covers your financial losses for damage caused specific perils – but only for perils chosen specifically for your policy. Available coverages are for theft; fire; damage from hail, lightning, wind, or flooding; earthquakes; explosions; riots; aircraft crash damage; and damage sustained during any transportation relocation.

Available: Yes
Required: No

All Perils

This combines the coverages you get with collision and comprehensive insurance. Additionally, all-perils also covers you if an employee, or someone who drives or services your car, steals it. It also covers you if someone you live with steals your vehicle.

Available: Yes
Required: No

Emergency roadside assistance

This service covers you for roadside callouts for emergencies such as dead batteries, towing, flat tires, keys locked in your car, empty gas tank, etcetera. Many insurance companies offer roadside assistance either included or in addition to other coverages.

Available: Yes
Required: No

*Table information sourced from (2017)

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.

Average Car Insurance Rate Change By Year

*Information and data sourced from

Factors that impact your Saskatchewan car insurance rates

It pays to shop around to find your best car insurance rate. Even though a Saskatchewan auto insurance application is standardized, you may find that private auto insurers offer different rates based on their existing users, the volume of claims currently on their books, and their own tolerance for risk.

Here are six factors auto insurance companies consider in Saskatchewan:

How to get cheap car insurance in Saskatchewan?

If you’re trying to lower your monthly cost of auto insurance, we recommend speaking with your broker, agent, or private insurer to see what options are available. Also, make sure to check CLEAR table provided by the SGI to see how much your car costs ahead of its purchase. As well, if you’ve previously held insurance in another jurisdiction you may be able to apply for additional discounts. Here are some more tips to help you save:

Shop and compare

Research which car insurance company provides the best value for you and your vehicle. In Saskatchewan, rates change four times a year, but lucky for you comparing rates with us is free.

Stay with your current insurer

Some 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.

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.

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.

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.

Ask about discounts

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

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.

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.

Install winter tires

You can save up to 5% simply by adding winter tires to your car. With winter driving conditions being so treacherous throughout Saskatchewan it pays to be safe!

Keep track of your driving

You can even install a telematics device to collect driving data. With user-based insurance (UBI) you can earn discounts based on not driving far or often, and on advanced stats like how carefully you brake and accelerate.

Take a course

If you’re new to driving, a driver’s education course will save money. Your car insurance provider will think of you as a safer driver if you’ve been trained by professionals.

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 licenced 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:

  • Must be 15 years old and enrolled in a high school driver education program or be at least 16 years old

  • Parental consent required until age 18

  • Provide proof of legal name, date of birth, and signature. (e.g. Passport, birth certificate)

  • Get an SGI customer number and create a MySGI account online

  • Pass a vision test

  • Pass a written knowledge test about the rules of the road

  • Pass a test about traffic signs of the road

  • Pay the associated written test fees

  • Can’t consume alcohol and drive

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

  • Must be at least 16 years old with parental consent

  • Complete 9 months with a Class 7 learner’s licence

  • Complete mandatory driver education

  • Pass a road test

  • Pay an administrative fee

  • Can’t consume alcohol and drive

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

  • Complete 6 months as a Novice 1 driver

  • Receive Novice 2 Driver in mail

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

  • Complete 12 consecutive months of incident-driving as a Novice 2 Driver

  • Aren’t responsible for a collision

  • Don’t have traffic convictions or licence suspensions

  • Completed the GDL program

  • Receive Class 5 driver’s licence in the mail

Frequently Asked Questions about Saskatchewan auto insurance

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