Skip to main content
Ratehub logo
Ratehub logo

Saskatoon car insurance

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

get more info

How car insurance in Saskatoon works

Matt Hands

Saskatoon is the most populated city in Saskatchewan. It’s a great midway point between Winnipeg and Edmonton on the highway that caresses the north-eastern side of the city. Saskatoon is named after the sweet, violet-coloured Saskatoon berries that grow in the region. Saskatoon is a city known for its cuisine and has some historical resemblance in how it was built and thus earning it the nickname, the "Paris of the Prairies."

At, we help the people of Saskatoon shop for the best car insurance rates in just minutes to suit their budget and preferences. 

Saskatoon drivers typically use 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 Saskatoon

  • 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 Saskatoon 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. 

A few things we're proud of

  • 1,200,000

    monthly users

  • 11 years


  • Over 1M

    better choices made

  • Trusted partner

    to Canada’s top financial institutions

Mandatory coverage for auto insurance in Saskatoon

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

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.

Optional coverage for auto insurance in Saskatoon

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

How much is car insurance in Saskatoon?

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.

Factors that impact your Saskatoon car insurance rates

To find cheap car insurance in Saskatoon, 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 Saskatoon:

Driver demographics

Where you live

Vehicle type

Driving history

Driving activity

Type of insurance coverage

Applicable discounts

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.

How to get cheap car insurance in Saskatoon

  1. 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.

  2. Buy the right coverage

    Your auto insurance in Saskatoon doesn't need to include the optional coverage, but buy what's right for your budget and financial situation.

  3. 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.

  4. 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.

  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. 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.


Frequently asked questions about car insurance in Saskatoon

What are the best insurance companies in Saskatoon?

Do I need personal insurance to drive with Enterprise CarShare?

What is usage-based insurance?

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.

read linkedin bio

The knowledge bank

A wealth of knowledge delivered right to your inbox.

By submitting your email address, you acknowledge and agree to’s Terms of Use and Privacy Policy. Contact us for more information. You can unsubscribe at any time.


Whether you need a mortgage, credit card, savings account, or insurance coverage, we help you find and compare the best financial products for your specific needs.

When it comes to mortgages, is more than just a place to research and compare the best rates. Our goal is to give Canadians the best mortgage experience from online search to close. This means offering Canadians the mortgage tools, information and articles to educate themselves, allowing them to get personalized rate quotes from multiple lenders to compare rates instantly, and providing them with the best online application and offline customer service to close their mortgage all in one place. has been named Canada's Mortgage Brokerage of the Year for four years straight (2018-2021). With over 12 years of mortgage experience, and over $11 billion in mortgages funded, we deliver you the best mortgage experience in Canada.

How does make money?

Financial institutions pay us for connecting them with customers. This could be through advertisements, or when someone applies or is approved for a product. However, not all products we list are tied to compensation for us. Our industry-leading education centres and calculators are available 24/7, free of charge, and with no obligation to purchase. To learn more, visit our About us page.

read more about us