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How car insurance coverage works in Saskatoon

Saskatoon is the most populated city in Saskatchewan. It’s a great midway point between Winnipeg and Edmonton on Highway the 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 bears some historical resemblance in the way in which it was built and thus earned 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.

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 Saskatoon:

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, Saskatoon will allow a no-fault driver to sue an at-fault driver for costs that are not covered by their accident benefits. In Saskatoon 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 Saskatoon 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)

Factors that impact your Saskatoon car insurance rates

It pays to shop around to find your best car insurance rate. Even though a Saskatoon 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. All these conditions are just some of the decision criteria that are factored into an insurance calculation for Saskatoon drivers. Insurance companies also want to understand who you are as a driver, so they will look into your type of driver’s license and how long you’ve had it, your daily commute, as well as any at-fault collisions, traffic tickets or moving violations currently still on your record. Insurance calculations are complex, and no two companies use the same weighted criteria, but overall here are the factors that determine the rate you will receive from a Saskatoon car insurer.

Here are six factors auto insurance companies consider in Saskatoon:

How to get cheap car insurance in Saskatoon?

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 Saskatoon, 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 Saskatoon 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.

Frequently Asked Questions about Saskatoon auto insurance

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