
Saskatchewan Government Insurance, also known as SGI, is a crown corporation that provides auto insurance and other services to residents of Saskatchewan.
SGI offers a range of insurance products, including auto, home, and farm insurance. It's a one-stop shop for all your insurance needs.
SGI was established in 1945 to provide auto insurance to Saskatchewan drivers. This was a response to the growing number of vehicles on the road at the time.
SGI has a strong presence in the province, with 23 service centers and over 700 agents across Saskatchewan.
What is SGI?
SGI is a non-profit crown corporation created in 1945 to provide car insurance in Saskatchewan.
The provincial government operates SGI, making it a unique entity that serves the insurance needs of Saskatchewan residents.
SGI offers mandatory auto insurance for vehicle owners in Saskatchewan, which includes basic coverage like personal injury protection, liability insurance, collision, and comprehensive coverage.
What Is SGI?
SGI is a non-profit crown corporation that operates car insurance in Saskatchewan. It was created in 1945.

The provincial government operates SGI, which is a unique aspect of Saskatchewan's insurance system. This means that the government plays a direct role in regulating and overseeing the insurance industry.
SGI administers driver licensing and vehicle registration, making it a one-stop shop for all your driving needs. This can be a big time-saver and make it easier to keep track of your paperwork.
The Saskatchewan Auto Fund is the province's compulsory auto insurance program, which means that all drivers in Saskatchewan are required to have insurance. SGI sets insurance rates for the province, taking into account various factors such as driving history and location.
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Our Story
SGI has a rich history that dates back to 1945. The company was created by the first avowedly socialist government in North America, the Co-operative Commonwealth Federation, under Premier Tommy Douglas.
In 1945, Michael Allore, the first president, sold the first policy, Fire Policy Number 1, to Minister O. W. Valleau on May 1. This marked the beginning of SGI's journey.

By the end of 1945, SGI had 60 employees and a small network of private, independent insurance brokers located across the province selling insurance on behalf of the corporation. This rapid growth was a testament to the company's commitment to serving the people of Saskatchewan.
Here's a look at the leadership of SGI over the years:
SGI has come a long way since its inception in 1945. Today, the company continues to serve the people of Saskatchewan, providing them with the insurance they need to feel secure on the roads.
What is Insurance?
Insurance is a type of protection that helps you financially in case of unexpected events, like accidents or damages.
SGI offers mandatory auto insurance for vehicle owners in Saskatchewan, which includes basic coverage like personal injury protection and liability insurance.
You can also get lower deductibles for comprehensive and collision insurance with auto extension coverage in the province.
Higher liability limits are available with auto extension coverage, providing more protection in case of accidents.
SGI operates under the guidance of the Saskatchewan government, serving the insurance needs of Saskatchewan residents.
This means you can trust SGI to provide you with reliable and trustworthy insurance services.
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Auto Insurance Basics

In Saskatchewan, basic plate registration coverage is a must-have for vehicle owners. It includes mandatory insurance that comes with vehicle registration.
This coverage provides basic protection, including Third-Party Liability insurance, which covers bodily injury, property damage, or loss of income caused to others in an accident where the insured driver is at fault. The minimum coverage limit is $200,000, and more can be purchased with auto extension coverage.
Damage to your vehicle is also covered, including collision and non-collision incidents such as theft, vandalism, fire, and certain natural disasters. However, there's a deductible that the policyholder must pay out-of-pocket before insurance coverage kicks in.
Here's a breakdown of the key components of basic plate registration coverage:
- Third-Party Liability insurance
- Accident Benefits (medical and rehabilitation expenses, funeral expenses, and death benefits)
- Damage to your vehicle (collision and non-collision incidents)
Basic Auto vs. Pak
Basic auto insurance is the minimum amount of coverage required to drive in the province. It's a good starting point, but it's not enough to fully protect yourself and your assets.
The Basic plate insurance policy can be supplemented with SGI CANADA's Auto Pak, also known as auto extension coverage. This allows you to increase your Third-Party Liability coverage from $200k to up to $5 million.

A higher liability coverage can give you peace of mind while driving, especially if you have a lot to lose. With Auto Pak, you can also opt for a lower deductible, which means you'll pay less out of pocket in the event of a claim.
Family Security is another coverage option available with Auto Pak. It's a good idea to learn more about this coverage and how it can benefit you.
Learn About Auto
Saskatchewan is a province in the heart of the prairies, known as the "Land of the Living Skies". Most people rely on vehicles to get around, even in larger towns like Regina and Saskatoon.
Car insurance is an essential part of your transportation budget in Saskatchewan. The good news is that auto insurance is much more affordable in Saskatchewan than in other provinces.
With just over 1 million residents, the province has fewer people, less traffic, and more open roads than in other regions. This contributes to lower insurance costs.
Enhanced Coverage and Benefits
If you're the type who likes to have extra peace of mind, you'll want to consider enhanced coverage options for your auto insurance policy. Collision coverage can safeguard against accidents, whether it's a fender bender or a more serious collision.
Comprehensive coverage protects against a range of risks, including fire, theft, vandalism, and even hailstorms. You can also opt for extra liability and lower deductibles with SGI CANADA Auto Pak or Sandbox's Extended Auto Policy.
For those who want the full package, consider SGI CANADA Auto Pak or Sandbox's Extended Auto Policy, which offers extra liability and lower deductibles.
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Enhanced Coverage and Benefits
If you're the type who likes to be prepared, you can opt for collision coverage to safeguard against unexpected accidents. This type of coverage can help protect you financially in case of a collision with another vehicle or an object.
Comprehensive coverage is another option that can shield you against damage caused by fire, theft, vandalism, and even hailstorms. Saskatchewan's unpredictable weather can be a challenge, but with this coverage, you'll have peace of mind.
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For those who want the full package, SGI CANADA Auto Pak or Sandbox's Extended Auto Policy offers extra liability and lower deductibles. This can provide a sense of security and financial protection.
You can also consider glass coverage, which can help repair or replace damaged glass on your vehicle. Additionally, some policies may offer rental vehicle coverage during repairs, so you're not left without a car.
Another option is replacement cost coverage, which ensures that you get the full value of your vehicle in case of a loss. Some policies may even offer a 2-year extension on this coverage, giving you more time to replace your vehicle.
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Safe Driver Recognition Program
The Safe Driver Recognition Program is a great way to earn discounts on your insurance while staying safe on the road. You'll be rewarded for accident-free driving, and the longer you go without an incident, the more you'll save.
For every year you drive incident-free, you'll earn a safety rating point, which gives you 2% off your basic insurance. This is a great incentive to keep your driving record clean.
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If you reach the Great Driver Zone, you'll get a 20% discount on your basic insurance, plus a cushion to protect you from losing part or all of your discount. This is a fantastic safety net for drivers who have a proven track record of safe driving.
Here's a breakdown of the available discounts using the Safe Driver Program:
- Neutral Zone (0 points): No discount.
- Good Driver Zone (+1 to +10): 2% off your basic insurance for each year you drive incident-free.
- Great Driver Zone (+11 to +20): 20% discount on your basic insurance, plus a cushion to protect you from losing part or all of your discount.
- Safest Driver Zone (+20 to +25): 20% discount for 20 years of accident-free driving, with an extra 1% discount for each additional year up to 25%.
Car Ownership and Registration
To register a vehicle in Saskatchewan, you'll need to pay a flat fee and receive a basic insurance package on your plates. This package covers damage, personal injury, and liability.
You'll also need to consider mandatory collision insurance and comprehensive insurance, which are unique to Saskatchewan and designed to replace Direct Compensation Property Damage (DCPD) coverage.
Purchasing a vehicle in Saskatchewan requires a one-stop registration process, where you'll get your plates and insurance all at once.
What Is Basic Plate Registration Coverage?
Basic plate registration coverage is a must-have for vehicle owners in Saskatchewan. It's a type of insurance that comes with vehicle registration and provides basic protection for drivers.

This coverage includes third-party liability insurance, which covers bodily injury, property damage, or loss of income caused to others in an accident where the insured driver is at fault. The minimum coverage limit is $200,000, but more can be purchased with auto extension coverage.
One of the key benefits of basic plate registration coverage is that it provides benefits regardless of who is at fault in an accident. This means that even if you're not found liable, you'll still receive coverage for medical expenses, rehabilitation costs, and income replacement if you're unable to work due to injuries sustained in an accident.
Here's a breakdown of the key components of basic plate registration coverage:
It's essential to understand that basic plate registration coverage includes a deductible that the policyholder must pay out-of-pocket before insurance coverage kicks in. This is something to keep in mind when considering your coverage options.
Key Takeaways About Cars
Saskatchewan car insurance rates are higher than the Canadian average, but still relatively affordable compared to other provinces.
You can get basic coverage through Saskatchewan Government Insurance (SGI), which is a great option for those on a tight budget.
Mandatory Auto Fund coverage is a must-have for all vehicles in Saskatchewan, and you can get additional optional coverage through private insurers.
Here's a breakdown of the mandatory coverage:
- $200,000 in third-party liability
- All perils insurance for damage to your automobile (includes collision and comprehensive)
- $7 million in personal injury insurance from a collision
- Liability insurance for damage your car causes to other vehicles, property, or personal injury
- A $700 deductible
These are the basics of car insurance in Saskatchewan, and understanding them can help you make informed decisions about your coverage.
Renewing and Managing Policy
Renewing and managing your policy with Saskatchewan Government Insurance (SGI) is a straightforward process. You can renew your policy online, by phone, or by mail.
To renew your policy online, you'll need to log in to your SGI account and follow the prompts. Make sure you have your policy number and other required information handy.
Renewing your policy typically takes just a few minutes, and you can pay your premium online by credit card or bank transfer.
Mandatory Car

Renewing and managing your policy in Saskatchewan involves understanding the mandatory car insurance requirements. You must purchase all mandatory coverage from Saskatchewan Government Insurance (SGI), also known as the "Auto Fund".
You'll pay a flat fee when registering your vehicle, which includes a basic insurance package on your plates. This package covers damage, personal injury, and liability.
The basic plate insurance will cost you $200,000 in third-party liability and $7 million in personal injury insurance from a collision. It also includes all perils insurance for damage to your automobile, which includes collision and comprehensive coverage.
The deductible for basic coverage is $700. You'll find this information on your policy documents when you register your vehicle.
Here's a breakdown of what's included in the basic plate coverage:
- $200,000 in third-party liability
- All perils insurance for damage to your automobile (includes collision and comprehensive)
- $7 million in personal injury insurance from a collision
- Liability insurance for damage your car causes to other vehicles, property, or personal injury
- Basic coverage includes a $700 deductible
Renewing Simplified with MySGI
MySGI is an online platform that makes renewing your plate insurance or SGI CANADA policy a breeze. It's available 24/7, allowing you to renew from the comfort of your own home.
You can use MySGI to renew Saskatchewan vehicle registrations, reprint registration certificates, update contact info, or cancel registrations.
Understanding Car Insurance Rates

Saskatchewan car insurance rates are determined by a unique system that aims to keep rates affordable for all drivers.
The Saskatchewan Auto Fund operates based on the principle that all drivers are equal unless they have a poor driving history. This means that the province doesn't consider a driver's age or gender when setting insurance premiums.
The province uses the Canadian Loss Experience Rating (CLEAR) system to adjust insurance prices annually. This system determines the likelihood of vehicle claims and resulting repairs.
In Saskatchewan, you can expect your car insurance rates to be influenced by your driving record and experience, the type of vehicle you drive, and how you use your automobile.
Here are some factors that can impact your car insurance rates in Saskatchewan:
- Driving record and experience
- Type of vehicle you drive
- Automobile use
- Coverage you choose
The province also uses a Safety Rating Scale to encourage drivers to stay accident-free and promote safe driving habits. This can help lower your insurance rates over time.
By understanding how car insurance rates are determined in Saskatchewan, you can make informed decisions about your coverage and potentially save money on your premiums.
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No-Fault Insurance

Saskatchewan has a no-fault insurance system, which means you deal with your insurer regardless of who is at-fault for a collision.
This system provides various benefits to policyholders, including medical payments, funeral expense benefits, and disability income benefits.
Medical payments can cover up to $8,225,842 per person, while funeral expense benefits are capped at $12,336.
Disability income benefits can provide up to 90% of net wages, based on a maximum gross annual income of $110,914.
In Saskatchewan, you can renew your car insurance policy online through the MySGI portal, or visit a motor licence issuer to complete a renewal form and expiring vehicle registration.
Here are the key benefits of no-fault insurance in Saskatchewan:
Comparing Coverage Options
You can use the Saskatchewan car insurance calculator on the SGI website to estimate insurance costs.
To complete a quote, you'll need to provide some basic information, including your vehicle's registration start date, make, model, year, and use, as well as your registration class and safety rating.

The calculator will provide an estimate for insurance and registration costs, and you'll also be able to set your insurance payment terms.
A vehicle registration and insurance rate calculator allows you to compare different options and find the best fit for your needs.
Here are the details you'll need to provide for a quote:
- Registration start date
- Vehicle make, model, year, use
- Registration class
- Your safety rating
By using the SGI insurance calculator, you can get a clear picture of the costs involved and make an informed decision about your insurance coverage.
Frequently Asked Questions
What is the difference between SGI and SGI Canada?
SGI is the parent company, while SGI CANADA is its property and casualty insurance division, operating through independent brokers. SGI Canada offers specific insurance products, distinct from SGI's overall services.
Do you have to use SGI in Saskatchewan?
In Saskatchewan, vehicle owners are required to purchase auto insurance through SGI, which provides mandatory coverage for liability, collision, and comprehensive damage. SGI is the only provider of mandatory auto insurance in the province.
Does Saskatchewan have provincial auto insurance?
Yes, Saskatchewan has mandatory auto insurance, which is administered by Saskatchewan Government Insurance (SGI) through the Saskatchewan Auto Fund. This insurance typically includes third party liability protection, auto damage coverage, and personal injury coverage up to $200,000.
Sources
- https://en.wikipedia.org/wiki/Saskatchewan_Government_Insurance
- https://www.westlandinsurance.ca/news/auto-insurance-in-saskatchewan-your-ultimate-guide/
- https://www.saskhistory.ca/saskatchewan-government-insurance/
- https://www.thinkinsure.ca/car-insurance/saskatchewan.php
- https://regina.ctvnews.ca/sask-police-suspend-316-impaired-drivers-in-april-sgi-1.6907327
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