In Saskatchewan, mandatory auto insurance is provided through SGI, Saskatchewan Government Insurance, a Crown corporation that has operated the province's auto insurance program since 1945.
Every registered vehicle in Saskatchewan must carry SGI’s basic plate insurance. There is no shopping around for that portion of your coverage. The mandatory basics are set by SGI regardless of which broker you use.
What does vary is how you navigate the system and what optional coverage you build on top of it. InsureLine is an authorized SGI broker, which means we handle your plate renewal, help you understand your mandatory coverage, and ensure your optional coverage accurately reflects your situation.
Saskatchewan's mandatory coverage is made up of three core components, plus a decision that most drivers don't know they have to make.
Even in a public insurance province like Saskatchewan, your coverage is not one-size-fits-all. The basic plate covers the mandatory foundation, but the optional coverage you build on top of it should reflect how you actually drive, what you drive, and what you can afford to absorb if something goes wrong.
A few quick tips for Saskatchewan drivers:
Know which injury system you are on. Most Saskatchewan drivers are on no-fault by default. If you have not actively chosen the tort option, you are probably on the no-fault model. It is worth understanding the difference before you need to make a claim.
Consider raising your liability limit. The $200,000 mandatory minimum is a legal floor, not a recommendation. The cost to increase it is modest, but the protection it adds is significant.
Review your deductible. Many drivers set a deductible when they first register and never revisit it. A quick conversation with your InsureLine broker can confirm whether your current deductible still makes sense for your situation.
Ask about bundling. Combining your optional auto and home coverage with the same insurer can reduce your overall costs.
Talk to your InsureLine advisor to make sure your coverage reflects your actual situation, because the right optional coverage on top of your SGI basics makes all the difference. We're 100 percent Canadian. We're local. And we've got you covered.
Raising your liability limit above the mandatory $200,000 is one of the most practical things you can do. A serious accident with significant injuries or property damage can easily exceed the minimum, and you are personally responsible for costs beyond your coverage limit.
The basic plan comes with a standard deductible on collision and comprehensive portions. Optional coverage lets you reduce that deductible so your out-of-pocket costs are lower if you need to make a claim.
Covers damage to your vehicle from a collision with another vehicle or object, including rollovers. Without this, at-fault accident repairs come out of your pocket.
Covers damage that is not the result of a collision, including theft, fire, vandalism, hail, and weather events.
A narrower version of comprehensive that covers a defined list of specific events rather than all non-collision losses. Can be a cost-effective option for older vehicles.
Covers transportation costs while your vehicle is being repaired after a covered claim.
If you own a home, combining your optional auto coverage with your home insurance policy can save you money on both. An InsureLine broker can look at your full picture and find the most cost-effective way to structure your coverage.
Unlike private insurers in other provinces, SGI does not use age or gender as rating factors. Your premium is based primarily on your driving record, the vehicle you drive, and how you use it.
This means that a new driver in Saskatchewan is not automatically penalized, as they might be in a private insurance province, simply for being young. What matters is your actual record behind the wheel. A clean driving history is still the most effective way to keep your premium in a comfortable place over time.
Electric vehicle adoption is happening in Saskatchewan and the SGI system accommodates EV coverage, but battery replacement, charging equipment, and the higher repair costs associated with EV technology are worth factoring into your optional coverage decisions.
InsureLine's brokers are up to speed on what Saskatchewan EV owners need from their policy, so you are not left with gaps in coverage just because your car charges instead of fills up.
Note: Tort, not tart. We feel bad about that too.
Saskatchewan is the only province in Canada that gives drivers a choice between a no-fault injury system and a tort system.
Most drivers are enrolled in no-fault by default and never realize the tort option exists. It is worth understanding which system you are on and whether it suits your situation. An InsureLine broker can walk you through the difference. Give us a shout today!
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