Compare Saskatchewan car insurance quotes

The average cost of car insurance in Saskatchewan is $1,235 per year, or just over $100 per month. 

Because you can't really shop and compare insurance costs, some quick wins would be to the following:

• Pay your premiums on time, every time. Pay annually if you can. 
• Keep a clean driving record free of violations. 
• Take advantage of any discounts SGI offers. 
• Buy a used vehicle (preferably one that is less susceptible to theft). 

Young drivers and new drivers pay the most for car insurance. Consider writing a letter into SGI asking for telematics insurance which tracks your driving behaviours. Or, ask your parents to be listed under their policy. 

If you're new to Canada, ask your old insurance company for a letter vouching for your experience, and supply it to SGI. 

If you're convicted of driving without insurance in Saskatchewan, there is a $1,000 fine, and your driver's licence could be suspended. Your insurance rates will likely rise. It's better to get the insurance and reduce your risk. 

Saskatchewan brought Uber into the province in June of 2018. Annual insurance for a personal vehicle may run around $1,000, a taxi or commercial vehicle is $5,000. SGI plans to use a sliding scale depending on how often the driver uses their car as a ridesharing service. Lyft does have plans to enter the province. Call SGI and inform them of your intentions otherwise you run the risk of voiding your insurance.

There are options with the basic AutoPak coverage. One of them is the decision between No-Fault and Tort injury coverage insurance. No Fault and Tort coverage includes funeral expenses, income benefits, and death benefits. With No-Fault there is a limited ability to sue another person or company for damages for which you’re not found responsible. With Tort coverage, you have the full ability to sue when you’re not found responsible. Tort coverage is very limited in its payouts. For instance, under No-fault coverage the funeral expense benefits are $9,573 and Tort pays out $6,239.

You can get out of the SDR Penalty zone after 3 back-to-back years. In Saskatchewan, the Safe Driver Recognition program rewards good drivers every year and penalizes risky drivers.

Everyone starts at 0 points which means you pay the base insurance premium. You gain a point for each year of incident-free driving moving you closer to the safety zone which gets you a discount on your car insurance. If you’re in the penalty zone, you’ll pay a financial penalty for each incident you’re responsible for.

If you want to remove a penalty from your record, you can appeal demerit points for collision within 90 days by contacting the Highway Traffic Board. If you wish to challenge a traffic conviction, you have to go through the court system.