Car Insurance – Saskatchewan
Looking for the best car insurance in Saskatchewan? You’ve come to the right place. At Westland Insurance, we make finding the perfect auto coverage quick and easy. Whether you’re a new driver or looking to renew, we’ll help you navigate car insurance in Saskatchewan and get you the right policy for peace of mind.
With local insurance experts ready to help, protecting yourself on the road has never been simpler. Start your Saskatchewan car insurance quote today!
Car insurance in Saskatchewan, explained
Basic plate coverage is mandatory coverage for all vehicles in Saskatchewan and is provided through Saskatchewan Government Insurance (SGI). It provides financial protection for the following:
- Coverage for your vehicle when it comes to physical damage
- Third–Party Liability for damage to other vehicles, property or injury to others
- Personal injury coverage if an injury results from a vehicle collision
A basic plate will encompass mandatory coverages. We recommend increasing coverage with the optional limits to better your coverage while out on the road.
This is the most comprehensive option when it comes to covering injury due to collision. It kicks in regardless of who is at fault for the accident. Benefits of the no fault option include:
- Medical expenses
- Rehabilitation
- Personal expenses
- Travel expenses
- Death benefits
- Living assistance
- Permanent impairment payment
This coverage requires a declaration form to be completed. It provides coverage for the most basic benefits available to help cover expenses. With tort coverage, you can sue for expenses that aren’t covered in the event of injury, as well as for pain and suffering. Coverages under tort include:
- Medical expenses
- Rehabilitation
- Income benefit
- Death benefits
- Permanent impairment payment
Another part of your plate insurance policy is third-party liability. In short, it covers you for injury or property damage you may cause, as well as vehicle damage anywhere in Canada or the United States. Saskatchewan plate insurance provides basic insurance coverage only with the minimum legal requirements for liability and basic insurance benefits.
Coverage for damage caused when your vehicle has an impact with another object such as another vehicle, building, guardrail, or roadway, and also includes a rollover of the vehicle.
Found yourself stuck in a hailstorm? Windstorm? Hit a deer? Is your vehicle stolen? Vandalized? This will cover your damages.
This combines the coverage of both collision and comprehensive. The best of both worlds.
Will the standard third-party liability limit be enough if the unexpected happens? With this option, you can increase your liability limit to ensure you’re fully covered from a liability standpoint.
Extension car insurance provides deductible options to have a lower deductible if a claim is filed.
With family security coverage your family members are protected – if injured by an uninsured or underinsured driver – equal to your liability amount, up to $2 million.
On wildlife, fire, lighting, and theft of entire vehicle losses. Zero Deductible on these losses when you have purchased both a collision and comprehensive deductible along with third-party liability on your car policy.
If you’re unable to go back to work for a period of time, a car policy pays an additional amount on top of the weekly income benefit covered by the basic injury insurance.
At no additional cost, a car policy automatically provides you, your spouse and the children in your care with coverage while driving a vehicle you don’t own.
Provides payment for glass that encloses the passenger compartment of the vehicle that has been broken by an object that was thrown up or fell from another vehicle.
Provides payment to rent a vehicle if your vehicle is stolen or damaged.
Provides payment to replace your vehicle (no depreciation) if your new vehicle is a total loss caused by a coverage you are insured for.
Coverage while your vehicle is in continuous storage or is being restored.
How much is basic car insurance in Saskatchewan?
The cost of car insurance in Saskatchewan depends on how likely that vehicle will be in a claim and what that claim will cost.
What factors determine the cost of car insurance in Saskatchewan?
The type of car you drive will impact your premium, depending on factors including its safety rating and the general cost of repairs. The likelihood of it being involved in a collision or theft will also impact your price.
All drivers start at 0% discount on the basic insurance. As you accumulate years of incident-free driving the vehicles registered in your name, you’ll get discounts on your car insurance in Saskatchewan.
How to save on car insurance in Saskatchewan
Looking for the cheapest car insurance in Saskatchewan? The best way to save on car insurance in SK is to consistently be a safe driver. You can optimize your car policy by reviewing it regularly with your broker to ensure you have the coverages you need – and aren’t paying for the ones you don’t. You can adjust your policy limits, change your deductible and even add or remove coverage based on your needs at the time.
Car insurance discounts in Saskatchewan
The main way to save more on your car insurance in Saskatchewan is to maintain a positive score through the Safe Driver Recognition (SDR) program. The SDR program incentivizes safe driving by applying discounts on basic car insurance for those with a safe driving record, and issuing penalties to those with negative scores.
How does the Safe Driver Recognition program work?
There are 3 zones Saskatchewan drivers can fall into:
- Safety Zone: Get discounts on your car insurance.
- Neutral Zone: No discounts available.
- Penalty Zone: Face financial penalties for incidents.
Everyone starts off with 0 points, putting them in the Neutral Zone. Each year you drive incident-free, you earn 1 point. With each point you gain comes an increased discount on your car insurance – drivers can save up to 25% through the SDR program.
Just as you can gain points, you can lose them too – for each incident you have like at-fault collisions, licence suspensions, traffic convictions, you’ll receive demerit points and move toward the Penalty Zone. For each negative point on the scale, you’ll pay $50.
Learn more about the SDR program and how safe driving habits can help you save on car insurance in Saskatchewan.
Why choose Westland for your Saskatchewan car insurance needs?
Expert advisors go above and beyond
Our advisors go the extra mile every step of the way and do the legwork to get you the best car insurance in Saskatchewan to suit your lifestyle.
Our network of insurers means more choice
With access to the best car insurance companies in Saskatchewan, we have a large network of insurers that we can tap into - guaranteeing great rates and options - so you know you’re not missing out.
We work hard to make things simple
Whether it comes to finding the right car insurance coverage or navigating a claim, we keep things simple and use language that everyone can understand.
Example of an car insurance claim
You come out to your brand-new car after picking up groceries, someone has hit it and didn’t leave a note. You have been victim to a hit-and-run.
Your car insurance policy will spring into action, with different parts of your policy stepping in to help:
Collision coverage
Even though it is not your fault you will still need to pay your collision deductible to the shop the does the repairs. Because you’ve chosen to have a car policy you’ll pay the collision deductible on the policy, not the regular $700 deductible.
Loss of use
Not knowing who caused the accident means that the basic plate coverage won’t provide a replacement vehicle while yours is in the shop. Your loss of use coverage will pay for that rental up to the limit shown on the policy.
Replacement cost coverage
Having this coverage means the shop will use brand-new parts for your repairs.
Connect with us
Our expert advisors are waiting to help you find the perfect auto insurance policy.
Find a branch
Come in and speak to an advisor to get a customized policy made just for you.
Request a quote
Start an online quote at your convenience, and we’ll help you select a plan that works for you.
Areas we serve in Saskatchewan
Saskatoon
Regina
Prince Albert
Moose Jaw
Swift Current
Yorkton
North Battleford
Weyburn
Estevan
Melfort
Humboldt
Martensville
Lloydminster
Warman
Melville
Kindersley
La Ronge
Tisdale
Nipawin
Battleford
FAQs about car insurance in Saskatchewan
Basic car insurance (also known as plate coverage) offers coverage for:
- Physical damage to your vehicle
- Third-Party Liability for damage to other vehicles, property or injury to others
- Personal injury coverage if an injury results from a vehicle collision
Basic plate coverage provided by SGI will only cover:
- Physical damage to your vehicle
- Third-Party Liability for damage to other vehicles, property or injury to others
- Personal injury coverage if an injury results from a vehicle collision
For protection outside of this, you’ll want to consider auto extension coverage. Contact Westland today to speak to an advisor – we’re happy to take you through your options for extra car insurance coverage.
Saskatchewan Government Insurance determines car insurance rates based on the typical costs to cover claims made for the type of vehicle you have. Learn more about how the cost of car insurance in Saskatchewan is calculated.
Get the cheapest car insurance in Saskatchewan by maintaining a safe driving record. The more driving experience you have without incident, the more you’ll save on your car insurance policy.
Renew your car insurance in Saskatchewan by contacting Westland or visiting a branch. You can also renew online through MySGI.
The minimum amount of car insurance required to drive in Saskatchewan is provided by Saskatchewan Government Insurance (SGI). Also referred to as basic plate coverage, it offers protection for:
- Physical damage to your vehicle
- Third-Party Liability for damage to other vehicles, property or injury to others
- Personal injury coverage if an injury results from a vehicle collision
Types of car insurance in Saskatchewan
SGI auto insurance
When you buy auto insurance in Saskatchewan, you’ll be purchasing plate insurance which is the basic mandatory coverage provided by Saskatchewan Government Insurance (SGI).
Optiom auto insurance
Optiom is a vehicle replacement program that helps your insurance on your new or used vehicle keep pace with the true cost of replacement. Optiom’s vehicle replacement can be looked at as an enhancement to your current comprehensive coverage through your primary insurer.
Motorcycle insurance
Offers coverage you need to drive a motorcycle, moped, or scooter on public roadways with peace of mind.
Off-road vehicle insurance
Best suited for those with a taste for adventure, get an off-road vehicle insurance policy for your snow mobile or all-terrain vehicle.
Rental auto insurance
A more cost-effective alternative to getting insurance through the rental company, while still getting the protection you need.
RV insurance
With similar coverages to auto insurance, RV insurance policies also address the unique features of having a home on wheels.
Commercial auto insurance
Whether you have one commercial vehicle or a fleet, we have the commercial auto policy you need.
Buy car insurance in Saskatchewan with confidence
Whether you’re new to the province, shopping around for car extension coverage, or need to renew your plates, our advisors are waiting to help you get car insurance quotes in Saskatchewan.
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