Auto Insurance – Saskatchewan

Your vehicle is an extension of your life. It gets you where you want to go when you want to go there, and it is much more than just an investment. However, choosing the right auto insurance coverage can be challenging. Let one of our local advisors walk you through your options and help determine the best coverage for you.

Connect with us today to get the coverage you need for peace of mind.

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Auto insurance in Saskatchewan, explained

Basic plate coverage is the mandatory coverage for all vehicles in Saskatchewan and is provided through Saskatchewan Government Insurance. 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 auto insurance provides more 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. Get a $0 deductible on these losses when you have purchased both a collision and comprehensive deductible along with third party liability on your auto policy.

If you’re unable to go back to work for a period of time, an auto policy pays an additional amount on top of the weekly income benefit covered by the basic injury insurance.

At no additional cost, an auto 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 auto insurance in Saskatchewan?

How much you pay for personal auto 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 auto insurance in Saskatchewan?

Your vehicle

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.

Your Safe Driver Recognition Discount

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 auto insurance in Saskatchewan.

How to save on auto insurance in Saskatchewan

The best way to save on car insurance in Saskatchewan 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.

Auto insurance discounts in Saskatchewan

You can receive extra discounts on your car insurance for loyalty and insuring multiple cars – be sure to ask your broker about discounts you may be eligible for.

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:

  1. Safety Zone: Get discounts on your car insurance.
  2. Neutral Zone: No discounts available.
  3. 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 auto insurance needs?

Expert advisors go above and beyond

Our advisors go the extra mile every step of the way and do the legwork to provide personalized auto insurance coverage in Saskatchewan to suit your lifestyle.

Our advisors are part of your community

Westland advisors are local, so they understand the unique needs of your community. And, they’re easy to get hold of, in person, over the phone or on email.

We work hard to make things simple

Whether it comes to finding the right auto insurance coverage or navigating a claim, we keep things simple and use language that everyone can understand.

Example of an auto 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 auto 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 must pay your collision deductible to the shop that does the repairs.

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

This coverage means the shop will use brand-new parts for the repairs.

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Areas we serve in Saskatchewan

At Westland Insurance, we provide comprehensive personal auto insurance solutions to drivers throughout Saskatchewan. Our local expertise and extensive network ensure that you receive personalized service and coverage that fits your needs, no matter where you are.  

We proudly serve the following cities and towns 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 auto insurance in Saskatchewan

Yes, you can renew your auto insurance online through your MySGI account. Alternatively, you can work with one of our advisors by visiting a branch or via email or phone to renew your insurance.

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.

Basic plate coverage is the mandatory coverage for all vehicles in Saskatchewan and is provided through Saskatchewan Government Insurance. The registration portion gives your vehicle permission to be on the road.

The insurance portion includes:

  • Physical damage coverage for 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

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.

Types of auto 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.

What our local customers are saying

I moved here from Quebec a year ago, and I am so very happy I chose Westland for my SGI and Insurance needs. From my first (of many) email inquiry… Read more
Kim

May 2024

I moved here from Quebec a year ago, and I am so very happy I chose Westland for my SGI and Insurance needs. From my first (of many) email inquiry to Cheryl Wrishko, any and all in office transactions, everyone has been so helpful and very quick to fix any issues I had. you guys are superstars!

Kim May 2024 / Saskatoon – West, SK
Kim from Westland insurance was outstanding. She was very knowledgeable about rv insurance and explained things clearly. I highly recommend Kim.
Edmond Hupe Aug 2024 / Saskatoon – West, SK
I requested a price quote on auto insurance from Westland Insurance Dewdney Ave E in Regina and Crystal responded with very thorough answers to my questions. Sure glad she took… Read more
Johanna Friedt

Apr 2024

I requested a price quote on auto insurance from Westland Insurance Dewdney Ave E in Regina and Crystal responded with very thorough answers to my questions. Sure glad she took care of this as I certainly appreciate complete thorough answers to my questions especially nowadays w/insurance being so costly. Thanks again to: Crystal Griffin‑Quennelle. You are an asset to your company.

Johanna Friedt Apr 2024 / Regina East, SK
Excellent service from the ladies working at this location (Ashley & Debbie). I am from out of province and needed help with filing some paperwork and they were both so… Read more
Alix Bellemare

Apr 2024

Excellent service from the ladies working at this location (Ashley & Debbie). I am from out of province and needed help with filing some paperwork and they were both so helpful and patient while helping me with it. Debbie even helped coordinate with SGI and made some phone calls for me going back and forth with them - so helpful and I am so grateful they were able to get me on my way!

Alix Bellemare Apr 2024 / Moosomin, SK
Gary has taken care of our insurance needs for a few years now. He is always available to answer questions and believes that he is the liason between his client… Read more
Kelly Gilders

May 2024

Gary has taken care of our insurance needs for a few years now. He is always available to answer questions and believes that he is the liason between his client and the insurance company. After a hail storm our claim went smoothly and my neighbors had to fight with there broker and insurance to get anything covered. I recommend Gary to everyone I know and my kids use him as well.

Kelly Gilders May 2024 / Saskatoon – West, SK
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Whether you’re new to the province, shopping around for auto extension coverage, or need to renew your plates in Saskatchewan, our advisors are waiting to help you find the perfect solution.

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