Car Insurance in Saskatchewan: SGI, No-Fault or Tort
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Car insurance in Saskatchewan starts with plate insurance from the Saskatchewan Auto Fund, which SGI administers. It comes with your vehicle registration and covers liability, damage to your vehicle after a deductible, and injuries. Saskatchewan also lets you choose between two kinds of injury coverage: No Fault and Tort. This guide explains both, what basic coverage includes, and how the 2026 and 2027 changes affect your costs. For other provinces and insurance types, start from our insurance hub.
All figures come from SGI or the Government of Saskatchewan, as of October 18, 2026.
How car insurance works in Saskatchewan
When you register a vehicle in Saskatchewan, you pay for basic plate insurance through the Saskatchewan Auto Fund. SGI says the Auto Fund operates on a self-sustaining basis and does not need to generate a profit.
Basic coverage has limits. SGI's driver's handbook says additional coverage, often called extended auto insurance, a package policy, or an Auto Pak, can be bought from the insurance company, broker, or agent of your choice. That top-up can add higher liability, a lower deductible, and other protection.
Rates for the Auto Fund go through a public review before they change.
What basic plate insurance covers
Basic plate insurance includes three main parts:
- Liability: up to $200,000, shared among all claimants
- Vehicle damage: covered after a deductible
- Injury coverage: No Fault or Tort, depending on what you choose
The deductible changes on January 1, 2027
The deductible is what you pay before basic coverage kicks in. According to the Government of Saskatchewan's 2026-27 fees backgrounder, the typical $700 deductible on basic plate insurance will increase to $950 on January 1, 2027. Most other vehicle deductibles will rise by about 20%.
New administrative fees start on the same date. As of October 18, 2026, the government lists these amounts:
- New vehicle registration, or new or renewed driver's licence: $15
- Vehicle registration renewal: $5
- Driver's licence payment transaction: $2
No Fault or Tort: choosing your injury coverage
Saskatchewan lets you pick how injuries are compensated. SGI explains the choice in its Guide to Choosing, edition 01/2026.
No Fault Coverage
No Fault is the default. SGI says all Saskatchewan residents have No Fault Coverage unless they file a declaration to choose Tort. It pays defined injury benefits without anyone having to prove fault, and it allows a lawsuit for pain and suffering only in very limited circumstances.
Tort Coverage
Tort Coverage keeps your right to sue an at-fault driver for pain and suffering. SGI applies a $5,000 deductible to any pain and suffering payment, so the amount you receive is reduced by $5,000.
To choose Tort, you file a signed declaration with any SGI motor licence issuer or send it to SGI.
How to decide
SGI says both products are equally priced today, but it will monitor claims and may price them differently in the future. You can change your injury coverage at any time, as many times as you like, at no cost. The coverage you want must already be in place before a collision, since you cannot choose after you are injured.
| Feature | No Fault Coverage | Tort Coverage |
|---|---|---|
| Default choice | Yes, applies unless you file a declaration | No, requires a signed declaration |
| Medical and rehabilitation benefits | Up to $8,524,604 | Up to $33,362 ($250,220 if catastrophic) |
| Suing for pain and suffering | Only in very limited circumstances | Yes, against an at-fault driver |
| Deductible on pain and suffering payments | Not applicable | $5,000 |
| Price today | Same as Tort | Same as No Fault |
How much car insurance costs in Saskatchewan
SGI does not publish one average basic premium on its rates page. It publishes the approved rate changes instead.
On September 4, 2026, the Government of Saskatchewan responded to the Rate Review Panel's recommendations. It confirmed a 3.75% increase effective June 1, 2026, and approved another 3.75% overall increase, with rate rebalancing, effective June 1, 2027. The government expects the average annual increase for vehicle owners in 2027 to be about $39.
The government also says Saskatchewan will still have among the lowest basic auto insurance rates in Canada after the 2027 increase. The table below sums up these changes. For the factors behind any quote, see our guide to how much car insurance costs.
| Change | Amount | Effective date |
|---|---|---|
| Basic rate increase | +3.75% | June 1, 2026 |
| Basic rate increase, with rate rebalancing | +3.75% overall (about $39 a year on average) | June 1, 2027 |
| Typical basic deductible | $700 to $950 | January 1, 2027 |
| Other vehicle deductibles | About +20% | January 1, 2027 |
Safe Driver Recognition
The Safe Driver Recognition program rewards incident-free years with a discount on basic vehicle insurance. According to SGI's handbook, it works like this:
- Points +1 to +10: 2% off for each point, up to 20%
- Points +11 to +20: 20% off
- Points +21 to +25: 1% more per point, up to a maximum of 25%
Below zero, you pay instead. SGI assesses $50 for each point in the Penalty Zone, up to $1,000. Some Criminal Code convictions carry penalties up to $2,500, for offences that result in bodily injury or death.
How to lower your premium
Start with your safety rating. Each incident-free year adds a point, and the discount reaches 25% at the top of the scale. Avoiding at-fault claims and convictions is the largest saving you control.
Next, look at your extended coverage. Shop the Auto Pak or package policy with more than one insurer, broker, or agent, since it is sold on the private side. Our insurance comparison tool and our guide to cheap car insurance can help you compare.
Finally, plan for the January 1, 2027 deductible change. If paying $950 after a claim would be hard, ask about extended coverage that lowers your deductible before the change takes effect.
- Injury coverage chosen on purpose: confirm whether you have No Fault or Tort before you drive, not after a collision.
- Extended coverage quoted more than once: compare Auto Pak or package policies from several insurers, brokers, or agents.
- Deductible plan for 2027: decide how you would pay $950 after a claim, or lower it with extended coverage.
- Safety rating checked: know your current point level and how close you are to the next discount.
Conclusion
Car insurance in Saskatchewan combines basic plate insurance from the Auto Fund with optional extended coverage from the insurer of your choice. Basic includes up to $200,000 in liability, vehicle damage after a deductible, and No Fault or Tort injury coverage.
Basic rates rose 3.75% on June 1, 2026, another 3.75% is approved for June 1, 2027, and the typical deductible rises to $950 on January 1, 2027. Review your injury coverage choice and your extended coverage before those dates. If you are new to the topic, our explainer on what car insurance is covers the basics.
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Frequently asked questions about car insurance in Saskatchewan
Is SGI insurance mandatory in Saskatchewan?
Yes. Basic plate insurance from the Saskatchewan Auto Fund comes with your vehicle registration. It includes up to $200,000 in liability, vehicle damage coverage after a deductible, and injury coverage. Extra protection, such as an Auto Pak, is optional and sold by the insurer, broker, or agent of your choice. Our guide to what car insurance is explains each coverage.
What is the difference between No Fault and Tort in Saskatchewan?
No Fault pays defined injury benefits without proving fault, and allows a lawsuit for pain and suffering only in very limited circumstances. Tort keeps your right to sue an at-fault driver for pain and suffering, with a $5,000 deductible on any such payment. No Fault is the default, and you choose Tort by filing a signed declaration. SGI says both are equally priced today.
Can I switch between No Fault and Tort?
Yes. SGI says you can change your injury coverage at any time and as many times as you like, at no cost. The coverage you want must be in place before a collision, because you cannot choose it after you are injured. File the declaration with any SGI motor licence issuer or send it to SGI.
How much did SGI rates go up?
The Government of Saskatchewan confirmed a 3.75% increase effective June 1, 2026, and approved another 3.75% overall increase effective June 1, 2027. It expects the 2027 increase to cost vehicle owners about $39 a year on average. Your own premium also depends on your safety rating. Our guide to car insurance costs explains other factors.
What is the SGI deductible in 2027?
On January 1, 2027, the typical deductible on basic plate insurance rises from $700 to $950, according to the Government of Saskatchewan. Most other vehicle deductibles rise by about 20%. Extended coverage can lower the deductible you pay after a claim. Compare extended coverage on our insurance comparison tool.
How does SGI's Safe Driver Recognition discount work?
Each incident-free year earns a point. From +1 to +10 you get 2% off per point, up to 20%, and from +21 you earn 1% more per year, up to a maximum of 25%. Drivers in the Penalty Zone pay $50 per point, up to $1,000, and some Criminal Code convictions cost up to $2,500. More guides are in our insurance hub.
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