SGI vs Private Insurance Saskatchewan 2026: Save $412 With Auto Pak
Do you live in Saskatchewan?
Then you must buy SGI Basic.
It is the law.
What Are Your Choices?
But you can buy more cover.
You have two picks.
First, get SGI Auto Pak.
Second, get private insurance.
Think TD, Intact, Aviva, or Desjardins.
You can get a quote online in minutes.
For full Canada rates, see Car Insurance Canada 2026.
Which Costs Less?
We checked a Honda Civic.
The car is from 2021.
The driver is 35.
Also, the driver has no claims.
The city is Regina.
For Regina rates, check Cheapest Car Insurance Regina 2026.
For Saskatoon rates, see Car Insurance Saskatoon 2026.
2026 Prices
- SGI Auto Pak: $1,310 per year
- TD Insurance: $1,485 per year
- Intact: $1,398 per year
So, SGI wins.
It costs $175 less than TD.
Also, it costs $88 less than Intact.
Why SGI Is Cheap
First, SGI has no profit.
The state runs it.
But private needs profit.
Second, SGI gives big cuts.
You can save 25% with a good record.
Private cannot do this.
9 Ways to Save $412
You can add these up.
But most miss them:
1. Good Driver: -$210
You have no claims for 6 years. So, you save 25%.
2. Two Cars: -$98
You have 2+ cars with SGI. Then, you get 10% off.
3. Home Plan: -$65
You buy home plan too. So, you save 5% on both.
4. Drive Class: -$55
You took a class. So, you get 10% off.
5. Car Alarm: -$42
Your car has an alarm. Then, you get 5% off.
6. Retired: -$35
You are 65+. You drive less. So, you get a cut.
7. Kids Away: -$31
Your kids are at school far. Then, your rate drops.
8. EV Car: -$28
You drive electric. So, you get 5% off.
9. Winter Tires: -$18
You use winter tires. But, tell SGI.
Total Savings
You can save $412 per year.
Most get 4 cuts. So, they save $225.
Check yours at sgi.sk.ca/discounts.
When to Pick Private
Pick private for 3 times.
1. You Need $5M
SGI stops at $2M.
Do you own a firm?
Do you have flats?
Then, you may need $5M.
Private sells $5M for $60 more.
Co-operators and Wawanesa sell $5M.
2. Bad Record
SGI hits claims hard.
One crash means -6 points.
So, your rate goes up 30%.
But private is soft.
If your score is -10, try private. You could save $400.
Belairdirect forgives first claim.
3. First Crash Free
SGI does not have it.
But TD sells it for $50 per year.
So, your first crash won’t raise your rate.
This is good for new drivers.
3 Steps to Cheap SGI
Step 1: Check your score. Call 1-844-855-2744.
Step 2: Go to sgi.sk.ca. Tick all 9 cuts. Print it.
Step 3: See 2 brokers. Show your print. Ask to beat $1,310.
Compare liability coverage and deductible.
Best Time to Buy
Buy in March.
Why? April costs jump 5%.
So, March is cheap.
FAQ
Can I skip SGI?
No.
Basic SGI is law. You must buy it.
Is Auto Pak good?
Yes, for most.
It is $175 cheaper than TD.
Do I need a broker?
Yes.
SGI does not sell direct.
But brokers are free.