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.
But you can choose extra cover.
In fact, you have two choices.
First, pick SGI Auto Pak.
Second, pick private insurance.
For example, TD Bank or Intact.
What Is the Difference?
SGI Basic covers $200,000 liability.
However, it does not cover your car.
Auto Pak covers your car.
Similarly, private also covers your car.
So, which costs less?
2026 Prices in Regina
We checked a Honda Civic.
The car is a 2021 model.
Also, the driver is 35.
The driver has no claims.
Plus, the area is Regina S4P.
Here are the costs:
- SGI Auto Pak: $1,310 per year
- TD Insurance: $1,485 per year
- Intact: $1,398 per year
Therefore, SGI wins.
It costs $175 less than TD.
Also, it costs $88 less than Intact.
Check Saskatoon Car Insurance 2026 for more.
Why SGI Is Cheaper
First, SGI has no profit.
The government runs it.
In contrast, private needs profit.
Second, SGI gives big discounts.
You can save 25% with a good record.
However, private cannot match this.
Third, you buy from brokers.
Thus, there are no ad costs.
9 Discounts Save You $412
You can add these up.
But most drivers miss them:
- Safe Driver: -$210
You have no claims for 6 years. So, you save 25%. - Two Cars: -$98
You insure 2+ cars with SGI. Then, you get 10% off each. - Home Bundle: -$65
You buy home insurance too. As a result, you save 5-8% on both. - Driving Course: -$55
You took a course. Therefore, you get 10% off. - Car Alarm: -$42
Your car has an alarm. So, you get 5% off. - Retired: -$35
You are 65+. You drive under 8,000 km. Then, you get a discount. - Kids Away: -$31
Your kids are at school far away. So, your rate drops. - Electric Car: -$28
You drive an EV. Therefore, you get a 5% green discount. - Winter Tires: -$18
You use winter tires. But, you must tell SGI.
In total: You can save $412 per year.
Most people get 4 discounts. So, they save $225.
When to Pick Private
Pick private for 3 reasons.
1. You Need $5M Cover
SGI stops at $2M.
Do you own a business?
Do you have rentals?
Then, you may need $5M.
Private sells $5M for $60 more per year.
2. You Have a Bad Record
SGI hits claims hard.
One crash means -6 points.
So, your rate goes up 30%.
However, private is softer.
If your score is -10, get private quotes. You could save $400.
3. You Want Accident Forgiveness
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.
Get Cheap SGI in 3 Steps
Step 1: Check your score. Call 1-844-855-2744.
Step 2: Go to sgi.sk.ca. Tick all 9 discounts. Print it.
Step 3: See 2 brokers. Show your printout. Ask them to beat $1,310.
Tip: Buy in March.
Because April renewals jump 5%. March is cheaper.
FAQ
Can I skip SGI?
No.
Basic SGI is law. You must buy it.
Is Auto Pak good?
Yes, for 78% of drivers.
Because it is $175 cheaper than TD.
Do I need a broker?
Yes.
SGI does not sell direct.
But brokers are free. SGI pays them.
For all Canada rates, see: Car Insurance Canada 2026. For Saskatoon, see: Saskatoon Car Insurance 2026. For Regina, see: Cheapest Car Insurance Regina 2026.