Insurance Saskatchewan

Insurance In Saskatchewan

Auto insurance in Saskatchewan is provided by a government-run insurance company, Saskatchewan Government Insurance (SGI).


Saskatchewan is a no-fault province, but residents have the option to have their auto insurance through a tort system. This choice has been available to Saskatchewan residents since January 1, 2003.  

Over 6000 Saskatchewan residents, representing more than .6% of the population, have opted for the tort system.

Compulsory minimum third-party liability:

$200,000 is available for any one accident; however, if a claim involving both bodily injury and property damage reaches this figure, payment for property damage will be capped at $10,000

Medical payments:

If no-fault option selected:
Up to $6,382,084/person

If tort option is selected:
Up to $24,954/person for non-catastrophic, up to $187158for catastrophic injury

Funeral expense benefits:

If no-fault option selected:
$9,573

If tort option selected:
$6,239

Disability income benefits:

If no-fault option selected:
90% of net wages based on gross annual income of maximum $86,463 year; nothing is payable for the first 7 days of disability unless catastrophically injured

If tort option selected:
$376/week if totally disabled for up to two years; $188/week if partially disabled for up to two years; maximum $19,552 per year

Death benefits:

If no-fault option selected:
45% of deceased's net income; min. $65,840 to spouse; 5% of calculated death benefits to each dependent child; if no spouse, $14,631to each surviving parent or child (21+), to a max. $65,840; up to $43,893 spouse education; death of dependent child $29,262

If tort option selected:
45% of deceased's net income to a minimum $56,147 to spouse; 5% of calculated death benefits to each dependent child; if no spouse or dependent, estate  receives up to $12,477  

Impairment benefits:

If no-fault option selected:
Up to $182,888/person for non-catastrophic, up to $223,373 for catastrophic injury

If tort option selected:
Up to $12,477 /person for non-catastrophic, up to $162,204 for catastrophic injury

Right to sue for pain and suffering?

If no-fault option selected:
No

If tort option selected:
Yes, subject to deductible of $5,000

Right to sue for economic loss in excess of no-fault benefits?

If no-fault option selected:
Yes

If tort option selected:
Yes

Administration:

If no-fault option selected:
Government (government and private insurers compete for optional and excess coverage)

If tort option selected:
Government (government and private insurers compete for optional and excess coverage)

Notes:

If no-fault option selected:
Saskatchewan is a no-fault province where residents can opt out of the Personal Injury Protection Plan (PIPP), or no-fault, in favour of a tort plan.

If tort option selected:
First-party all perils* insurance is compulsory in Saskatchewan (deductibles vary according to type of vehicle).