SGI Car Insurance review and free quotes 2024

Looking for an economic car insurance option? Look no further. With SGI Car Insurance, you can get coverage without burning a hole in your pocket.

But what does SGI Car Insurance cover? Does it meet all your needs? Let's find out! Delve into all the coverage details, pros, cons, how to apply, how to file for claims, and the costs of SGI car insurance in our in-depth review.

You can also compare SGI Canada coverage with the best car insurance plans, and get personalized quotes right here simply by using our free comparator tool.

Our 2024 review of SGI Canada car insurance

SGI Canada car insurance stands out for its stable rates and comprehensive coverage, making it a solid choice for drivers seeking reliable and affordable protection.

With its no-fault system, policyholders benefit from a streamlined claims process, reducing the hassle and time typically associated with accident claims.

The wide range of coverage options caters to both personal and business vehicles, ensuring tailored solutions for diverse needs. SGI's efficient Auto eClaim system exemplifies its commitment to customer convenience.

This insurance is best suited for residents of Saskatchewan and other provinces where SGI operates, offering a blend of government accountability and competitive advantages such as discounts for safe drivers.

If you think SGI is the right choice for you, you can get free quotes right here.

However, we strongly recommend that you explore other options before zeroing in on SGI. For that, you can use our free tool below. Compare Canada's best car insurance plans and get free quotes tailormade for you right here.

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Who offers SGI car insurance?

SGI CANADA, or Saskatchewan Government Insurance, is a provincial Crown corporation that provides auto insurance, home insurance, farm insurance, and other insurance products to residents of Saskatchewan, Canada. It is the only provider of mandatory auto insurance in the province. 

SGI CANADA operates in Saskatchewan, British Columbia, Alberta, Manitoba and Ontario. SGI CANADA does not offer the same products in all provinces. For example, SGI Canada does not offer business insurance in Manitoba.

As the only provider of mandatory auto insurance in Saskatchewan, SGI holds the exclusive right to offer car insurance within Saskatchewan.

What are the pros and cons of SGI car insurance?

Pros of SGI Canada car insurance

• Stable rates: As a Crown corporation, SGI operates without the pressure to generate profit, leading to more stable and predictable rates compared to private insurers.
• No-fault system: Saskatchewan's no-fault system simplifies the claims process by eliminating the need to determine fault in an accident. This can expedite compensation and reduce legal complexities.
• Wide coverage options: SGI offers a variety of coverage options, including basic liability, comprehensive, collision, and optional coverages like roadside assistance and rental car reimbursement.
• Discounts: SGI offers several discounts for good driving records, multiple vehicles, anti-theft devices, and other factors, helping you save on your premium.
• Government accountability: SGI is subject to government oversight and annual customer satisfaction reviews, ensuring a certain level of transparency and accountability.
• Local presence: With branches and brokers throughout Saskatchewan, SGI offers easy access to customer service and support.
• Online calculator: Free SGI car insurance calculator for easy rate calculation.

Cons of SGI Canada car insurance

• Limited choice: In Saskatchewan, SGI is the only option for mandatory auto insurance, leaving no room for comparison with other providers.
• Potential for higher rates: While rates are generally stable, they may not always be the most competitive compared to private insurers in other provinces.
• No frills service: Some customers report a lack of personalized service or flexibility compared to private insurers.
• Strict claims process: Some reviews mention stricter claim processing and potentially lower payouts compared to some private insurers.
• Limited optional coverage: Compared to some private insurers, SGI might offer fewer options for additional or specialized coverages.

Overall, SGI offers a stable and reliable option for car insurance in Saskatchewan, with the benefits of a no-fault system, diverse coverage options, and discounts. But we recommend that you explore other providers like RBC car insurance, CAA car insurance, Aviva, and more before zeroing in on a plan.

What are the types of SGI car insurance?

You can insure both personal and business cars through SGI car insurance. Its auto insurance offers collision coverage and comprehensive coverage along with injury insurance coverage. 

Here are more details about its injury insurance coverage:

In Saskatchewan, all residents receive injury coverage in the event of being injured or killed in an auto collision.

• Auto Pak enhances the injury coverage provided by the standard license plate insurance and offers various features depending on whether you opt for No Fault or Tort coverage.
• The coverage limit matches your selected 3rd-party liability (legal responsibility) coverage, by up to $2 million.

No-Fault Coverage

• Death benefits: Provides additional funds to ensure the spousal death benefit equals half of the deceased victim’s net income and 5% of the net income for each dependent child.
• Education allowance: Offers up to 50% more than the education allowance provided by basic license plate insurance.
• Funeral expenses: Covers up to an additional 50% of actual expenses over the basic plate insurance coverage.
• Income benefits: Covers 90% of your net income (refer to Basic Auto vs. Auto Pak for details) if you're unable to work due to injuries. Auto Pak covers the remaining amount.

No-fault coverage also limits the ability to sue another party for damages after a collision for which you were not found responsible.

Tort Coverage

• Death benefits: Provides additional funds to ensure the spousal death benefit equals half of the deceased victim’s net income (refer to Basic auto vs. Auto Pak for details) and 5% of net income for each dependent child.
• Funeral expenses: Covers an additional 50% of actual expenses over the basic plate insurance coverage.
• Income benefits: Basic license plate insurance provides a small weekly income benefit if you’re unable to work due to injuries. Auto Pak coverage increases this benefit by up to 25%.

Tort coverage allows the full ability to sue another party for damages after a collision for which you were not found responsible.

How much does SGI car insurance cost?

SGI car insurance rates are determined by various factors, including:

1. Your vehicle: Make, model, year, value, and safety rating all play a role in the cost.
2. Your driving history: Age, experience, driving record (accidents, tickets), and claims history heavily influence the rate.
3. Your location: Where you live within Saskatchewan can affect your rate.
4. Your coverage: The type and amount of coverage you choose (basic, standard, etc.) will significantly impact the price.
5. Discounts: SGI offers discounts for good driving records, multiple vehicles insured, anti-theft devices, and other factors, which can reduce your rate.

To get a rough idea of the cost, consider this sample scenario:

• Driver: 35-year-old male with a clean driving record for 10 years.
• Location: Regina, Saskatchewan.
• Vehicle: 2018 Toyota Camry SE with a safety rating of "Good" by the Insurance Institute for Highway Safety (IIHS).
• Coverage: Standard Autopac with comprehensive and collision coverage.

Estimated rate range for comprehensive coverage:

• Low: $1,200 - $1,500 per year
• High: $1,800 - $2,200 per year

To get an accurate quote based on your preferences, simply use our free tool below. Get quotes from SGI Canada, RBC, TD, and more.

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Does SGI car insurance offer adding extra liability coverage? 

Yes, you can add the following types of extra liability coverage:

• Enhanced Liability Coverage: Extends your legal responsibility for physical harm to another person or their property beyond what is covered by your home, watercraft, and personal auto insurance policies.
• Personal Injury Protection: Safeguards you against lawsuits stemming from libel, slander, defamation of character, invasion of privacy, false arrest, wrongful eviction, malicious prosecution, and humiliation.
• Non-profit Organization Coverage: Offers protection if you are an officer or director of a non-profit organization and fail to fulfill a duty or accidentally omit a word or phrase from a contract, deed, judgment, etc.
• Worldwide Coverage: Ensures protection while traveling outside Canada, including worldwide auto coverage, provided you have access to a $1 million insurance limit on your policy or can cover the same amount yourself.
• No Additional Deductible: This coverage acts as an upgrade to the liability on your personal insurance policy, eliminating the need for an extra deductible.

Who qualifies for SGI’s extra liability coverage?

To qualify for these types of liability coverages, you must have current SGI home and auto insurance policies, with minimum liability limits of $1 million

You won’t qualify for this coverage if you are: 

Profession	Eligible?
Professional entertainer
Broadcaster
TV personality
Politician
Labor or union leader
Journalist
Newspaper writer
Editor
Author
Professional athlete

If you want to look at car insurance plans that offer more comprehensive coverage, you can do that right here. Use our free comparator below to explore Canada's best car insurance policies and get free quotes from the best providers.

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How to claim SGI car insurance? 

SGI offers a feature called Auto eClaim that offers a quick and convenient method for filing your auto claim and scheduling a vehicle damage appraisal appointment online at your convenience.

It's now mobile-friendly, giving you the option to access either a desktop or mobile-optimized version of the service.

You can visit their website and report a claim, except for:

• Injury claims: For this, you need to follow the designated auto injury claims process.
• Windshield repairs: If your vehicle sustains damage from a road hazard, such as a stone chip, you need to visit your preferred auto glass repair shop with your extension policy information. The shop will handle the repair submission directly to SGI.

If you're unsure whether your claim qualifies for Auto eClaim, reach out to a nearby claims center or call SGI at 1-844-855-2744.

Before you begin, know that:

• The process typically takes between 15 to 45 minutes to complete, depending on the complexity of your claim.
• You can save your information at any point during the claim filing process. Once saved, you can return at your convenience to add more details using the provided claim number.
• An adjuster will reach out to you within two to four business days to finalize your claim filing. We appreciate your patience.

How to contact SGI car insurance?

Head office address
2260 — 11th Avenue,
Regina, SK S4P 0J9
(Monday to Friday: 8 a.m. to 5 p.m.)

• Toll-free phone: 1-844-TLK-2SGI (1-844-855-2744)

This number is available in Canada and the U.S. You can call Monday to Friday: 8 a.m. to 6 p.m. On Saturdays, call between 9 a.m. and 5 p.m.

• Email: [email protected]