This page is for informational purposes only. MyChoice is not affiliated with this company.
SGI Auto Insurance Options for Canadians
| Available in Canada? | Yes. SGI operates the Saskatchewan Auto Fund and SGI CANADA sells property-and-casualty products in five provinces. |
| Available in Ontario? | Yes, SGI CANADA has Ontario operations through its broker network. Product availability and branding should be confirmed with an Ontario broker; Saskatchewan’s compulsory plate insurance does not apply in Ontario. |
| Direct, broker or affinity distribution | Independent-broker distribution for SGI CANADA products. Saskatchewan compulsory plate insurance is also handled through SGI motor licence issuers and MySGI. |
| Underwriting company | Saskatchewan Government Insurance (SGI); SGI CANADA is the trade name of its property-and-casualty division. |
| How to get a quote | Contact an independent SGI CANADA broker. Saskatchewan registration/basic-insurance rates can also be estimated with SGI’s calculator and purchased through a motor licence issuer. |
| How to report a claim | Eligible Saskatchewan auto claims can be started online through MySGI/eClaim, by phone or in person at a claims centre. For an SGI CANADA policy, contact the broker or the claim contact identified for the policy/region. |
| Digital account or app | MySGI is a web account for eligible transactions, documents, payments and claims; SGI does not advertise a general consumer mobile app. |
SGI CANADA Coverage Choices in Ontario
- SGI CANADA Auto Pak in Saskatchewan adds to compulsory plate insurance. It offers collision/upset and comprehensive protection with deductible choices, higher liability limits, non-owned-auto protection, loss-of-use/rental costs, replacement-or-repair cost for qualifying newer vehicles and road-hazard glass.
- Claims-free protection is an optional coverage that preserves the claims-free discount after a first claim; SGI says it is available or updated in Ontario as well as Alberta, Saskatchewan and Manitoba.
- For Saskatchewan rideshare work, the personal Auto Pak does not respond while the driver is engaged in ridesharing; the rideshare company’s policy responds. No SGI-specific EV discount was confirmed publicly.
SGI CANADA Discounts to Confirm in Ontario
- Publicly confirmed savings include SGI CANADA policy discounts shown during broker quoting and optional claims-free protection. Exact discount eligibility and amounts vary by product and province and should be confirmed with the broker.
- Saskatchewan’s basic plate premium also reflects the driver’s Safe Driver Recognition rating; this is part of the public Auto Fund system rather than a standard Ontario discount.
How to Open an SGI CANADA Claim
About SGI Car Insurance
SGI is Saskatchewan’s Crown-owned insurer. Its competitive property-and-casualty business, SGI CANADA, sells through independent brokers in Saskatchewan, British Columbia, Alberta and Manitoba, and through SGI CANADA and Coachman Insurance Company in Ontario.
SGI CANADA prices policies using the coverage selected and applicable underwriting factors. Rates should be compared for the individual driver and province; current official sources do not support a general claim that SGI is cheaper because it primarily insures rural customers.
SGI’s Google Rating Versus Other Providers
| Insurance Provider | Company’s Online Rating |
|---|---|
| SGI | 3.6/5 |
| Esurance | 1.3/5 |
| Onlia | 4.5/5 |
| Economical | 2.2/5 |
| Wawanesa | 2.8/5 |
SGI Car Insurance Pros & Cons
Below are some main pros and cons of getting car insurance with SGI. These are based on the company’s online reviews.
| Pros | Cons |
|---|---|
| Competitive Premiums | Delayed Response in Emergencies |
| Quick Resolution and Payout After Claim Submission | Limited Customer Service Access and Support |
| Choice of Contractors for Repairs |
What Other Insurance Products Does SGI Offer?
Beyond personal auto, SGI CANADA offers personal property products for homeowners, condo owners and tenants, plus farm and commercial insurance through independent brokers. Product availability and optional features vary by province.
Its current property offerings include options such as Home Systems Protection, Service Line coverage and, from May 2026, updated Legal Expense Insurance and an optional Claims Free Discount Protector for eligible personal-property customers.
Farm coverage is sold as Agro Pak and can combine the home, farm buildings, machinery, equipment, livestock and commodities. Avoid claiming that a discount or product is broader or more satisfying than competitors without evidence.