The 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 Saskatchewan Policyholders Open an SGI Claim
About SGI Car Insurance
Saskatchewan’s Crown insurer, SGI, provides insurance through SGI Canada, its competitive Property-and-Casualty business.
SGI Canada provides insurance through independent brokers in Manitoba, Alberta, British Columbia and Saskatchewan.
In Ontario, business is conducted through SGI CANADA and Coachman Insurance Company.
To make an apples-to-apples rate comparison, the same jurisdiction and driver profile would need to be used.
Contrary to popular belief, SGI’s lower rates do not result from a predominantly rural clientele because SGI Canada sets its rates based on coverage options chosen in addition to other underwriting criteria.
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
Online reviews by customers provide a list of positive and critical points of SGI car insurance.
| 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?
Availability of products, as well as certain coverage options, will vary by province.
Farm and Commercial Insurance is available through independent brokers.
Personal Property products are available to homeowners, condo owners and tenants.
Starting in May 2026, eligible personal-property customers can get the new Legal Expense Insurance. The Claims Free Discount Protector will be offered as an option to eligible customers in May 2026. Service Line Coverage and Home Systems Protection are among the Property insurance options.
SGI’s farm coverage is known as Agro Pak. It is possible to combine the home, farm structures, machinery, equipment, livestock, and commodities into one policy.