SGI Car Insurance Review

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Article Contents
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on May 8, 2024

Visit author page
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated May 8, 2024

Visit author page

2 minute read

Article Contents

This page is for informational purposes only. MyChoice is not affiliated with this company.

SGI Providing Quality Insurance to Both Urban & Rural Customers

When SGI began there was a focus on servicing insurance to rural communities before since expanding to service the provinces of Manitoba, Alberta, British Columbia, Ontario and Saskatchewan. They currently employ two thousand people along with five hundred independent insurance brokers.

Average SGI Insurance Rates

In general, SGI offers lower insurance rates than most other companies. This is due to their focus on insuring rural customers who are less likely to be involved in an accident because they live in less densely populated areas of Canada.

However, the average SGI insurance rates vary from location to location with some of the lowest annual rates being found in places like Lethbridge, Red Deer and Medicine Hat with annual rates of around $1,120. Whereas some of the highest rates can be found in Calgary and Edmonton at about $1,470 on average.

Find Low Rates with A Standard SGI Policy

SGI offers one of the cheapest standard insurance policies with it covering your own medical expenses, you from liability for damage done to other vehicles, and it will cover you if the other driver flees the scene of an accident.

SGI allows drivers to adjust their level of coverage for each of the three main features of a standard insurance policy, which are:

  • Liability Protection
  • Personal Harm Protection
  • Hit & Run Protection

SGI also allows drivers to adjust their deductible. A deductible is the out-of-pocket expenses that a driver has to pay before insurance starts to pay. In general, a higher deductible will result in lower premiums, but drivers may end up having to pay large amounts following an accident.

We make it easy to see how different levels of coverage affect premiums, and many people have been able to find extra value in their insurance by using our comparison tool.

Optional Insurances Extras Offered By SGI

SGI offers a number of useful options in addition to their standard insurance coverage.

Accident Forgiveness

An accident forgiveness feature allows drivers to avoid higher rates if they are involved in a crash. The cost of an accident forgiveness option is generally low, and it is generally worth the cost when compared to the huge increase in rates that come with being involved in an accident.

Loss of Use Coverage

Loss of use coverage pays for the expenses of not being able to use your car. It will cover a rental vehicle or cab fare.

Seasonality & Speciality Vehicle Coverage

Seasonal and specialty vehicle coverage allows drivers to have coverage for vehicles they do not use every day such as RVs, motorcycles, and classic cars. Specialty vehicle coverage is generally added to an existing insurance policy, but drivers can get a specific policy for their specialty vehicles.

Waiver of Depreciation

A waiver of depreciation allows drivers to receive coverage for the value of their new car. This means that they can have their vehicle replaced with a new car following a crash, and it allows drivers to avoid the rapid depreciation rate of new vehicles. SGI offers a waiver of depreciation for thirty months on new vehicles.

Some Simple Ways To Get A Discount With SGI

One of the simplest ways to save on insurance is by looking for discounts. The average driver has the opportunity to receive multiple discounts that can add up to significant savings.

Bundling Home & Auto Policies

Bundling home and auto insurance is a simple way of saving up to ten percent on auto insurance, and SGI even offers their customers the chance to receive savings on their home insurance.

Other Discounts Offered by SGI

  • Having An SGI Policy For Over Three Years
  • Having More Than One Vehicle
  • Having More Vehicles Than Drivers
  • Being Between The Age of 36 and 75

How To File A Claim With SGI

SGI allows its customers to submit a claim over the phone or email.


You can contact them at anytime 24/7

Contact by phone

Feel free to contact the team by phone


File a claim by visiting the SGI website

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