Saskatchewan Mandatory Coverage

Owners of motor vehicles in Saskatchewan must obtain auto insurance coverage through the government insurer, Saskatchewan Government Insurance (SGI). SGI has a government-mandated monopoly to provide the mandatory insurance set by provincial regulations.  

In the province, $200,000 in third-party liability coverage is mandatory as is coverage for damage to your own vehicle.

The chart below provides a summary of mandatory coverages required by the Saskatchewan government. Please refer to the list of sources for more details.

This information is for educational purposes only. Consult a qualified insurance professional for further assistance. 

As of January 1, 2021

Mandatory 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.
Direct Compensation Property Damage Required?Not applicable
If no-fault option selected: If tort option selected:
Medical payments:Up to $7,259,646/person.
Up to $28,412 /person for non-catastrophic injury, up to $213,090 for catastrophic injury.
Funeral expense benefits:$10,887.
Disability income benefits:90% of net wages based on actual gross annual income that is less than $102,673/year; nothing payable for the first seven days of disability, unless catastrophically injured.Up to two years; $458/week for total disability (lifetime if unable to return to any job); $229/week for partial disability; maximum $ 23,816 /year.
Death benefits:45% of deceased’s net income benefit to spouse; 5% of deceased’s net income to each dependent child; if no spouse, $16,642 to each surviving parent or child (21 years or older), to maximum $74,894; death of dependent child $33,285.
45% of deceased’s net income; 5% of calculated death benefits to each dependent child; if no spouse or dependant, estate receives up to $14,206.
Impairment benefits:Up to $208,037/person for non-catastrophic injury, up to $254,087 for catastrophic injury.Up to $14,206/person for non-catastrophic injury, up to $184,678 for catastrophic injury.
Right to sue for pain and suffering?No.
Yes, subject to deductible of $5,000.
Right to sue for economic loss in excess of no-fault benefits?Yes.
Administration:Government (government and private insurers compete for optional and excess coverage)