Enter the standard plate insurance cost for your vehicle before any discounts.
Your current SDR score (between -20 and +25).
Discount Percentage:0%
Total Discount Amount:$0.00
Estimated Annual Premium:$0.00
function calculateSGIRate() {
// Get Input Values
var basePremium = parseFloat(document.getElementById('basePremium').value);
var safetyPoints = parseInt(document.getElementById('safetyPoints').value);
// Validation
if (isNaN(basePremium) || basePremium 0) {
discountRate = safetyPoints * 2;
// Cap at 25% max discount
if (discountRate > 25) {
discountRate = 25;
}
} else {
discountRate = 0;
}
var discountValue = basePremium * (discountRate / 100);
var finalCost = basePremium – discountValue;
// Display Results
document.getElementById('discountPercent').innerHTML = discountRate.toFixed(1) + "%";
document.getElementById('discountAmount').innerHTML = "$" + discountValue.toFixed(2);
document.getElementById('finalPremium').innerHTML = "$" + finalCost.toFixed(2);
// Show Results Container
document.getElementById('results').style.display = "block";
}
Understanding Your SGI Safe Driver Recognition (SDR) Rate
The Saskatchewan Government Insurance (SGI) Safe Driver Recognition (SDR) program is a merit-based system that rewards safe driving habits with discounts on vehicle insurance premiums. Conversely, risky driving behaviors resulting in at-fault accidents or traffic convictions can lead to financial penalties. This calculator helps you estimate your annual insurance savings based on your current safety rating score.
How the Score Works: The SDR scale typically ranges from -20 (Penalty Zone) to +25 (Safety Zone). Drivers start at a neutral score of 0. For every year of accident-free and conviction-free driving, you earn points.
How SGI Calculates Your Discount
The financial benefit of safe driving is calculated as a percentage of your base insurance premium. The structure is generally as follows:
Safety Zone (Positive Points): You receive approximately a 2% discount off your Basic Autopac vehicle insurance for every safety point you earn.
Maximum Discount: The discount is capped. While you can earn more points for buffer protection, the maximum financial discount is capped at 25% (typically reached at +13 to +15 points depending on current regulations, though maintaining higher points protects this discount).
Penalty Zone (Negative Points): If your score drops below zero due to incidents, you lose your discount. Furthermore, specific financial penalties (roughly $50 to $100 per point) are assessed for each incident that moves you down the scale in the penalty zone.
Finding Your Base Premium
To use this calculator accurately, you need to know the base insurance premium for your specific vehicle. This "base rate" is determined by several factors:
Vehicle Type and Model: Different cars have different loss ratios and repair costs.
Model Year: Newer cars often cost more to insure due to higher replacement values.
Location: Rates may vary depending on whether you register the vehicle in a rural or urban setting.
You can find your base premium by looking at your renewal notice or using the rate lookup tool on the official SGI website. Once you have that number, input it above along with your safety score to see how much you are saving annually.
Why Your Score Might Change
Your SGI rating is dynamic. You gain points for every year of safe driving. However, you lose points for at-fault collisions and traffic convictions (such as speeding). An at-fault collision generally results in a loss of 6 points. Traffic convictions vary based on severity. Maintaining a high positive score acts as a "buffer," ensuring that one small mistake doesn't immediately send you into the penalty zone where fees are applied.
Note: This tool is for estimation purposes only. Official rates and assessments are determined by SGI at the time of registration or renewal.