Enter the base rate for your vehicle model (before discounts).
Slide to select your Safety Rating (-20 to +25).
Annual (One-time payment)
Monthly (AutoPay)
Base Premium:$0.00
Safety Rating Discount:-$0.00
Safety Rating Penalty:+$0.00
Subtotal:$0.00
PST (6%):$0.00
Total Annual Cost:$0.00
Estimated Monthly Payment:$0.00
*Estimates include 6% SK PST. Monthly payments may include financing fees (approx 4-5% APR equivalent). This tool is for estimation purposes only and is not an official quote from Saskatchewan Government Insurance.
function updateSdrLabel(val) {
var label = document.getElementById("sdrValue");
if (val > 0) {
label.innerText = "+" + val;
label.style.color = "#27ae60";
} else if (val < 0) {
label.innerText = val;
label.style.color = "#c0392b";
} else {
label.innerText = "0";
label.style.color = "#666";
}
}
function calculateSGI() {
// Inputs
var basePremium = parseFloat(document.getElementById("basePremium").value);
var sdrScore = parseInt(document.getElementById("safetyRating").value);
var frequency = document.getElementById("paymentFreq").value;
// Validation
if (isNaN(basePremium) || basePremium 0) {
if (sdrScore >= 15) {
discountPercent = 0.25; // Max discount
} else {
// Approximate linear progression for SEO tool simplicity: ~1.66% per point
// Or simplified step: 2% – 25%
// Let's use a mapping for higher accuracy perception
var discountMap = [0, 0.02, 0.03, 0.04, 0.05, 0.06, 0.07, 0.08, 0.09, 0.10, 0.11, 0.12, 0.13, 0.14, 0.15];
// Actual SGI curve is steeper, often quoted as "up to 25%".
// We will use a linear calculation: (Score / 15) * 0.25 capped at 0.25
discountPercent = (sdrScore / 15) * 0.25;
if (discountPercent > 0.25) discountPercent = 0.25;
}
discountAmount = basePremium * discountPercent;
}
// SGI Penalty Logic (Financial Penalty)
// Usually $25 to $50 per point below zero.
if (sdrScore 0) {
rowDiscount.style.display = "flex";
rowPenalty.style.display = "none";
document.getElementById("resDiscount").innerText = "-$" + discountAmount.toFixed(2) + " (" + (discountPercent*100).toFixed(1) + "%)";
} else if (penaltyAmount > 0) {
rowDiscount.style.display = "none";
rowPenalty.style.display = "flex";
document.getElementById("resPenalty").innerText = "+$" + penaltyAmount.toFixed(2);
} else {
rowDiscount.style.display = "flex"; // Show 0 discount
rowPenalty.style.display = "none";
document.getElementById("resDiscount").innerText = "-$0.00";
}
document.getElementById("resSubtotal").innerText = "$" + subtotal.toFixed(2);
document.getElementById("resPst").innerText = "$" + pst.toFixed(2);
document.getElementById("resTotal").innerText = "$" + totalAnnual.toFixed(2);
var monthlyRow = document.getElementById("monthlyRow");
if (frequency === "monthly") {
monthlyRow.style.display = "flex";
document.getElementById("resMonthly").innerText = "$" + monthlyPayment.toFixed(2) + " /mo";
document.getElementById("resTotal").innerText = "$" + totalAnnual.toFixed(2) + " (Annual Base)";
} else {
monthlyRow.style.display = "none";
}
}
Understanding Your SGI Insurance Rate
Calculating your vehicle insurance in Saskatchewan involves understanding how the Saskatchewan Government Insurance (SGI) Auto Fund determines your premium. Unlike private insurance markets, SGI operates as a public auto insurer, meaning base rates are standardized based on vehicle history and type, while individual premiums are adjusted via the Safe Driver Recognition (SDR) program.
How This Calculator Works
The SGI Insurance Rate Calculator above provides an estimate of your annual registration and insurance costs by factoring in three main components:
Base Premium: This is the standard rate assigned to your specific vehicle make, model, and year. You can find this on your renewal notice or by using SGI's rate lookup tool.
Safety Rating (SDR): Your personal driving safety score, which acts as a multiplier to either discount your rate or add a financial penalty.
PST: The 6% Provincial Sales Tax applies to your insurance premium after discounts or penalties are applied.
The Safe Driver Recognition (SDR) Program
The most variable factor in your SGI insurance rate is your Safety Rating. This scale rewards safe driving habits and penalizes high-risk behaviors.
1. The Safety Zone (+1 to +25)
Drivers with a positive safety rating receive a discount on their basic plate insurance. The discount starts small (roughly 2%) and increases with every safe year of driving. The maximum discount is currently capped at 25%, which is achieved at a Safety Rating of +15 or higher.
2. The Neutral Zone (0)
New drivers or drivers with a balanced history start at zero. You pay the standard base premium for your vehicle with no discount and no surcharge.
3. The Penalty Zone (-1 to -20)
If you are responsible for a collision or receive traffic convictions, you lose points. A negative score results in a financial penalty (surcharge) on top of your base premium. Roughly speaking, every point below zero costs approximately $50, though severe offenses can trigger larger one-time penalties.
Annual vs. Monthly Payments
When registering your vehicle in Saskatchewan, you can choose to pay the full annual amount upfront or set up monthly withdrawals (AutoPay). It is important to note that monthly payments typically incur a finance fee, making the total yearly cost slightly higher—usually around 4% to 5% more than paying the annual lump sum.
Vehicle Classes and Impact
Your base premium depends heavily on your vehicle class:
Light Passenger Vehicles (LV): Standard cars, SUVs, and light trucks.
Farm Vehicles: Often eligible for lower base rates if used strictly for farming operations.
Motorcycles: Rates vary significantly based on engine displacement (cc) and potential loss risks.
Note: This calculator is an estimation tool. For exact quotes involving commercial vehicles, complex fleets, or specific package policies, please visit an SGI issuer directly.