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Whether you’re using your all-terrain vehicle (ATV) for farm work, weekend trail riding, or backwoods hunting, Saskatchewan’s unpredictable terrain comes with benefits and risks. To operate an ATV off private property, you’ll need to purchase liability insurance through SGI. But, as per regulations, this coverage only provides minimal protection, which leaves gaps for theft, damage, medical costs, lawsuits, and more. That’s where private insurance comes in. At BrokerLink, we help ATV owners find affordable insurance for their vehicles, so they can ride stress-free.
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ATV insurance is a type of coverage specifically designed for off-road vehicles, including quads, utility ATVs, side-by-sides, UTVs, dune buggies, and other similar vehicles. Because ATV use is different from standard vehicles, finding the right coverage is essential to protecting your interests and finances in the event something goes wrong.
In Saskatchewan, ATVs don’t require registration with SGI like a standard car. However, to operate an ATV on public land, you need a minimum of $200,000 in third-party liability insurance. This liability coverage only protects you against damages and injuries you cause to others. It doesn’t cover damage to your own ATV, theft, or other risks you encounter, unless you purchase additional coverage through a private insurance company.
Saskatchewan’s open terrain, forests, and rural properties make ATV riding exciting—but also risky. Rollovers and getting stuck can happen quickly in fields, hills, ravines, wetlands, or deep mud. Wildlife collisions (deer, moose, bears) are another real hazard, especially at dawn or dusk. Add in weather extremes like hail, windstorms, flooding, and sudden shifts that can damage an exposed ATV or even the structures where it’s stored. Theft is also a concern in rural sheds, barns, and driveways. 3,404 vehicles were stolen across the province in 2024, and injuries can lead to expensive medical bills and liability claims.
For example, imagine you ride near Regina and store your ATV in a farm shed. A windstorm knocks a tree through the roof and damages the ATV. With SGI insurance only, that damage may not be covered, meaning you pay out of pocket. With extended coverage, you’d typically pay your deductible, and your insurer would cover the remaining eligible repair or replacement costs.
By law, to operate your ATV in public areas, like roadways, trails, etc., you must carry at least SGI liability insurance. Here’s what you need to know about what liability coverage includes:
Third-party liability insurance
Personal injury protection plan
Collision coverage
Comprehensive coverage
Higher liability limits
Accessories and custom parts
Medical/passenger liability
Loss of use coverage
Trailer insurance
Seasonal lay-up insurance
Third-party liability insurance covers you in the event you cause bodily injuries or property damage to a third party while operating your ATV. IN the event a claim is filed against you, third-party liability will cover medical costs, repairs, replacements, legal fees, and settlement expenses, up to $200,000, unless you’ve purchased higher limits.
Because Saskatchewan operates under a no-fault injury system, basic medical and rehabilitation costs are automatically covered under provincial law under the personal injury protection plan, also known as accident benefits in other provinces.
Collision insurance covers you if you are involved in an at-fault accident with another recreational vehicle or a single-vehicle collision with a rock, tree, or uneven terrain. After paying for your deductible, this physical damage coverage will help pay to repair or replace your ATV if it is a total loss.
Comprehensive is also worth considering. This ATV insurance protects your ATV against non-collision losses, including theft, vandalism, fire, hail, water damage, falling or flying objects, and other extreme weather conditions. With the province’s unpredictable weather patterns, theft in both rural and urban areas, and wildfires, having this coverage in place is recommended for all recreational vehicles.
While $200,000 in liability is the minimum requirement with SGI, it may not be enough to cover expenses in a serious liability claim. That’s why many ATV owners opt for higher limits up to $1 or $2 million for added peace of mind.
If you’ve added winches, snow plows, racks, GPS units, upgraded your tires, or implemented other custom parts on your ATV, it’s important to remember that these additions increase the value of your vehicle. Standard insurance likely excludes your accessories and custom parts, which is why adding this endorsement to your plan ensures all repairs or replacements needed will be covered by your insurance company.
If your ATV carries passengers, you may want to think about additional medical coverage. This will cover any remaining costs that aren’t covered by your provincial plan, ensuring you and your passengers can recover without financial stress.
If your ATV is in the shop after a collision, loss of use coverage will help pay for a rental ATV or compensate you for your downtime. Ultimately, this policy prevents you from being stranded when you need your ATV the most, and is especially worth the investment for farmers and other business owners who use ATVs during their daily operations.
Trailer insurance comes in handy if you haul your ATV using a trailer. Whether that’s to Aspen Grove for fun on the beach, to the trails on Moose Mountain or Cypress Hills, or along the highway for work. Trailer coverage protects the trailer itself and your ATV if it is lost or damaged in transit or while parked.
Many riders only use their ATV during the warmer months of the year. Seasonal lay-up insurance allows you to reduce your coverage during the off-season, so you can save money on your premiums. Most of the time, lay-up insurance allows you to drop liability coverage and maintain theft, fire, and weather damage coverage to ensure your ATV is protected while it’s stored away during the winter.
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Finding the right coverage for your ATV in Saskatchewan doesn’t mean you have to stretch your budget to ensure you have full coverage. There are ways you can save money on your premiums without cutting back on your level of protection. Here are some practical tips you can use when buying coverage:
Bundle your ATV insurance coverage with your home insurance, car insurance, and other insurance policies with the same provider. Doing so can help you save up to 15% off on your premiums.
The fewer claims you have on your file, the better your rates will be over time. The longer you go without a claim, the lower your premiums will be.
Insurers often reward riders who have taken an approved ATV safety course. Not only does this training reduce your risk of being involved in an accident, but it can also qualify you for discounts. Consider organizations like Rider Rite or the Saskatchewan Safety Council to sign up for an accredited course.
A deductible is the amount you pay to your insurance company when filing a claim before your coverage kicks in to cover any remaining costs. By increasing your deductible, you’re essentially taking on more of a financial burden, and doing so can lower your premiums slightly; you’ll just need to pay more if you file a claim.
Insurance companies add a 3 to 5% surcharge to customer accounts who pay monthly, as it costs them money to process each payment (think labour costs). So, to avoid this surcharge, consider paying for your premium up front.
If you only use your ATV during the summer time, you may want to opt for seasonal lay-up insurance. Doing so will pause your liability insurance, lowering your premiums, while also keeping your vehicle safe from non-collision damages or losses.
Insurers take your storage situation into account when calculating rates. Keeping your ATV stored in a locked garage, shed, or storage unit with an alarm system and video cameras can help reduce your risk profile and potentially qualify you for savings on your insurance rates.
Insurance brokers in Saskatchewan work separately from insurers. This means they’re able to help you shop around, compare quotes, unlock discounts, and work on your behalf to customize a policy that fits your needs and budget. The best part of all? You can work with a broker for free any time!
Just like no two ATVs are the same, no two insurance premiums are identical either. Insurers in Saskatchewan consider several factors when determining your rates, similar to how car insurance rates are calculated. Ultimately, the higher your risk profile is, the more you can anticipate paying. The lower your risk profile is, the more you’ll save. Here are some of the most common factors you can anticipate being graded on:
Lightweight sports ATVs tend to be riskier to operate because they are built for speed and stunts on tough terrain, which means you’ll pay more for coverage if you own one. Utility quads used for farm work often cost less to insure, while side-by-sides and UTVs generally have expensive premiums due to their size, passenger capacity, and engine power.
The more powerful your ATV engine is, the higher the potential for accidents and costly damage. For example, an ATV with a 450cc engine is less of a risk for accidents compared to a 1000cc engine, given that the vehicle can’t travel as fast.
Younger riders and those with limited experience operating an ATV are usually quoted higher insurance rates, given their increased risk of being involved in a collision. On the other hand, older, more experienced riders with a clean driving record often enjoy lower rates, given their lower risk profile.
The more claims you have on your file, the more likely you are to file another in the future, which increases your risk profile and rates. In contrast, no claims
An ATV that is primarily used for farm work may be considered a lower risk to insure compared to a high-speed recreational vehicle used for trail riding or on hunting trips through deep, rough terrain.
Where you park and store your ATV also matters when it comes to your insurance rates. For example, storing your ATV in a locked garage or shed with an alarm system is a lot safer than leaving it unattended on your driveway or in an unsecured barn. The more secure your ATV is, the lower your risk profile will be.
Choosing a higher deductible and opting for basic coverage with lower limits will keep your insurance premiums low. But you won’t be as protected should you need to file a claim. In contrast, opting for additional insurance and higher limits will increase your premiums, but you’ll receive more financial protection against different hazards.
Where you live in Saskatchewan also plays a big role in your premiums. Riders in larger urban areas like Saskatoon or Regina may see higher premiums as theft rates in urban cities are higher than in more rural areas. That said, rural areas aren’t immune to risks either. For example, storing your ATV on your property in Prince Albert, Moose Jaw, or Yorkton can also expose you to harsher weather conditions.
Here is some more information we think you should take note of when insuring your ATV in Saskatchewan.
Two terms you’ll hear when purchasing coverage is replacement cost and actual cash value. Here’s what these terms mean, and how they can affect your coverage:
Replacement cost coverage reimburses you the amount it would cost to replace your ATV with a brand-new, comparable model after a covered peril that leads to a total loss. The advantage of this is that you would not lose any money due to depreciation. For example, if your ATV is five years old, you would get a brand-new one regardless. The only trade-off to this type of compensation calculation is that your premiums will be more expensive.
Actual cash value, on the other hand, pays the fair market value of your ATV at the time of the loss due to a covered peril by factoring in depreciation. For example, if you paid $12,000 for your ATV three years ago and its current value is $7,000, that is the payout you will receive following a total loss. Ultimately, ACV policies come with lower premiums, but they may leave you with higher out-of-pocket costs if you need to replace your ATV with a new model.
Knowing how the claims process works in Saskatchewan is essential to getting compensated for your loss as quickly and smoothly as possible. If a covered peril has occurred, here is what you need to do:
Contact your insurance provider and report the incident to them as soon as possible.
Take photos and videos of the damage to your ATV. Note the time of day and details about what happened.
If others are involved, make sure to exchange information with them.
Once your claim has been started, you’ll have an adjuster assigned to your case. They will review your evidence and set up a time to examine your ATV in person.
If your ATV is repairable, they will have you meet with a repair technician and get a quote. Once your quote is approved, you can go ahead and have your ATV repaired.
After repairs are complete, your insurance provider will compensate you for your loss.
Do you have questions about filing claims? Contact a broker from BrokerLink for assistance! We’ll go over your policy with you, answer your questions, and ensure you feel ready before reaching out to your provider and starting the claims process.
For many Saskatchewanians, owning an ATV is more than just a recreational vehicle; it’s part of their everyday life. Whether you’re hauling chicken feed on your farm, heading out on the trails near Prince Albert National Park, or hunting with friends outside of Yorton, you deserve coverage that keeps up with how you use your ATV. At BrokerLink, we work with top insurers, helping customers shop around, compare policies, and customize insurance plans that work for them.
Don’t leave your investment or peace of mind at risk. Talk to a local broker from BrokerLink who understands the unique challenges and needs of Saskatchewan riders. Get started today with a free quote using our online quote tool right away and get back out onto the trails, confidently, in no time.
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Yes, if you plan on using your ATV in public areas, you will need to purchase basic SGI liability insurance. However, even if you ride your ATV on private property, insurance is still highly recommended, as the risk of theft, damage, accidents, and liabilities can still occur.
Accessories are generally not covered under SGI insurance. You will need to purchase separate private insurance specifically tailored to your accessories.
If your ATV is stolen from your property, your insurance provider will pay for replacement costs provided that you have added comprehensive coverage to your standard SGI insurance plan. Remember, this policy is optional and only available through private insurance companies. Otherwise, you will be left paying for any replacements out of your own pocket.
Yes, a good majority of ATV owners in Saskatchewan and the rest of Canada, for that matter, only use their ATV in the summertime. Seasonal lay-up coverage lets you pause your liability insurance during the off-season while maintaining comprehensive coverage while your ATV is parked.
Yes, youth riders will pay more for coverage compared to older, more experienced riders, given that they are at a higher risk of being involved in an accident.
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