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As Saskatchewan’s capital and its second-largest city, Regina is a hub that keeps growing and moving, and life on the road reflects that pace. One day you might be navigating the morning rush along Albert Street or Ring Road, the next you’re cruising down Victoria Avenue past shops and restaurants, dodging geese near Wascana Lake, or heading out of the city toward the Qu’Appelle Valley for the weekend. Winter winds whip across the open prairie, summer storms can roll in quickly, and game days bring heavier traffic near Mosaic Stadium.
That variety means your car insurance needs to be more than a formality. Yes, you need it to stay legal, but it’s also what protects you when a sudden storm sweeps across the prairie or when that driver in front of you forgets what a turn signal is.
At BrokerLink, we know Regina’s roads because we drive them, too. We’re here to help you find coverage that balances both affordability and peace of mind. Contact us today to start your free Regina car insurance quote from BrokerLink.
BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.
In Regina, car insurance starts with Saskatchewan Government Insurance (SGI)’s basic plate insurance. This is the coverage every driver in Saskatchewan needs to get on the road. It includes:
Liability protection if you injure someone or damage their property
Injury benefits if you’re hurt in a collision
Damage coverage for your vehicle
But while basic coverage is the starting point, it doesn’t always stretch far enough for the risks that Regina drivers face. That is where extended coverage with a package policy comes in. With SGI CANADA’s Auto Pak or coverage from a private insurer, you can shape your policy to fit your lifestyle. Maybe that means raising your liability limits for extra peace of mind, lowering your deductible to avoid steep out-of-pocket costs, or adding replacement cost coverage for your brand new vehicle.
And the numbers show why many drivers look beyond the basics. SGI’s 2023 Traffic Collision Statistics report that Regina recorded 4,527 collisions, 1,122 injuries, and five deaths, more than a dozen crashes a day. It also identifies Dewdney Avenue and Lewvan Drive as the city’s most collision-prone intersection, followed closely by Aurora Boulevard and Victoria Avenue East. Without the right insurance, the costs of repairs, medical bills, theft, or weather damage can land on you. With stronger coverage in place, you can handle a claim and get back on the road without absorbing the full financial hit alone.
With more people on the road in Regina than in most of the rest of Saskatchewan, traffic here can feel unpredictable, and the weather rarely makes it easier. That is why knowing what your insurance actually covers is essential. SGI’s basic plate insurance gives every driver the essentials, but for many Regina residents, it’s only the starting point. Here is a closer look at what is included automatically, as well as what you can add on to make your coverage more complete.
Basic auto injury insurance
Basic auto damage insurance
Third-party liability coverage
Increased liability coverage
Increased injury insurance coverage
Family security coverage
Lowered deductibles
Loss of use coverage
Road hazard glass coverage
Replacement cost coverage
Non-owned automobile coverage
Unregistered vehicle coverage
Every driver in Saskatchewan has injury insurance, with the choice between no-fault or tort coverage. No-fault provides benefits no matter who caused the crash, covering things like medical care, rehabilitation, and income replacement. Tort gives you the right to sue for certain damages, but typically comes with more limits on benefits.
Basic auto damage insurance combines collision coverage and comprehensive coverage, so you’re insured if your car is damaged in a crash, stolen, vandalized, or hit by events like fire, hail, or falling objects. This protection comes with a $700 deductible for most passenger vehicles.
Liability coverage steps in if you’re in an at-fault collision that causes third-party bodily injury or property damage. It helps cover the other person’s medical costs and repairs, and even your legal defence expenses. Basic plate insurance includes $200,000 in liability coverage.
The standard $200,000 limit from basic coverage may not be enough in a serious collision. With a package policy, you can increase your liability coverage up to $5 million. This gives you more financial protection in a city where busy streets and higher traffic volumes make collisions more likely.
The standard injury benefits provide a baseline, but not every family feels comfortable with that level of support. Increased injury coverage allows you to raise the benefits available to you and your passengers if a crash results in serious injuries.
Adding family security coverage can help protect you and your loved ones if you’re injured by someone who is uninsured or underinsured. This coverage helps fill the gap so you’re not left paying the price for someone else’s lack of coverage.
Not everyone can quickly come up with an extra $700 out of pocket in the event of a claim. A package policy gives you the option to reduce your deductible to $500, $350, $200, $100, or even $50.
If your car is in the shop after an accident, loss of use coverage helps cover the cost of a rental vehicle or alternative transportation, such as public transportation, Uber, or taxis, while you wait for your vehicle to be repaired.
Drivers in Regina know how common windshield chips and cracks can be, especially if they spend a lot of time on highways like Highway 11, Highway 6, Highway 33, and the Trans-Canada, where heavy truck traffic often kicks up rocks and debris. This coverage helps by lowering the deductible on glass repairs from $700 to $200, $100, or even $50, making it easier and more affordable to fix damage before it spreads.
If you own a newer car, replacement cost coverage can help make sure that, instead of receiving the depreciated value if your vehicle is written off, you get the full cost of a brand-new replacement within the first three years.
If you frequently rent or borrow vehicles, non-owned automobile coverage extends your protection. It ensures you’re not left vulnerable if the owner’s policy does not fully cover a loss. This can be particularly useful for business travellers or Regina residents who sometimes drive vehicles outside their household.
Some vehicles spend part of the year off the road, like seasonal vehicles or collector cars. Unregistered vehicle coverage keeps them protected from risks like fire or theft while they’re stored or being moved before registration.
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Car insurance might never be your favourite bill, but it doesn’t have to feel like an unavoidable drain on your wallet. In a busy city like Regina, where collisions, thefts, and unpredictable weather are all part of the mix, it pays to know how to keep your costs under control. With a combination of SGI programs and advice from a local broker like BrokerLink, there are plenty of ways to help you stretch your dollar further.
Good habits behind the wheel really do pay off. Through SGI’s SDR program, every year you go without a collision or conviction earns you points, each worth 2% off your basic insurance, up to a maximum of 25%.
Households with more than one vehicle can often benefit from a multi-vehicle discount. Whether it’s a second car, a truck, or even a motorcycle, insuring them together can often trim your costs.
If medical reasons keep you from driving, SGI offers a discount of up to 25% on basic plate insurance, depending on the vehicle.
If you also insure your home, bundling your property and extended auto coverage with the same provider can earn you savings.
SGI uses the Canadian Loss Experience Automobile Rating (CLEAR) system to measure how risky a vehicle is based on repair costs, theft history, and safety records. If you’re car shopping in Regina, it might be worth checking the CLEAR rating before you buy.
Deductibles are one of the most direct ways to shape your premium. Leaving it at the $700 standard can help keep costs balanced. But if you’ve already lowered it, raising it back up can help lower your premium.
Life changes, and so should your insurance. If you’re driving less, if you’ve paid off a loan, or if someone new in the household is now licensed, revisiting your policy could reveal savings.
A Regina broker knows the realities of driving here, like the bottlenecks on Ring Road, the icy morning commutes, and even the hotspots for fender benders. That local insight, combined with the ability to compare extended policies across multiple insurers, helps them make sure you’re not paying more than you need to.
In Regina, everyone starts on the same playing field. Unlike in many provinces, SGI does not look at your age, gender, or postal code to set your base premium. A driver navigating the rush on Ring Road is measured by the same standards as someone commuting across Victoria Avenue or cruising out toward the Qu’Appelle Valley.
So what actually decides what you pay? When it comes to extended coverage, private insurers might look at more factors, but what it really comes down to is the choices and circumstances that reflect how you drive and what you drive. Here’s how some of those factors work in Regina:
With the SGI Safe Driver Recognition program (SDR), everyone starts in the neutral zone with no discount. But, for each year you go without a collision or traffic conviction, you climb one step higher and earn a 2% discount on your basic premium. Over time, that can equal savings of up to 25%.
It also works in reverse. Collisions, speeding tickets, and distracted or impaired driving can push you down into the penalty zone, where instead of car insurance discounts, you pay extra for every incident.
SGI uses the Canadian Loss Experience Automobile Rating (CLEAR) system, which looks at how often specific vehicles are in crashes, how expensive repairs are, and whether the model is more likely to be stolen. That means a newer vehicle with strong safety features may earn you a better rating, while a high-theft or high-repair-cost model could land you in a pricier category.
For many Regina drivers, basic plate insurance isn’t enough. Adding a package policy through SGI CANADA or another private insurer lets you increase your liability limits, lower your deductible, or add extras like replacement cost coverage and loss of use protection.
Yes, these add-ons will likely raise your premium, but they also help you avoid major out-of-pocket expenses. In a busy city where collisions and thefts are more common, you may decide that the extra protection is worth the price.
Your deductible is the amount of money you pay before your insurance covers the rest of a claim. The default with SGI’s basic plate insurance is $700 for most passenger vehicles. Through a package policy, you can choose to lower it to $500, $350, $200, $100, or even $50, to help keep your out-of-pocket costs more manageable if you need to file an insurance claim. Just keep in mind that lowering your deductible often leads to an increase in your insurance premiums.
Kind of. If you’re using your car for rideshare services in Regina, you must still carry SGI’s basic plate insurance. For example, if you’re driving for Uber, once you accept a ride through the app, Uber itself pays an extra premium to SGI that gives you enhanced coverage to cover you during that trip. If damages exceed the $200,000 liability limit of your basic plate insurance, Uber’s additional coverage kicks in, offering up to $2 million in liability protection.
However, your personal package policy (the enhanced coverage, like higher liability, lowered deductibles, replacement cost coverage, etc.) only applies when you’re using your vehicle for personal driving. Once you’re on a rideshare trip, those enhancements are no longer in effect until the ride is complete. This means that your basic auto damage insurance will still apply to your vehicle if you’re in a collision during the trip. But your optional benefits, such as a lower deductible or replacement cost for a newer car, will not.
If you’re considering driving part-time or running deliveries to make a little extra on the side, make sure to keep the following in mind:
You need to keep your SGI plate insurance active for personal use
Rely on the Uber (or other company)-provided insurance when accepting rides through the app
Avoid making insurance claims on rideshare or delivery-related incidents through your personal policy
If you’re planning to drive full-time for a non-rideshare business (e.g., deliveries), you may need to look into formal business or commercial insurance coverage. Reach out to BrokerLink today, and we’ll walk you through exactly what types of coverage you’ll need.
From early commutes to late-night events, Regina always seems to be on the go. Morning traffic builds along Ring Road, afternoons bring families to Wascana Lake, and evenings light up near Mosaic Stadium or the Brandt Centre when the city comes together for a game or a show. As Saskatchewan’s capital and a fast-growing city, Regina keeps evolving, yet it still holds on to the prairie spirit that makes it feel like home.
We know those moments because we live them too. We shopped at the local farmer’s market on Saturday mornings and danced to the music at the annual Folk Festival in Victoria Park. We’ve crawled through downtown detours, braced against the icy winds on Victoria Avenue, and circled around downtown looking for that elusive parking spot.
At BrokerLink, that shared experience is what guides our advice. When you meet with one of our advisors in Regina, you’re sitting down with someone who knows the city, understands its challenges, and cares about the people who call it home. We’ll work with you to build coverage that makes sense for your budget and the way you drive in Regina.
At Regina BrokerLink, we’re here to help our customers with any insurance needs they may have. Whether it’s car insurance, home insurance, business insurance, travel insurance, farm insurance, or even pet insurance, let us build you a policy with the right insurance products that truly fit your lifestyle.
If you’re ready to purchase car insurance in Regina, contact BrokerLink. You can reach us by phone, email, or in person at any one of our locations throughout Saskatchewan. No matter how you choose to get in touch, a BrokerLink insurance advisor will be happy to assist you. We also encourage you to take advantage of our free online quote tool that can provide you with a competitive quote in minutes.
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One of the unique things about Saskatchewan is that SGI does not base your plate insurance premiums on where you live. Everyone pays the same base rates whether they’re in Regina or a small rural town. That said, costs can feel higher in the city if you choose to add extra coverage through a package policy, since city driving comes with more collision and theft risk.
While SGI’s basic plate insurance provides liability, injury benefits, and damage coverage, many Regina drivers find it isn’t enough on its own. Extended coverage, often called a package policy, allows you to increase your liability limits, lower your deductible, add replacement cost coverage, or include loss of use. In a busy city where collisions are more common, those add-ons can provide quite a bit of extra peace of mind.
Saskatchewan has some of the lowest average premiums in Canada, but individual rates vary depending on your vehicle, driving record, and optional coverage choices. As for Regina drivers, the cost varies more depending on those personal factors than on the city itself.
To find the cheapest insurance for a car in Regina, start by checking the CLEAR rating of the vehicles you’re looking at buying. SGI uses this rating system to help determine your base premium. Generally, vehicles with a strong safety rating will rank better and come with lower premiums. To save on extended coverage, you can work with a local Regina broker. They can compare multiple package policy quotes to find one that fits your budget.
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