The Saskatchewan Auto Fund operates on a self-sustaining basis. Unlike private insurance companies, we do not need to generate a profit - which means you pay less for your auto insurance.
The Auto Fund's philosophy helps keep rates low:
- Our philosophy is that all drivers should be treated equally unless their driving records show they are a greater risk for causing a collision. That means we don't use a driver's age, gender or where they live to determine a cost for their auto insurance.
- Because we don't need to track and consider all those factors, we don't have to do as much work as other companies to determine the insurance rate you pay.
- In dollars and cents, that helps us have among the lowest administration costs of any insurance company in the country which is reflected in Saskatchewan's lower auto insurance rates.
Use our basic plate calculator to see what it would cost to insure a specific vehicle.
Safe Driver Recognition program
Our Safe Driver Recognition (SDR) program rewards safe drivers in the Safety Zone with a discount on their basic vehicle insurance and ensures that drivers who demonstrate risky behaviours pay a financial penalty. Drivers with at-fault collisions and more serious traffic convictions are assessed demerit points that move them towards the Penalty Zone. Once they are in the Penalty Zone they are also assessed a corresponding financial penalty for each incident they're involved in.
History of Saskatchewan rates
Prior to lowering rates in 2007, our rates remained stable with no increase for 7 consecutive years.
| Year | % of rate increase or decrease |
| 2009 | 4.2 (with rebalancing) |
| 2008 | 0.0 |
| 2007 | 7.1 decrease (rate rebalancing) |
| 2006 | 0.0 |
| 2005 | 0.0 |
| 2004 | 0.0 |
| 2003 | 0.0 |
| 2002 | 0.0 |
| 2001 | 0.0 (rate rebalancing) |
| 2000 | 2.0 increase |
| 1999 | 2.0 increase |
| 1998 | 5.0 increase |
Rate rebalancing
In order to keep rates fair, rates are periodically rebalanced. Rate rebalancing is when premiums are increased for some vehicles and lowered for others, depending on factors such as the collision history and repair costs for each model of vehicle.
