As you know auto insurance in Saskatchewan is provided by a government-run insurance company, Saskatchewan Government Insurance (SGI). Everyone who wants to drive a car in Saskatchewan must, by law, buy a minimum amount of collision and comprehensive insurance and has the option to buy more to suit his or her needs. Saskatchewan drivers must purchase the compulsory minimum insurance from SGI.

When a vehicle owner purchases license plate(s) in Saskatchewan, they also purchase a basic package of insurance which includes coverage for damage to their own vehicle subject to a $700 deductible; coverage for personal injury as a result of a vehicle crash; and, liability insurance for damage their vehicle may cause to the property of others or injuries it may cause to other people. The basic liability insurance coverage is in the amount of $200,000.

SGI states that Saskatchewan auto injury insurance covers you for accidents occurring anywhere in Canada or the United States. You will have access to the coverage you have chosen. However, the laws in the jurisdiction you are in also apply, so if you are in a jurisdiction where lawsuits are allowed and you cause an accident, anyone injured may be able to sue you. Or inversely if someone else was at fault you can also sue them for both expenses above your insurance coverage and for pain and suffering, regardless of which injury coverage you have chosen.

The Personal Auto Injury Insurance program provides coverage for Saskatchewan residents injured in automobile accidents anywhere in Canada or the United States. Coverage provided depends on which of two auto injury products you choose – No Fault Coverage or Tort Coverage.

So it would appear that your auto insurance would cover you while in the US, however it is likely that these guidelines are for when you have traveled to the United States as a visitor not if you have moved and now plan on living in the US.

The SGI notes that if you move, or you move a vehicle to another jurisdiction, check with the motor vehicle licensing authority in that jurisdiction immediately. These rules must be followed to ensure your vehicle remains properly licensed and insured. So you should check with the DMV of the state which you are now residing to see if you are able to register and insure your vehicle there.

The SGI also notes that if you change your name and/or address, you must advise SGI of the changes in writing within 15 days, or call 1-800-667-4686 to register the change. So if you are now living in the US you need to inform them and see if you can keep your driver's license or if they will require you to obtain a US license and surrender your Canadian one.

For specific information on if your Saskatchewan auto insurance will remain in effect in you have moved to the US, you should contact the SGI Customer Service Centre at 1-800-667-9868.