Car insurance in South Africa
Car insurance is one of the biggest monthly costs for South African drivers, and premiums for the same car can differ by hundreds of rand between insurers. These guides compare the major insurers, explain comprehensive vs third-party cover, excess and add-ons, and help you pick cover that actually pays out when you claim.
Insurer reviews
Pineapple car insurance: review, contact numbers and claims
Pineapple car insurance reviewed: Drive Less, Get Blessed low-mileage cash back, OMART underwriter, contact details checked 29 September. Independent.
Budget Insurance car insurance: review, contact numbers and claims
Budget Insurance car insurance reviewed: budgetinsurance.co.za plans, excess, cash back bonus, contact and claims numbers, and how to quote.
Hippo.co.za car insurance: how the comparison works and who owns it
Hippo.co.za is a car insurance comparison site, not an insurer, and is owned by the Telesure group behind Auto & General, Budget and Dialdirect. How it works.
Santam car insurance: review, contact numbers and claims
Santam car insurance reviewed: contact and claims numbers checked 29 September, cover, excess, app and how to get a quote. Independent.
Discovery Insure car insurance: review, contact numbers and claims
Discovery Insure car insurance reviewed: contact and claims numbers checked 29 September, cover, excess, app and how to get a quote. Independent.
OUTsurance car insurance: review, contact numbers and claims
OUTsurance car insurance reviewed: contact and claims numbers checked 29 September, cover, excess, app and how to get a quote. Independent.
King Price car insurance: review, contact numbers and claims
King Price car insurance reviewed: contact and claims numbers checked 29 September, cover, excess, app and how to get a quote. Independent.
Sanlam car insurance: review, contact numbers and claims
Sanlam car insurance reviewed: contact and claims numbers checked 29 September, cover, excess, app and how to get a quote. Independent.
Affinity car insurance: Affinity Underwriting Managers and affinity schemes
Affinity car insurance explained: Affinity Underwriting Managers (FSP 40832) sells through brokers only. Its products, roadside contact and what to confirm.
MiWay car insurance: review, contact numbers and claims
MiWay car insurance reviewed: contact and claims numbers checked 29 September, cover, excess, app and how to get a quote. Independent.
Auto & General car insurance: review, contact numbers and claims
Auto & General car insurance reviewed: contact and claims numbers checked 29 September, cover, excess, app and how to get a quote. Independent.
FNB car insurance: review, contact numbers and claims
FNB car insurance reviewed: insured by FirstRand Short-term Insurance, who can apply, eBucks, cover options, claims contacts and the app.
Nedbank car insurance: review, contact numbers and claims
Nedbank car insurance reviewed: underwritten by Nedgroup Insurance, contact and claims numbers checked 29 September, cover, add-ons, app and quote.
Naked Insurance car insurance: review, contact numbers and claims
Naked Insurance car insurance reviewed: app-first cover, a flat excess you choose, CoverPause, contact numbers checked 29 September. Independent.
1st for Women car insurance: review, contact numbers and claims
1st for Women car insurance reviewed: contact and claims numbers checked 29 September, cover, excess, app and how to get a quote. Independent.
Dialdirect car insurance: review, contact numbers and claims
Dialdirect car insurance reviewed: contact and claims numbers checked 29 September, cover, excess, app and how to get a quote. Independent.
iWYZE car insurance: review, contact numbers and claims
iWYZE (Old Mutual iWYZE) car insurance reviewed: contact and claims numbers checked 29 September, cover, excess, app and how to get a quote. Independent.
Absa car insurance: idirect, Activate, contact numbers and claims
Absa car insurance reviewed: the idirect and Activate products, contact and claims numbers checked 29 September, excess, cash back, app and how to quote.
PSG Insure car insurance: review, contact numbers and claims
PSG Insure car insurance reviewed: contact and claims numbers checked 29 September, cover, excess, app and how to get a quote. Independent.
Guardrisk car insurance: review, contact numbers and claims
Guardrisk car insurance explained: a cell captive insurer in Momentum Group that does not sell to the public. Contact numbers and who pays claims.
Old Mutual Insure car insurance: review, contact numbers and claims
Old Mutual Insure (formerly Mutual & Federal) car insurance reviewed: claims and contact numbers checked 29 September, cover levels and how to get a quote.
PPS car insurance: review, contact numbers and claims
PPS car insurance reviewed: who can get it, contact and claims numbers checked 29 September, comprehensive cover, Profit-Share and roadside. Independent.
Safire Insurance car insurance: review, contact numbers and claims
Safire Insurance reviewed: a broker-only insurer with car cover inside its home policies and no tyre and rim product. Contacts checked 29 September.
Momentum Insure car insurance: review, contact numbers and claims
Momentum Insure car insurance reviewed: Safety Returns cash back, free 24/7 roadside assistance, contact numbers checked 29 September. Independent.
Standard Bank Insurance car insurance: review, contact numbers and claims
Standard Bank car insurance is a broker service that sources up to 5 quotes. Contact and claims numbers checked 29 September, cover, app and how to claim.
Dotsure car insurance: review, contact numbers and claims
Dotsure (dotsure.co.za), formerly Oakhurst: Name Your Price car cover, motor warranty, contact numbers checked 29 September. Independent review.
Hollard car insurance: review, contact numbers and claims
Hollard car insurance reviewed: how to buy through brokers, Naked or Dotsure, contact numbers checked 29 September, what cover includes. Independent.
Alexander Forbes car insurance: what happened and where to go now
You can no longer buy Alexander Forbes car insurance. The business became Momentum Insure, with numbers checked 29 September. What to check on an old policy.
Bryte car insurance: review, contact numbers and claims
Bryte car insurance reviewed: personal car cover through brokers, standalone cover via Oneplan, contact numbers checked 29 September. Independent.
Capitec car insurance: what is confirmed and what is not
Capitec car insurance: we could not confirm a Capitec private motor policy. What is verified about Capitec Life and credit life, and how to insure your car.
Virseker car insurance: review, contact numbers and claims
Virseker car insurance reviewed: an Auto & General brand. Contact numbers checked 29 September, cover, Kompak, cash back and how to get a quote.
Cross Country car insurance: review, contact numbers and claims
Cross Country car insurance reviewed: Ultimate Motor cover, published excess, contact details checked 29 September and how to get a quote. Independent.
Choosing cover
Best car insurance in South Africa
There is no single best car insurance in South Africa - the best insurer depends on your car, budget and driving. Compare the top companies here.
Comprehensive vs third party car insurance
Comprehensive vs third party car insurance explained for South Africa. Compare what each cover type pays for, the costs and which suits your car.
Best car insurance companies in South Africa
How to judge a car insurance company in South Africa rather than a premium: licensing, claims record, excess structure and what top 5 lists really mean.
Third party car insurance in South Africa
Third party car insurance in South Africa covers damage you cause to others but not your own car. See who it suits, its limits and TPFT options.
List of car insurance companies in South Africa
A working list of South African car insurance companies, brokers and comparison sites, what each one is, and how to check any of them is licensed.
Car insurance with no excess or low excess in SA
What does excess mean in car insurance? Learn voluntary vs compulsory excess, excess waiver and buyback, and why no-excess cover means a higher premium in SA.
Retail vs market vs trade vs agreed value car insurance
Retail value vs market value car insurance in SA explained, plus trade and agreed value, how payouts differ, and shortfall and top-up cover for financed cars.
Month-to-month and no-deposit car insurance in SA
Most car insurance in South Africa is month to month with no deposit. Learn how cancellation works, no fixed contract, pause-cover options and lapsing traps.
Do you need car insurance in South Africa?
Do you need car insurance in South Africa? It is not legally compulsory, but a financed car needs comprehensive cover. Learn the risks of driving uninsured.
Car and home insurance combined
Bundling car and home insurance can cut your premium and your admin, but not always. What multi-policy discounts really save and where they cost you.
Costs & premiums
Car insurance cash back and rewards compared
Budget, MiWay, OUTsurance, Santam, Dialdirect, iWYZE, Discovery and Pineapple cash back and driving rewards compared, checked on 29 September 2026.
Car insurance in South Africa in 2026: what has changed
What South African drivers pay for car insurance in 2026, the latest SAPS hijacking and theft figures, Ombud complaint data and the rule changes coming.
Cheapest car insurance in South Africa
The cheapest car insurance in South Africa is usually a direct or app based comprehensive or third party policy. Compare value insurers and the catches here.
How much does car insurance cost in South Africa?
How much is car insurance per month in South Africa? See indicative monthly ranges by cover type, car and driver profile, plus what moves the price.
What affects your car insurance premium in SA
What affects your car insurance premium in South Africa: your car, area, parking, age, claims, sum insured basis, excess and security all move the price.
Telematics and black box car insurance in South Africa
Telematics or black box car insurance in SA: how behaviour-based pricing works, plus Discovery Vitality Drive, Naked, Pineapple and dotsure options.
By driver
E-hailing car insurance for Uber, Bolt and inDrive drivers
Why personal car insurance does not cover Uber or Bolt trips, which insurers sell e-hailing cover, passenger liability and the operating licence you need.
Car insurance for young and under-25 drivers in SA
Car insurance for young and under-25 drivers in South Africa costs more. Learn why premiums are higher and practical ways to bring the cost down.
Car insurance for older cars in South Africa
Car insurance for older cars in South Africa: understand market, retail and agreed value, when to drop to third party, and when comprehensive still pays.
Business & commercial
Add-ons & extras
Rental car insurance and car hire excess cover
Rental car insurance in South Africa means three different things. What the counter waiver covers, what it excludes and how to avoid paying twice.
Car scratch and dent insurance
Scratch and dent cover pays for minor cosmetic repairs without touching your main policy excess. What it covers, the limits, and when it is worth buying.
Car warranty insurance
Car warranty insurance covers mechanical breakdown, not accidents. How extended warranties, service plans and your CPA rights differ in South Africa.
