Car insurance prices by model South Africa
Insurance Price Guides

Car Insurance Prices by Model

Real price estimates for South Africa's most popular vehicles — grouped by type, with comprehensive, TPFT, and third-party breakdowns.

Built from real SA insurer data

Model-specific price ranges — not national averages

Insurance costs vary significantly by vehicle type, model, year, and insurer. These guides use actual SA insurer rate data modelled against trade value — not generic averages. Click any model for the full breakdown with insurer-by-insurer comparison.

How to read these prices: The “from” price is the lowest typical comprehensive premium for that model range, based on a low-risk driver profile. Your actual quote depends on your age, address, claims history, and which insurer prices your vehicle most competitively. Get personalised quotes to see your real number.

Bakkies

5 guides

The most stolen vehicles in SA. Expect higher premiums and a tracking device requirement as standard.

SUVs & Crossovers

9 guides

Wide price range by brand and value. Chinese SUVs typically insure cheaper than Japanese or European equivalents.

Hatchbacks

9 guides

The most affordable segment to insure. Low theft risk, competitive pricing, and all major insurers cover them.

MPVs

2 guides

7-seater family vehicles. Insurance premiums track closely with hatchbacks of equivalent trade value.

Sedans

1 guides

Practical family cars with modest insurance costs relative to their cabin space.

Chinese Cars

5 guides

SA's fastest-growing segment. Chery, Omoda, GWM, Jetour, and BYD — insurance costs, what to watch for with newer brands, and which insurers price them best.

Brand Guides

6 guides

Full-range guides covering multiple models — for when you want to compare across a brand rather than a single car.

Common questions

What South Africans ask about car insurance prices

Which cars are cheapest to insure in South Africa? +
Entry-level hatchbacks with low retail values and low theft rates are the cheapest to insure. The Suzuki S-Presso, Hyundai Grand i10, Toyota Starlet, and Volkswagen Polo Vivo consistently attract the lowest premiums. Comprehensive cover can start from under R300/month for a low-risk driver on the most affordable models. Read the full guide →
Why are bakkies so expensive to insure? +
Bakkies — particularly the Toyota Hilux, Ford Ranger, and Isuzu D-Max — are among the most stolen vehicles in South Africa. High resale value, strong parts demand, and organised vehicle crime syndicates all drive theft rates up. Insurers price this risk directly into the premium. A tracking device is typically required as a condition of theft cover and can reduce the premium by R200–R400/month. See Hilux price guide →
Are Chinese SUVs cheaper to insure than Japanese ones? +
Generally yes — because Chinese SUVs like the Haval Jolion, Chery Tiggo, and GWM Haval H6 have lower retail prices than comparable Japanese or European models. Since comprehensive premiums are largely driven by the vehicle's trade value, a lower purchase price means a lower premium. The gap is typically R150–R400/month compared to an equivalent-sized Toyota or VW. However, some insurers add a loading for Chinese brands due to parts lead times and thinner claims data. See Haval Jolion price guide →
Does my car model affect my insurance premium? +
Yes — significantly. Insurers rate every vehicle individually based on its retail value, theft frequency, repair cost, and parts availability. Two drivers with identical profiles but different vehicles can pay premiums that differ by over R1,000/month. Read the full guide →
Should I choose comprehensive or third-party cover? +
For any vehicle worth more than R100,000, comprehensive cover is almost always the right choice. The cost of replacing or repairing after an accident or theft far exceeds the monthly saving from dropping to TPFT. Third-party only cover makes sense for older, low-value vehicles where the annual premium approaches the vehicle's trade value. Read the full guide →