The farmer and fleet manager's bakkie of choice. Here's what insurance costs in 2026.
Compare D-Max quotes →| Variant | Year | Est. monthly premium |
|---|---|---|
| D-Max 3.0 X-Terrain / Hi-Ride 4x4 | 2022–2026 | R1,900 — R2,700*estimate |
| D-Max 1.9 TD Hi-Ride 4x4 | 2020–2024 | R1,400 — R2,100*estimate |
| D-Max 1.9 TD 4x2 double cab | 2018–2022 | R1,100 — R1,700*estimate |
| D-Max 2.5 TD 4x4 (previous gen) | 2012–2018 | R850 — R1,400*estimate |
| D-Max single cab / xtra cab | Various | R700 — R1,200*estimate |
Estimates based on a 2021 Isuzu D-Max 3.0 Hi-Ride 4x4 double cab, 40-year-old male driver, low risk profile, private use, garage parking.
| Insurer | Comprehensive | TPFT | Third Party |
|---|---|---|---|
| ~R1250*estimate | ~R685*estimate | ~R315*estimate | |
| ~R1420*estimate | ~R780*estimate | ~R355*estimate | |
|
Momentum Insure
Lowest
|
~R1195*estimate | ~R655*estimate | ~R300*estimate |
| ~R1425*estimate | ~R780*estimate | ~R360*estimate | |
| ~R1335*estimate | ~R735*estimate | ~R335*estimate |
* Estimates only. Your actual premium depends on vehicle year, location, driving history, and cover options. Get quotes to confirm.
These are actual monthly premiums published by the insurers themselves, recorded from their own adverts and direct quotes. They are not modelled, calculated or estimated figures. Each one applies to the specific vehicle and driver listed.
| Insurer | Vehicle | Driver | Actual premium |
|---|---|---|---|
| OUTsurance | 2021 D-Max 250 | Male, age 34 | R945*actual advertised price |
*actual advertised price = a real premium the insurer published in its own advertising. *actual quoted price = a real premium an insurer gave a specific driver. Neither is an estimate. Your own premium will differ with your age, address, claims history and cover.
Insurance covers accidents and theft. An extended warranty covers engine, gearbox, and electrical failures when your manufacturer warranty expires. Get both and you're fully covered.
The Isuzu D-Max has built a loyal following among farmers, fleet operators, and commercial users across South Africa. Its reputation for reliability and low cost of ownership extends to the insurance market — while premiums are high in absolute terms (reflecting the vehicle's retail value), the D-Max is generally well-regarded by insurers from a claims perspective.
The latest generation D-Max (from 2022) uses a more modern platform with higher specification and a higher retail price, which has pushed premiums up relative to previous generations. The X-Terrain and 4x4 variants in particular have entered bakkie premium territory comparable to the Hilux and Ranger.
A significant proportion of D-Max owners use their vehicles for commercial purposes — farming, contractor work, game lodge transport. If your D-Max is used for any commercial activity, you must declare this and insure accordingly. A private-use policy that excludes commercial use can result in a total claim rejection.
Agricultural use loading varies widely between insurers. If your D-Max is primarily a farm vehicle, comparing insurers who specialise in agricultural cover — or who have explicit agricultural use products — is worth the effort.
Single cab and xtra cab D-Max variants are materially cheaper to insure than double cabs. The retail price difference between a single cab workhorse and a double cab flagship can be R200,000 or more — which flows directly into a lower insured value and lower monthly premium.