Bold styling, real-world reliability — and insurance premiums that won't surprise you.
Compare Seltos quotes →| Variant | Year | Est. monthly premium |
|---|---|---|
| Seltos 1.5 SX | 2022–2026 | R950 — R1,400 |
| Seltos 1.5 EX+ | 2021–2026 | R800 — R1,200 |
| Seltos 1.5 EX | 2020–2026 | R700 — R1,050 |
| Seltos 1.5 LX | 2020–2026 | R650 — R980 |
Estimates based on a Kia Seltos at trade value R355,000. Low-risk driver profile. Comprehensive cover.
| Insurer | Comprehensive | TPFT | Third Party |
|---|---|---|---|
|
Pineapple
Lowest
|
R602/mo | R301/mo | R120/mo |
| R783/mo | R392/mo | R157/mo | |
|
Momentum Insure
|
R932/mo | R466/mo | R186/mo |
| R1,011/mo | R506/mo | R202/mo | |
| R1,135/mo | R568/mo | R227/mo | |
| R1,243/mo | R622/mo | R249/mo | |
| R1,243/mo | R622/mo | R249/mo |
Estimates are indicative only. Actual premiums depend on your age, address, claims history, and vehicle condition. TPFT and third party figures are approximate.
Kia's 5-year warranty is excellent, but once it expires your engine, gearbox, and electronics are uncovered. An extended warranty fills that gap — pair it with your insurance for complete protection.
The Kia Seltos has become one of the most popular compact SUVs in South Africa since its local launch, competing directly with the Hyundai Creta, Volkswagen T-Cross, and Haval Jolion. Its retail price — typically between R380,000 and R430,000 — places it in a mid-tier insurance band where premiums are competitive but not as low as entry-level hatchbacks.
Kia's strong service network and the ready availability of genuine parts in South Africa are both positive factors for insurers. The Seltos claims a manageable rate in the SA market, and its 5-year/150,000km warranty signals build quality that underwriters take into account when pricing cover.
1.5 SX — top-spec with the highest retail price. Loaded with tech including a panoramic sunroof, Bose sound system, and advanced driver aids. These features add to the replacement cost and lift premiums R150–R250/month above the base spec.
1.5 EX+ — the popular mid-spec with most of the desirable features. Sits in the sweet spot for insurance — enough standard equipment to be worth insuring comprehensively, without the SX premium loading.
1.5 EX and 1.5 LX — entry specs with lower retail values translate to the most affordable comprehensive premiums in the Seltos range. Good choice for buyers focused on total cost of ownership.
The Seltos and Creta share platforms and are priced similarly in SA. Insurance premiums are typically within R50–R80/month of each other on comparable profiles. The Seltos tends to attract a slight premium on higher specs due to its marginally higher retail price, but the difference is minor — both are competitively priced by SA insurers.
Fitting a Kia-approved or insurer-recognised tracking device (Netstar, Mix Telematics, Cartrack) is the single highest-impact action — expect 8–15% off your comprehensive premium. Garage parking, a clean claims history, and voluntarily increasing your excess all contribute further savings. Shopping the market annually is essential: the Seltos segment is competitive and insurers actively bid for new business.