South Africa\'s most affordable new car — and one of the cheapest to insure.
Compare S-Presso quotes →| Variant | Year | Est. monthly premium |
|---|---|---|
| S-Presso 1.0 GL Auto | 2022–2026 | R430 — R680 |
| S-Presso 1.0 GL Manual | 2020–2026 | R290 — R560 |
| S-Presso 1.0 (older) | Pre-2021 | R230 — R450 |
Estimates based on a 2022 Suzuki S-Presso 1.0 GL Manual, 40-year-old male driver, low risk profile, private use, garage parking. Trade value approx. R148,000.
| Insurer | Comprehensive | TPFT | Third Party |
|---|---|---|---|
| ~R305 | ~R167 | ~R76 | |
| ~R335 | ~R184 | ~R84 | |
|
Momentum Insure
Lowest
|
~R290 | ~R159 | ~R72 |
| ~R345 | ~R190 | ~R86 | |
| ~R320 | ~R176 | ~R80 |
* Estimates only. Your actual premium depends on vehicle year, location, driving history, and cover options. Get quotes to confirm.
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 Suzuki S-Presso holds the title of South Africa's most affordable new car, with a starting price of R178,900 in 2026. That low retail price has a direct consequence for insurance: the S-Presso is one of the cheapest cars to insure comprehensively in the SA market. For budget-conscious buyers, the insurance saving is a meaningful part of the total ownership proposition.
The S-Presso's low resale value means it holds limited appeal for organised vehicle theft syndicates. Theft loading on the premium is therefore minimal — a genuine advantage for owners in high-risk areas who would pay a significant theft loading on a more desirable model.
1.0 GL Auto — the automatic transmission adds approximately R30–R50/month to the premium. Worth considering if the convenience is valued, but it does push the monthly cost higher.
1.0 GL Manual — the most affordable S-Presso to insure. Simple drivetrain, low parts cost, and Suzuki's established repair network keep premiums low.
Older models (pre-2021) — as book value falls below R80,000, comprehensive cover becomes less cost-effective. At that point, TPFT or even third-party only cover may deliver better value for money.
As a rule of thumb, if the annual comprehensive premium exceeds 15% of the vehicle's book value, consider switching to TPFT. For an S-Presso valued at R80,000, that threshold is R12,000 per year — around R1,000 per month. If you're paying significantly less than that, comprehensive cover remains good value.