South Africa's car insurance comparison

Find cheaper car insurance

We compare 20+ SA insurers. No obligation, no spam — same-day quotes that could save you over R3,500 a year.

Same-day quotes
No obligation
100% free service
20+
Insurers compared
R3,500
Average annual saving
3,200+
Quotes requested
Why compare

Your current insurer may not be the cheapest anymore

Premiums change every year. Insurers adjust pricing based on claims volumes and risk appetite — the cheapest option today may not be what you signed up for.

01

Premiums change constantly

Insurers reprice their books annually. Loyal customers often pay more than new ones for identical cover.

02

Switching takes 30 minutes

Most people who compare save over R3,500 a year. Switching is far simpler than people think.

03

Same cover, lower price

Comparing doesn't mean compromising. Find equivalent comprehensive cover at a better rate.

How it works

Four steps to a better premium

1

Fill in the form

Name, number, gender. Under 60 seconds.

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2

We send your details

Your lead goes to competing insurers simultaneously.

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3

Insurers call you

Competitive quotes the same day.

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4

You choose

No obligation. Pick the best deal or walk away.

Insurers in our panel
OUTsurance
King Price
Naked Insurance
Discovery Insure
MiWay
Hollard
Budget Insurance
Dial Direct
Auto & General
FNB Insurance
+ more
Get your quotes

Compare car insurance quotes now

Fill in your details and we’ll get same-day quotes from competing insurers.

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✓ No obligation
✓ 100% free
Common questions

Frequently asked questions

How much does car insurance cost in South Africa? +
Most South Africans pay between R800 and R1,400 per month for comprehensive cover. Third-party only policies start from around R200–R300/month. Your exact premium depends on your vehicle value, age, driving history, and location. The best way to find your actual rate is to compare quotes directly. Read the full guide →
What is the difference between comprehensive and third-party car insurance? +
Comprehensive cover protects your car against accidents, theft, hijacking, fire, and weather damage — as well as damage you cause to others. Third-party fire and theft covers damage to other people’s vehicles plus fire and theft of your own. Third-party only is the most basic and cheapest option, covering only damage you cause to others. Read the full guide →
Which car insurance company is cheapest in South Africa? +
There is no single cheapest insurer — pricing depends entirely on your individual risk profile. King Price, Naked Insurance, and Budget Insurance are frequently competitive for lower-risk drivers. OUTsurance and MiWay are often strong on comprehensive cover. The only reliable way to find the cheapest rate is to compare quotes. Read the full guide →
Does car insurance cover hijacking in South Africa? +
Yes — but only if you have comprehensive cover. Most comprehensive policies in South Africa include hijacking as standard. Third-party policies do not cover hijacking. Always confirm hijacking cover is included when comparing quotes, and check whether your policy requires a tracker or immobiliser. Read the full guide →
What information do I need to get a car insurance quote? +
For most SA insurers you will need your full name, ID number, contact details, driver’s licence details, vehicle make and model, year of manufacture, and approximate annual mileage. With Compare Car Insurance, all you need to start is your name and phone number — the insurer collects the rest when they call you. Read the full guide →
Why did my car insurance premium increase? +
Insurers reprice their books annually based on claims volumes, inflation, repair costs, and your personal claims history. Even if you have not made a claim, your premium can increase because of broader industry trends. This is exactly why comparing car insurance every one to two years is worthwhile. Read the full guide →
Can I get car insurance with a bad credit record in South Africa? +
Yes. Most South African car insurers do not perform a formal credit check as part of the quoting process, so a bad credit record will not automatically disqualify you. Comparing quotes gives you the best chance of finding an insurer whose pricing works for your situation. Read the full guide →