*Average monthly saving based on customers who switched insurer via Hippo.

Compare 13 of SA's top Car Insurers

We are always trying to add more brands for our customers. If you don't see a brand, that's their decision.

All our Car Insurance partners are licensed FSP's and vetted to meet our internal compliance and quality standards.

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Real reviews and real savings

South Africans think we’re lekker. But don’t just take our word for it. See what they have to say:

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It assisted me with making contact with different insurance companies. I just simply compared and they all contacted me. Which made it easier for me to get the insurance that suits my financial needs. Hustle free Thank you Hippo.

Khwinana

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Used twice over the last week to get quotes for different scenarios. Both times the quotes loaded quickly, there was multiple options and as I had to leave the website, I got a WhatsApp after as well on which I could click the desired option which was nice

Penelope

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Good overall but would have liked more quotes that included major vehicle insurers like Outsurance, Momentum and Santam. Also, a way to save or download the quotes for quick access.

Anonymous

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Independent service rating based on 20 704 service ratings.

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Looking for affordable car insurance?

Why compare with Hippo?

Save your time and money - there’s no simpler way to find a better deal.

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Best price guaranteed:

You won’t get a better deal going direct.

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We don’t get paid if you don’t find better.

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Instant quotes, fewer calls:

You save time (and airtime) comparing quotes side-by-side.

Steps to get a Car Insurance quote

Hippo helps you compare a range of affordable quotes across thirteen of South Africa’s top insurers.

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1

Enter your ID number

We’ll use it to pre-fill basic details and speed up the process.

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2

Confirm your personal details

You’ll only need to do this once to get quotes from multiple trusted insurers.

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3

Add your vehicle information

Just your car’s make, model, and year. No paperwork needed.

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4

Specify the regular driver

We personalise your quote based on who drives the car most often.

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5

Compare your quotes

See your options ranked by price, cover, and excess. Obligation free, with no spam.

Level up your vehicle cover

Get quotes on value-add cover that helps you protect your ride and ultimately, your wallet.

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Scratch and dent cover

Covers minor cosmetic damage to your vehicle without affecting your Car Insurance claims record. Compare plans to keep your car looking good without paying out of pocket.

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Tyre and Rim cover

Covers the cost of repairing or replacing damaged tyres and rims. Compare plans to find affordable cover that protects you against one of South African motoring's most common expenses.

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Extended Motor Warranty

Protects you against unexpected mechanical and electrical repair costs after your manufacturer warranty expires. Compare plans to find the right level of cover for your vehicle.

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Service Plans

Covers the cost of scheduled vehicle maintenance, including parts and labour. Compare service plans alongside your Car Insurance for a complete picture of your motoring costs.

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Vehicle Tracking

Helps protect your vehicles by assisting with recovery in the event of theft. Many providers also use Vehicle Tracking to flag when your vehicle is in an unfamiliar area.

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Dunno if your premium is too high?

What it costs to insure South Africa’s top selling cars

Insurers work out your premium based on many factors, including safety and risk. Here are some average insurance premiums for popular car brands in SA.

Volkswagen logo

Insurance for a VW Polo averages R1 256 pm*, but can be low as R221 pm*.

Toyota logo

Insurance for a Toyota Cross averages R1 295 pm*, but can be low as R398 pm*.

Hyundai logo

Insurance for a Hyundai i20 averages R1 265 pm*, but can be low as R220 pm*.

Kia logo

Insurance for a Kia Rio averages R993 pm*, but can be low as R164 pm*.

Suzuki logo

Insurance for a Suzuki Swift averages R1 259 pm*, but can be low as R201 pm*.

Renault logo

Insurance for a Renault Kwid averages R1 086 pm*, but can be low as R231 pm*.

Average premiums are depicted above. Your premium may differ based on your personal risk profile. *Updated: May 2026.

Calculating Vehicle Insurance premiums

Insurers use a Car Insurance calculator to determine your premium based on your risk profile. They assess several factors to calculate how likely you are to make a claim.

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Your age and life stage

Insurers check your age, gender and marital status when calculating your premium. Young drivers often pay more, while married drivers may pay less. Learn more about how demographics play a role in how much you pay.

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Your driving record

Your driving record has a direct impact on your premium. Insurers look at how long you've been licensed, past claims and your overall history behind the wheel. A clean record over an extended time period can mean meaningfully lower premiums.

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Where and how you live

Where you park overnight, your province of residence and your broader lifestyle all influence your car insurance premium. Higher-risk areas typically mean higher premiums. See how premiums vary by province to understand what applies to you.

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Your car’s make and model

The make, model, personal or business usage as well as who drives it, all play a role in determining your premium. Safer, less expensive vehicles generally cost less to insure, while high-performance or luxury models attract higher rates.

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You can find better and pay lesser

Different levels of Car Insurance cover

Car Insurance in South Africa generally comes in three tiers. Each of these will cover you for different events and impact the price of your premium.

Comprehensive insurance

Protects your vehicle against accident damage, theft, fire, and natural disasters, as well as damage you cause to a third party's property.

Yes

Accidents

Yes

Theft & hijacking

Yes

Fire & explosions

Yes

Damage to someone else's property

Yes

Natural disasters

Third party, fire & theft cover

Protects against fire, theft and damage to a third party's vehicle, but does not cover accidental damage to your own vehicle.

No

Accidents

Yes

Theft & hijacking

Yes

Fire & explosions

Yes

Damage to someone else's property

No

Natural disasters

Third party only

It covers damage you cause to another person's property but offers no protection for your own vehicle.

No

Accidents

No

Theft & hijacking

No

Fire & explosions

Yes

Damage to someone else's property

No

Natural disasters

Your complete South African car guide

From car brands and manufacturers to insurance, rentals, and buying tips, Hippo brings you all the information you need in one easy place. Get informed, compare your options, and choose the right car with confidence.

Volkswagen vehicles in the Hippo car guide
Volkswagen

Volkswagen models are a popular among South Africans, but total cost of ownership goes beyond the sticker price. Compare quotes to understand repayments, cover levels and what a VW really costs to own.

Toyota vehicles in the Hippo car guide
Toyota

Toyota South Africa dominates with affordable, durable vehicles like the Hilux and Etios, topping sales and customer satisfaction rankings.

Suzuki vehicles in the Hippo car guide
Suzuki

Suzuki South Africa shines with reliable, value-for-money cars and stylish off-roaders, earning Brand of the Year in 2017 and 2018. They offer compact SUVs, hatchbacks, and sedans.

Visit our car guideLink icon

Expert tools, tips and guides

Insights to assist you in navigating the complex world of Car Insurance.

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Vehicle use classification

Most insurers treat personal and business vehicle use differently, and getting this wrong can affect your cover.

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Car Insurance companies

Not all Car Insurance companies in South Africa offer the same cover at the same price. Understand what each provider offers before you commit.

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Car Insurance values

Market, retail and trade-in values all affect what your insurer pays out when you claim. Understand the differences.

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Impact of excess on premiums

Your excess is the amount you pay when you claim. A higher excess usually means a lower monthly premium, but higher out-of-pocket cost.

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Affordable Car Insurance

Cheaper car insurance doesn't have to mean less cover. Discover practical tips for reducing your premium.

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Insurance claim process

Knowing how to file a car insurance claim before you need to makes the process far less stressful.

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Your easiest way to find better car insurance

Car Insurance made simple

Hippo’s top tips to getting more out.

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How does your Car Insurer calculate your risk profile?

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Car Insurance FAQs

Compare more than just Car Insurance

With Hippo we make it easy to find great deals across multiple products.

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Medical Aid

Gives you access to private healthcare. Compare plans, benefits and costs to find the right fit without paying for cover you don't need.

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Medical Gap Cover

Covers the difference (shortfall) between what your Medical Aid pays and what a specialist charges. Gap Cover is not a substitute for Medical Aid.

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Medical Insurance

More flexible and affordable than Medical Aid, Medical Insurance covers day-to-day health needs or specific procedures. This product is not a substitute for Medical Aid.

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Business Insurance

Protects your business’ property, assets and third-party liability. The right cover depends on the nature, size and risk profile of your operations.

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Life Insurance

Provides financial security for your dependants. Ensure your home loan, rental costs, debt and children’s tuition are taken care of when you pass.

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Funeral Cover

Covers the immediate costs associated with a funeral. Premiums are influenced by your age, number of policy members and amount of cover.

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Personal Loans

Compare rates across multiple lenders to find a fair deal. Rates vary based on your credit profile and chosen loan term, so comparison matters.

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Home Contents Insurance

Covers your home's contents against damage, theft and loss. Compare quotes to find the most competitive rate.

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Building Insurance

Covers the physical structure of your property against damage. Compare quotes to make sure you're not overpaying.

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Motorbike Insurance

Covers your motorcycle against damage, theft and third-party claims. Premiums vary based on your personal profile.

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Pet Insurance

Vet bills can add up quickly, especially when unexpected. Compare quotes to find a policy that fits your fur baby’s needs (and your monthly budget).

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Travel Insurance

Protects you against unexpected medical and/or flight-related costs when travelling locally or abroad. Premiums vary based on the type of cover you opt for.

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Home Fibre

Fibre prices and speeds vary significantly by area and provider. Find the fastest, most affordable package without contacting each provider separately.