How Premiums Differ by Age, Gender, Income, and More
Age, income and profile affect premiums. Explore the factors — then find better car insurance pricing with Hippo.
Understanding Insurance Demographics
Insurance Demographics
Do men pay more than women for car insurance? By how much do your monthly premiums go down as you get older? What car brands are the most popular per province, and how much is it to insure them? Hippo has the answers.
In this comprehensive guide on South African car insurance premiums, we use our data to break down SA car insurance premiums by demographics—after all, comparing insurance quotes is what we’re good at.
SA Car Insurance by Numbers
If you’ve ever searched for “car insurance premiums by age in South Africa” or “car insurance by gender,” you’ll find everything you need right here. Most of us know that younger drivers pay more for insurance. They have less experience, statistically higher accident rates, and tend to take more risks on the road.
The good news is that as you get older, you can expect significant reductions in your premiums. Just check out the breakdown below:
| Age Group | Average Accepted Premium |
|---|---|
18-25 | R1,672 |
26-29 | R1,542 |
30-35 | R1,325 |
36-39 | R1,188 |
40-49 | R1,115 |
50-59 | R1,038 |
60-69 | R892 |
70+ | R718 |
Source: Hippo.co.za
Car Insurance Premiums by Gender in South Africa
Men pay more for insurance than women, right? Wrong… According to Hippo data, women pay R277 more on average on their monthly premiums.
Average, Minimum and Maximum Premiums by Gender (Hippo Data)
| Gender | Average Accepted Premium | Minimum Accepted Premium | Maximum Accepted Premium |
|---|---|---|---|
Male | R1,146 | R128 | R61,817 |
Female | R1,423 | R130 | R24,936 |
All Hippo Users | R1,294 | R128 | R61,817 |
R61,817 per month on insurance?
The highest accepted car insurance premium recorded by Hippo was R61,817 per month. This was for a Mercedes-AMG G-Class G63.
Compare Quotes Based on Your Risk Profile
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SA Car Insurance Premiums by Vehicles
Which province has the most expensive car insurance? You may be guessing Gauteng, but not so! Limpopo (Polokwane) has the highest average premiums per month for the VW Polo at R1,666. They’re followed by Northwest (Mahikeng) and then Gauteng (Johannesburg). The lowest average premium among the popular vehicles is in Western Cape (Cape Town) for the Toyota Corolla at R913.
1
Eastern Cape
Most popular insured vehicles and average premiums:
2
Free State
Most popular insured vehicles and average premiums:
3
Gauteng
Most popular insured vehicles and average premiums:
4
KZN
Most popular insured vehicles and average premiums:
5
Limpopo
Most popular insured vehicles and average premiums:
6
Mpumalanga
Most popular insured vehicles and average premiums:
7
Northwest
Most popular insured vehicles and average premiums:
8
Northern Cape
Most popular insured vehicles and average premiums:
9
Western Cape
Most popular insured vehicles and average premiums:
How Do Demographics Affect Your Car Insurance Premium?
Here’s how different demographic factors can influence the cost of your monthly premium:
Age
Younger drivers, especially those under 25, typically pay higher premiums due to being statistically more likely to be involved in accidents. Older drivers (typically over 65) might also see increased premiums due to potential age-related risk factors.
Gender
South African insurers can no longer use gender as a rating factor due to regulations. Premiums are now based on individual risk profiles, regardless of gender.
Location
Areas with high crime rates, accident frequency, or congestion typically result in higher premiums. Natural disaster risks like hail or flooding can also raise premiums in certain regions.
Marital status
Some insurers offer lower premiums to married individuals, who are statistically considered lower risk. However, this impact is generally less significant than factors like age or location.
Occupation
Your profession can influence how much you're on the road. For example, someone using their car daily for work might be considered higher risk than someone working from home.
Fact Box
A few standout demographic insights from Hippo’s car insurance data.
1
Age can make a big difference
2
Premiums drop after 60
3
Older drivers may receive favourable rates
Click here for a more detailed breakdown of premiums by age.
Dunno if your risk profile is priced fairly?
Vehicle Cover: Expert Tools, Tips & Guides
Welcome to our comprehensive Car Insurance Guide, where we've compiled essential information, tools, and insights to help you navigate the world of car insurance in South Africa.
Vehicle Premiums by Demographic
Learn how gender, income, and lifestyle impact car insurance rates and risk profiles.
Vehicle Use Classification
Understand the difference between personal and business use, and how it affects your policy and premiums.
Car Premiums by Age
See how your age affects car insurance costs and what to expect at different life stages.
Car Premiums by Province
Discover how location influences your premium, with insights from regions across South Africa.
Exploring Car Insurance Options
Understand the different levels of coverage available to suit your needs.
Comprehensive Car Insurance
Offers extensive protection against financial losses from a wide array of incidents involving your vehicle.
Third Party, Fire and Theft
Covers damage to others and protects your car against theft or fire damage.
Third Party Only
Safeguards against the costs of damage to other people and their property, without covering your own vehicle.
Car Insurance Values
Understand how different value types, like market, retail and trade-in, affect your cover and payout.
Car Insurance Premium
Key tips to reduce your premium and what factors determine your monthly cost.
How Do Demographics Affect Your Car Insurance Premium?
How does age affect my car insurance premium?
Younger drivers, especially those under 25, typically pay higher premiums due to being statistically more likely to be involved in accidents. Older drivers (typically over 65) might also see increased premiums due to potential age-related risk factors.
Does my gender influence my car insurance premium?
South African insurers can no longer use gender as a rating factor due to regulations. Premiums are now based on individual risk profiles, regardless of gender.
How does my location affect my car insurance premium?
Areas with high crime rates, accident frequency, or congestion typically result in higher premiums. Natural disaster risks like hail or flooding can also raise premiums in certain regions.
Does my marital status impact my car insurance premium?
Some insurers offer lower premiums to married individuals, who are statistically considered lower risk. However, this impact is generally less significant than factors like age or location.
How does my occupation influence my car insurance premium?
Your profession can influence how much you're on the road. For example, someone using their car daily for work might be considered higher risk than someone working from home.
Compare more than just Car Insurance
With Hippo we make it easy to find great deals across multiple products.
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.
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.
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.
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.
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.
Funeral Cover
Covers the immediate costs associated with a funeral. Premiums are influenced by your age, number of policy members and amount of cover.
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.
Home Contents Insurance
Covers your home's contents against damage, theft and loss. Compare quotes to find the most competitive rate.
Building Insurance
Covers the physical structure of your property against damage. Compare quotes to make sure you're not overpaying.
Motorbike Insurance
Covers your motorcycle against damage, theft and third-party claims. Premiums vary based on your personal profile.
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).
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.
Home Fibre
Fibre prices and speeds vary significantly by area and provider. Find the fastest, most affordable package without contacting each provider separately.
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*Based on independent research by Kaufman Levin & Associates 2025.
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