Super Cheap Car Insurance
Not sure what you should pay for Car Insurance?
Use our nifty car insurance calculator to get a rough guess of what you should pay for car insurance!
Calculator
Our calculator uses insurance quote data to give you a rough idea of what you should expect to pay for car insurance. Use this as a guide when making applications to get the best price possible.
Search by model
Looking for the cheapest car to insure? We list average car insurance quote estimates for all the automotive brands available within South Africa.
Car Insurance Companies
Complete list of all the auto insurance companies operating within South Africa. Ratings based on industry-related surveys and data sets collected from third-party vendors.
Car Models
Car Insurance Guru aims to help you get a rough idea of what you should be paying for car insurance. Our systems work off data collected from actual quotes, crunched together, and adjusted for your particular situation.
We understand that finding the right car insurance can be a daunting task. That’s why we’re dedicated to making the most important aspect easier to comprehend, price. So check out our calculator, see what models are good value or check our list of insurance companies.
Car insurance rates in South Africa
In South Africa, a concerning 65% to 70% of vehicles on the roads are uninsured, leaving only about a third of motorists with financial protection in the event of accidents or theft. This issue has persisted for years and poses significant risks for both drivers and pedestrians. The lack of compulsory vehicle insurance, coupled with economic challenges, has made insurance inaccessible for many.
Important auto insurance terms you should know
Claim
A request made to the insurer for compensation after an insured event, such as an accident or theft.
Comprehensive Insurance
The most extensive coverage, including damage to your car, third-party liabilities, theft, and natural disasters.
Cover Note
Temporary proof of insurance issued before the formal policy document.
Deductible (Excess)
The portion of the claim cost that you are responsible for before your insurer pays the rest.
Endorsement
A policy adjustment to add or change coverage, such as including an additional driver.
Insurer
The company providing you with car insurance.
Market Value
The current value of your car based on its age, condition, and similar vehicle prices in the market.
No-Claim Bonus (NCB)
A discount on premiums for not making any claims during a policy period.
Policyholder
The person who owns the insurance policy and is responsible for premium payments.
Regular Driver
The person who uses the insured car most frequently.
Salvage
The car remains after a total loss, which the insurer may take ownership of after paying your claim.
Act of God
Uncontrollable natural events like floods, earthquakes, or hailstorms that may or may not be covered by your policy.
Adjuster/Assessor
A professional who evaluates the damage after an accident to determine the cost of repairs or replacement.
Betterment
An improvement in your vehicle’s condition due to repairs, often requiring you to pay a portion of the repair costs.
Credit Shortfall
The gap between your car’s insured value and the amount you still owe to the bank.
Depreciation
The reduction in your car’s value over time, which impacts the payout in case of a claim.
Exclusion
Specific circumstances or events not covered by your insurance policy.
Insurable Interest
The policyholder’s legal interest in the car, which would result in a financial loss if it were damaged or stolen.
Lapsed Policy
When your insurance coverage ends due to non-payment of premiums.
Maximum Amount
The highest payout your insurer will provide in case of a claim.
Ombudsman
An independent authority that helps resolve disputes between policyholders and insurers.
Premium Rate
The cost per unit of coverage, determined by factors like your driving history and car model.
Replacement Cost
The amount needed to replace your car with a new one of the same model, ignoring depreciation.
Sasria Cover
Special insurance for damages caused by riots, strikes, and civil unrest.
Total Loss
When repair costs exceed the car’s insured or market value, leading to a write-off.
Write-Off
When your car is declared beyond economical repair or is stolen and not recovered.
Underwriter
The professional or company that assesses the risk of insuring you and determines your premium.
Agreed Value
A pre-determined amount agreed upon by you and the insurer to be paid in the event of a total loss.
Asset
Your insured vehicle, which has monetary value and is covered against specific risks.
Broker
A licensed intermediary who helps you find and purchase the right car insurance policy.
Driver Profile
Information about the primary driver (e.g., age, driving history) used to calculate premiums.
First Amount Payable
The initial amount you must pay on a claim, similar to the excess.
Insurance Premium
The amount you pay, monthly or annually, to keep your insurance policy active.
Liability Coverage
Protection against financial loss if you cause damage to someone else’s property or injure another person.
Natural Fire/Disaster
Coverage for damages caused by natural events like fires, storms, or floods.
Other Driver
Someone who drives your car with your permission but isn’t the primary driver.
Proximate Cause
The direct cause of damage or loss, which determines whether a claim is valid.
Road Hazard
Damage caused by potholes, debris, or uneven surfaces.
Sum Insured
The maximum value for which your car is insured.
Underinsurance
When the insured value of your car is less than its actual value, potentially reducing your payout.
Third-Party Insurance
Covers damages caused to another person’s car or property but does not cover your own vehicle.