We use your ID number to pre-populate information that we need to give you quotes.
5 easy steps to a car insurance quote.
Hippo gives you a range of affordable prices on vehicle insurance quotes.
1
Enter your ID number and click “Get Started”.
2
Confirm your personal information.
You only need to enter your details once and you'll get quotes from top SA insurers.
3
Add your vehicle details.
Just enter your vehicle’s make, model and year.
4
Specify regular drivers.
Your risk and premium may change depending on who you select as the main driver of the car.
5
Get your quotes.
You can take a closer look at benefits, excesses and premiums. No need to spend hours on the phone getting quotes from separate insurers.
1
Enter your ID number and click “Get Started”.
We use your ID number to pre-populate information that we need to give you quotes.
2
Confirm your personal information.
You only need to enter your details once and you'll get quotes from top SA insurers.
3
Add your vehicle details.
Just enter your vehicle’s make, model and year.
4
Specify regular drivers.
Your risk and premium may change depending on who you select as the main driver of the car.
5
Get your quotes.
You can take a closer look at benefits, excesses and premiums. No need to spend hours on the phone getting quotes from separate insurers.
Why Choose Hippo?
Getting car insurance quotes can be stressful. We’ll get you a range of quotes from authorised insurers so you can get the most reliable, affordable car insurance available to you.
Save Time
Find all the prices and benefits you need in 2 minutes.
Save Stress
Avoid hidden fees and keep your personal information private.
Save Money
Compare quotes. Choose the best for you.
Save Smart
Quick comparisons, ranked by price for easy evaluation.
Save Time
Find all the prices and benefits you need in 2 minutes.
Save Stress
Avoid hidden fees and keep your personal information private.
Save Money
Compare quotes. Choose the best for you.
Save Smart
Quick comparisons, ranked by price for easy evaluation.
Calculating Car Insurance - How Do Insurers Do It?
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.
Age, Gender, and Demographics
Insurers check your age, gender, and marital status. Younger drivers often pay higher premiums, while married drivers might pay less. Learn more about how age impacts your premiums and the role of demographics.
Driving History
Your driving record affects your premium. Insurers look at how long you’ve been driving, any legal rulings, and past claims
Lifestyle and Location
Where you park your car, your lifestyle, and your province of residence impact your premium. Higher-risk areas often mean higher premiums. See how premiums vary by province.
Make and Model
The make and model of your car, its purpose, and who drives it all play a role. Safer, less expensive cars generally cost less to insure.
Age, Gender, and Demographics
Insurers check your age, gender, and marital status. Younger drivers often pay higher premiums, while married drivers might pay less. Learn more about how age impacts your premiums and the role of demographics.
Driving History
Your driving record affects your premium. Insurers look at how long you’ve been driving, any legal rulings, and past claims
Lifestyle and Location
Where you park your car, your lifestyle, and your province of residence impact your premium. Higher-risk areas often mean higher premiums. See how premiums vary by province.
Make and Model
The make and model of your car, its purpose, and who drives it all play a role. Safer, less expensive cars generally cost less to insure.
What it costs to insure some of SA’s top selling rides.
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.
Here are some average insurance premiums for popular car brands in SA.
Insurance for a VW Polo averages R1 437pm*, but can be low as R205pm*.
Insurance for a Toyota Corolla averages R1 321pm*, but can be low as R168pm*.
Insurance for a Hyundai i20 averages R1 327pm*, but can be low as R336pm*.
Insurance for a Kia Rio averages R1 423pm*, but can be low as R307pm*.
Insurance for a Suzuki Swift averages R1 407pm*, but can be low as R368pm*.
Insurance for a Renault Kwid averages R1 157pm*, but can be low as R377pm*.
Insurance for a VW Polo averages R1 437pm*, but can be low as R205pm*.
Insurance for a Toyota Corolla averages R1 321pm*, but can be low as R168pm*.
Insurance for a Hyundai i20 averages R1 327pm*, but can be low as R336pm*.
Insurance for a Kia Rio averages R1 423pm*, but can be low as R307pm*.
Insurance for a Suzuki Swift averages R1 407pm*, but can be low as R368pm*.
Insurance for a Renault Kwid averages R1 157pm*, but can be low as R377pm*.
Average premiums are depicted above. Your premium may differ based on your personal risk profile.
*Based on Hippo data in February 2026.
*Based on Hippo data in February 2026.
Types of Vehicle Insurance
Car insurance in South Africa generally comes in three forms: comprehensive, third party fire and theft, and third party car insurance. Each of these will cover you for different damages and events. They’ll also affect your car insurance premiums.
Then there's Sasria, a specialised insurance that most insurance companies charge as standard with your car cover. This covers you for events like unforeseen public unrest, civil commotion, strikes, riots, and terrorism.
Comprehensive Car Insurance
This provides cover for just about any form of financial loss related to your vehicle, including car accidents, thefts, hijackings, fire damage, natural disasters, and damage to someone else's car.
| Accidents | |
| Theft & hijacking | |
| Vandalism | |
| Fire & explosions | |
| Damage to someone else’s property | |
| Weather damage |
The ins ‘n outs of insurance
Hippo’s top tips to getting more out.
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You can compare more than just car insurance quotes.
Put yourself in the driver’s seat of your dream car and keep it looking brand-spanking new with value-added insurance products, provided by trusted and reliable South African insurers.
Motor Warranty
Extend your manufacturer’s warranty and get cover for the repair or replacement of certain vehicle components.
Service Plan
Keep your vehicle in the tippest, toppest shape with a service plan and cover the costs of scheduled services.
Scratch & Dent
Can’t stand to look at those little scrapes, scratches, and dents that tarnish your otherwise-brilliant-looking car? Scratch & dent will pay to repair small blemishes.
Tyre & Rim Guard
South African roads are full of potholes—this we all know. Protect your tyres and rims from damage caused by bad road conditions.
Car Tracker
Many insurance providers prefer for you to have a vehicle tracker installed in your car to minimise the chances of it being stolen, or to assist in recovering a stolen vehicle. Some insurers even offer discounts for it!
FAQ
Are there waiting periods applicable where Covid-19 is excluded?
No, generally not for life cover. For funeral cover, a standard waiting period applies for natural deaths.
Is COVID-19 covered in the event of death?
Most life insurers provide cover for the disease, as it causes illness and is considered a natural cause of death. It’s not included under Accidental Death cover, however.
Is COVID-19 testing required for life cover acceptance?
No, but if you have been tested for the virus or are planning to get tested, some insurers may defer cover until the results come out.
Worried about the impact of novel coronavirus on your life insurance? Here are the answers to some frequently asked questions:
Medical aid is a type of health cover that helps pay for your medical expenses, from routine doctor visits to hospital stays and chronic medication. In South Africa, medical aid plans are regulated to ensure they provide a minimum level of essential care, known as Prescribed Minimum Benefits. These plans vary in cost and coverage, allowing you to choose a level of support that suits your healthcare needs and budget.
What’s the cheapest car insurance in South Africa?
More comprehensive cover means higher premiums. Which means that third-party car insurance will be the cheapest cover for your vehicle in South Africa. Although it’s tempting to save more on your car insurance so that you have more to spend on things you love, remember that you’ll get what you pay for. The cheapest car insurance might leave you wanting more if you happen to get into an accident. If you want complete peace of mind, comprehensive car insurance cover will do it for you.
Why do you need car insurance?
Stats show that out of 10 million motorists in South Africa, 65% are uninsured. That means more than half of the drivers you see on the road aren't covered to pay for your vehicle to be repaired if they cause an accident. Scary stuff! Don't be another statistic.
Expert Tools, Tips and Guides
Vehicle Guides
- Car Guide: A guide to South Africa's car brands and typical insurance costs for each.
- 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.
Vehicle Tips
- Exploring Car Insurance Options: Understand the different levels of coverage available to suit your needs.
- Impact of Excess on Premiums: Learn how your insurance excess can influence the cost of your premium.
- Insurance Claim Process: A straightforward guide to filing a claim with your insurer.
- 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 (market, retail, trade-in) affect your cover and payout.
- Car Insurance Premium: Key tips to reduce your premium and what factors determine your monthly cost.
Vehicle Guides
- Car Guide: A guide to South Africa's car brands and typical insurance costs for each.
- 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.
Vehicle Tips
- Exploring Car Insurance Options: Understand the different levels of coverage available to suit your needs.
- Impact of Excess on Premiums: Learn how your insurance excess can influence the cost of your premium.
- Insurance Claim Process: A straightforward guide to filing a claim with your insurer.
- 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 (market, retail, trade-in) affect your cover and payout.
- Car Insurance Premium: Key tips to reduce your premium and what factors determine your monthly cost.
Compare 12 car insurance quotes today and save yourself some hassle.
Love your savings. Love your ride.
Hippo’s guide to all things car.
The complete guide to car brands and manufacturers in South Africa. Find out all the information you need on insurance, renting and purchasing your dream car in this guide.
