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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SA’s #1 Comparison Site.
Cos once you go Hippo, you never go back.
1 hour ago
Everything is easy to navigate and understand.
by PETER
2 hours ago
It gives a great variety of insurance covers and doesn’t send my information to other brokers
by Anonymous
4 hours ago
With hippo you get the best offer ,you just have to click on your preferable insurance.
by Anonymous
8 hours ago
It is quick and gives me options which makes Hippo a one stop gap for my insurance needs. I have done quotations before where if I do multiple questions my quote ends up inflated because of the number of quotations not by my risk profile with Hippo I get multiple quotations based on my vehicle and risk profile only. Hippo is the best
by MNCEDISI
8 hours ago
Quick fast response and better prices
by DAVID
9 hours ago
It was easy because I didn't have to fill in my personal details I only entered my ID number and that was it. The option of having many quotes to choose from one app is really time saving....... WELL DONE HIPPO, WELL DONE ☺️
by MOEKETSI
10 hours ago
I'm still new
by Anonymous
11 hours ago
My experience with Hippo.co.za was excellent. The process was quick, simple and easy to understand. I liked that I could compare multiple insurance quotes in one place without having to contact each insurer individually. This saved me a lot of time and helped me make a more informed decision. The quotes were presented clearly, making it easy to compare premiums and excess amounts side by side. My favourite quote was from 1st for Women, as it offered competitive pricing and came from a trusted insurer with a strong reputation. Overall, Hippo made finding insurance stress-free and convenient. I would definitely recommend the platform to anyone looking to compare insurance options and find the best value for their needs. Thank you for a smooth and user-friendly experience!
by SIPHUMELELE
11 hours ago
It is a great way to compare quates and make a wise choice as you save money.
by Florence
11 hours ago
Quick, helpful and saving time
by Aubrey
16 hours ago
Hippo helps bit the best price for life simply the best 👌 excellent work keep going 👍
by SIPHAMANDLA
17 hours ago
Firstly, its the convenience thats provided for the user. One search, and multiple options , all just a screen tap away. Second- Probably the most important of all, the affordability of the services they list! A mere R150 will give you better sleep knowing your car is insured, I mean how is it so cheap ? Thirdly - i literally pressed down on the submit button on my selected insurance company, and before I could lift my finger off the phone screen, I was receiving a call from the insurance company! If that isnt CUSTOMER CARE, I DON'T KNOW WHAT IS! Keep it up, you Hippo's !
by MAAZ
20 hours ago
Easy and convenient
by Anonymous
1 day ago
Easy to use, easier to get results
by Anonymous
1 day ago
Excellent service!
by CARA
1 day ago
Its user Friendly and gives the best options possible
by MUNEIWA
1 day ago
Great service.
by Anonymous
1 day ago
It was easy
by MBALI
1 day ago
Very easy and helpful in finding the right insurer
by Anonymous
1 day ago
The comparison is amazing and they are super detailed on what your needs are.
by SIPHUMELELE
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 my quotes a guarantee of a premium?
No—remember, we ask you as much information as we can in as short a time as possible, because we know you have other things you'd much rather do with your time. Once you've selected a car insurance quote from us, the insurer will be in touch with you to conduct a much more thorough quotation process. During this, additional questions might be asked, and your answers may change the premium from the one you were quoted on our website. Having said that, the quotes shouldn't differ too much, as we try to get accurate prices for you.
Can I insure more than one vehicle?
You sure can! You'll just need to complete a separate quote on our website for the each separate car you want to cover.
Can I use online tools to estimate my premium?
Yes. Many insurers (including Hippo.co.za) let you plug in your details and get an estimate before committing. Great for budget planning!
Can someone else drive my car?
This depends on the arrangements you have made with the insurance provider. If you plan to have someone else drive your car, say your 18 year old child, you need to inform the insurer of this, as they'll note it in your policy. If you don't do this and your child gets into an accident in your car, you might not be paid out.
Do you give or sell my details to any third parties?
No, we do not. Your details are held securely and we do not share or sell your details to any 3rd parties. As South Africa's go-to for free car insurance quotes, we pride ourselves in treating customers fairly (TCF) and protecting your data and the way we deal with you.
Does car insurance cover me if I drive someone else's car?
When you take out vehicle insurance, it's the car that's covered, not you. You're simply the main driver on the policy. If you drive someone else's car and are involved in an accident, their insurance will have to cover the cost of the damage, not your own.
Does where I park my car affect the quote?
Absolutely. Secure overnight parking can reduce your risk—and your premium. Street parking increases it.
Get peace of mind with cheaper car insurance
One of the easiest ways to do this is to find cheaper car insurance that still offers quality cover. Just because you find more affordable insurance doesn’t mean you have to sacrifice your peace of mind. As long as you know what kind of cover you need and diligently compare car insurance options, you can make a big difference to your budget.
How are my car insurance premiums calculated?
In addition to your personal details, there are some other factors that licensed insurers consider when calculating your premium. This includes the insurance type (comprehensive, third-party, fire & theft, and third-party only), the age of the car being insured, security features, and any modifications you've made to the vehicle.
How do I claim on my insurance?
Every company is different, but the process typically goes like this: report any accidents, theft or hijackings at the police station. The police will open a case and give you a case number. You'll then call your insurer, or submit a claim online or via an app (depending on the provider) with the case number. They'll send an assessor around, or ask you to take your car to an assessment centre if its drivable. Once this is done, you'll find out if you're covered, and for how much.
How do I value my car when insuring?
There are three types of values at which you can insure your car—retail, market, and trade. The lowest (and therefore most affordable insurance premiums) will be trade value, followed by market value, and lastly (and most expensive) is retail value.
Your insurance plan provider can advise you what the different premiums will be when you're getting a full quote from them.
Your insurance plan provider can advise you what the different premiums will be when you're getting a full quote from them.
How does excess affect my premiums?
Most providers will allow you to toggle the price between what you pay monthly and what you pay for excess. The higher your excess, the lower your monthly premiums will typically be. The opposite is also true; the lower your excess, the more you'll pay for your cover every month.
How is car insurance calculated in South Africa?
Insurers calculate your premium based on risk factors like your profile, the car you drive, how you use it, and past claims. It's all about balancing risk vs. reward.
How is my premium calculated for comprehensive cover?
Insurers factor in vehicle type, age, location, driving history, claims record, and chosen excess. Optional extras like roadside assistance also influence your premium.
How long are my quotes valid for?
This depends on the insurer, as they all have different policies around how long a quote is valid for.
If I choose a quote, does that mean I'm making a commitment?
No, you're under no obligation at all. After choosing a brand's online quote, you will simply get an obligation-free call from a consultant from that company to find out more about their offer. They will also help to arrange your cover and requirements therefore over the phone if you do choose to continue with them.
Is it true that younger drivers are charged more?
Yes, unfortunately, age is on your side when it comes to getting quotes. Usually, if you're 27 or younger, your premiums are going to be higher as you're considered to be at greater risk of having an accident.
Market value vs retail value – which one is better?
Retail value provides a higher payout but increases your premium. Market value is cheaper but may not cover replacement costs. Choose based on your car’s value and financial needs.
The difference between personal and business vehicle use
The purpose for which a vehicle is used gives insurance providers an indication of how much time the vehicle will spend on the road, and in what traffic conditions it will be driven. A vehicle that is driven in rush hour traffic is usually at greater risk of being involved in an accident compared to a vehicle that is regularly driven during off-peak periods.
What car factors influence the quote?
Make, model, age, engine size, theft risk, and value all play a role. A flashy car usually equals a higher premium.
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.
