Calculate Your Estimate
▾| Cover Type | Estimated Range |
|---|---|
| Third-Party (mandatory) | — |
| Comprehensive | — |
| Typical Excess | — |
South Africa Car Insurance Premium Estimator — What You Need to Know
Free car insurance premium estimator for South Africa. Calculate third-party and comprehensive motor insurance costs with South Africa's top providers. Use this free calculator to get a quick estimate before contacting insurance providers.
South Africa has no mandatory comprehensive car insurance. The Road Accident Fund (RAF) covers personal injury via a R2.18/litre fuel levy. Comprehensive cover averages R800-R1,400/month. OUTsurance, Discovery Insure, Santam, and MiWay lead the market. COIDA rates range from 0.22% to 8.26% of payroll. The market is regulated by FSCA and the Prudential Authority, with insurance penetration at 12.2% of GDP.
Disclaimer: These are estimates based on market data and published rates. Actual premiums depend on individual circumstances, insurer assessment, and negotiation. Always get formal quotes from licensed providers.