Calculate Your Estimate
▾| Detail | Info |
|---|---|
| Minimum Premium | — |
| Maximum Premium | — |
| Legal Status | — |
| Regulator | — |
South Africa Motor Vehicle Third-Party Premium — What You Need to Know
Check mandatory motor third-party insurance costs in South Africa. Legal requirements, minimum premiums, and what's covered under third-party liability. 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.