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There’s Nothing Like the Freedom of Having Your Own Set of Wheels.

Whether you’ve just turned 18 or have been driving for a little while, you’re probably after cheap car insurance. But you’ll quickly find out that your age can have a big effect on your car insurance premium.

Although it might be tempting to skip the monthly payments so you have more cash for fun, car insurance is super important for ensuring that you stay covered on the road and don’t end up out of pocket if something goes wrong.

Cost of Car Insurance for Under 25s

Car insurance costs for under 25s depend on factors like your insurer, policy, and vehicle. While exact prices vary, young drivers typically pay more due to age-related risk factors.

Understanding why age impacts premiums and finding ways to lower costs can help you manage your budget effectively.

Top 5 vehicles premiums compared on Hippo for Males Aged 18-25 based on total number of quotes requested on 10 December 2023.

VehiclesLowest PremiumHighest Premium
VW Polo R1,813 R2,342
VW Polo Vivo R1,521 R1,927
Ford Fiesta R1,246 R1,558
Suzuki Swift R1,722 R2,136
Hyundai i20 R1,486 R1,950

Top 5 vehicles premiums compared on Hippo for Females Aged 18-25 based on total number of quotes requested on 10 December 2023.

VehiclesLowest PremiumHighest Premium
VW Polo R1,407 R1,693
Kia Picanto R1,124 R1,364
Suzuki Swift R1,398 R1,670
Kia Rio R1,531 R1,926
VW Polo Vivo R1,237 R1,501

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Why Age Affects Insurance Costs

Drivers under 25 are seen as high-risk due to limited driving experience. Inexperience often leads to more accidents, making younger drivers a bigger liability for insurers. To offset this risk, providers charge higher premiums for younger individuals. This approach also discourages reckless driving and reduces potential claims.

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Is There Any Way I Can Reduce My Monthly Premium?

Yes! There are a couple of tactics you can use to reduce your insurance premium, despite your age:

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.

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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.

Plus, accidents, vehicle theft, and breakdowns can happen when you least expect them to. Right now, can you afford the costs of towing, replacing or repairing your car, or paying for the damage to someone else's vehicle?

Also, most insurers offer an array of added benefits, like emergency response to an accident, or help getting your keys out the car when you've locked them in there.

All of these reasons are why you need a car insurance policy—it can assist with paying towards these costs and help you when you're in a bind.

Rather enjoy complete peace of mind by getting car insurance that will cover you in a variety of situations. Luckily, your favourite Hippo is here to help you to find the best deal by comparing a range of quotes from 11 different insurers, so you know you've really done your homework on car cover quotes.

Hippo.co.za is free to use for all South Africans. There are no hidden charges and we do not add any fee to the price you see. You can compare car insurance quotes for FREE today!

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.

Finding Affordable Cover for Under 25s

To get the best car insurance deals, research is crucial. Hippo.co.za simplifies the process with its comparison tool, letting you view quotes from multiple South African insurers.

Compare options to find affordable premiums and the right coverage for your needs.

Expert Tools, Tips and Guides

Welcome to our comprehensive Car Insurance Guide, where we've meticulously compiled essential information, tools, and insights designed to assist you in navigating the complex world of car insurance.

Here are some of our guides to help you make the best choice for you

Our Guides

  • Comprehensive Cover: Offers extensive protection against financial losses from a wide array of incidents involving your vehicle.

  • Third Party, Fire and Theft: Not only covers damages to others but also 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.

  • Vehicle Use Classification: Offers extensive protection against financial losses from a wide array of incidents involving your vehicle.

Here are some of our tips to help you make the best choice for you

Our Tips

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.