Under 25?
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Before you commit, Hippo it!
Before you commit, Hippo it!
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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.
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.
| Vehicles | Lowest Premium | Highest 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.
| Vehicles | Lowest Premium | Highest 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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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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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.
Compare Car InsuranceStats 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.
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.
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.
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: Helps differentiate personal vs business use, which can affect your policy and premiums.
Insurance Premiums by Age: See how your age affects your car insurance costs and what to expect at different life stages.
Insurance Premiums by Province: Discover how location influences your premium, with insights from various regions in South Africa.
Insurance Demographics: Learn how gender, income, and lifestyle impact car insurance rates and risk profiles.
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.
Affordable Car Insurance: Tips for finding cost-effective car insurance coverage for peace of mind.
Insurance Claim Process: A straightforward guide to filing a claim with your insurer.
Car Guide: A guide to South Africa's car brands and typical insurance costs for each.
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.
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.
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!
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!
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.
