Do men pay more than women for car insurance? By how much do your monthly premiums go down as you get older? What car brands are the most popular per province, and how much is it to insure them? Hippo has the answers.
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In this comprehensive guide on South African car insurance premiums, we use our data to break down SA car insurance premiums by demographics—after all, comparing insurance quotes is what we’re good at. If you’ve ever searched for “car insurance premiums by age in South Africa” or “car insurance by gender,” you’ll find everything you need right here. Most of us know that younger drivers pay more for insurance. They have less experience, statistically higher accident rates, and tend to take more risks on the road.
The good news is that as you get older, you can expect significant reductions in your premiums. Just check out the breakdown below:
| Age Group | Average Accepted Premium |
|---|---|
| 18-25 | R1,672 |
| 26-29 | R1,542 |
| 30-35 | R1,325 |
| 36-39 | R1,188 |
| 40-49 | R1,115 |
| 50-59 | R1,038 |
| 60-69 | R892 |
| 70+ | R718 |
Source: Hippo.co.za
Men pay more for insurance than women, right? Wrong… According to Hippo data, women pay R277 more on average on their monthly premiums.
Average, Minimum and Maximum Premiums by Gender (Hippo Data)
| Gender | Average Accepted Premium | Minimum Accepted Premium | Maximum Accepted Premium |
|---|---|---|---|
| Male | R1,146 | R128 | R61,817 |
| Female | R1,423 | R130 | R24,936 |
| All Hippo Users | R1,294 | R128 | R61,817 |
R61,817 per month on insurance?
The highest accepted car insurance premium recorded by Hippo was R61,817 per month. This was for a Mercedes-AMG G-Class G63.
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Which province has the most expensive car insurance? You may be guessing Gauteng, but not so! Limpopo (Polokwane) has the highest average premiums per month for the VW Polo at R1,666. They’re followed by Northwest (Mahikeng) and then Gauteng (Johannesburg).
The lowest average premium among the popular vehicles is in Western Cape (Cape Town) for the Toyota Corolla at R913.
Most Popular Insured Vehicles by Province and Their Average Premiums
| Province | Main City | Most Popular Vehicle | Average Premium | 2nd Most Popular Vehicle | Average Premium | 3rd Most Popular Vehicle | Average Premium |
|---|---|---|---|---|---|---|---|
| Eastern Cape | Bhisho | VW Polo Vivo | R1,268 | VW Polo | R1,504 | Ford Ranger | R1,426 |
| Free State | Bloemfontein | VW Polo | R1,295 | VW Polo Vivo | R1,180 | Ford Ranger | R1,397 |
| Gauteng | Johannesburg | VW Polo | R1,632 | VW Polo Vivo | R1,306 | Suzuki Swift | R1,379 |
| KZN | Pietermaritzburg | VW Polo Vivo | R1,277 | VW Polo | R1,507 | Toyota Corolla | R1,126 |
| Limpopo | Polokwane | VW Polo | R1,666 | VW Polo Vivo | R1,282 | Toyota Hilux | R1,409 |
| Mpumalanga | Nelspruit | VW Polo | R1,226 | VW Polo Vivo | R1,534 | Ford Ranger | R1,541 |
| Northwest | Mahikeng | VW Polo Vivo | R1,313 | VW Polo | R1,634 | Ford Ranger | R1,409 |
| Northern Cape | Kimberley | VW Polo Vivo | R1,318 | VW Polo | R1,456 | Ford Ranger | R1,440 |
| Western Cape | Cape Town | VW Polo | R1,117 | VW Polo Vivo | R962 | Toyota Corolla | R913 |
Click here for a more detailed breakdown of premiums by age.
Here’s how different demographic factors can influence the cost of your monthly premium:
Younger drivers, especially those under 25, typically pay higher premiums due to being statistically more likely to be involved in accidents. Older drivers (typically over 65) might also see increased premiums due to potential age-related risk factors.
South African insurers can no longer use gender as a rating factor due to regulations. Premiums are now based on individual risk profiles, regardless of gender.
Areas with high crime rates, accident frequency, or congestion typically result in higher premiums. Natural disaster risks like hail or flooding can also raise premiums in certain regions.
Some insurers offer lower premiums to married individuals, who are statistically considered lower risk. However, this impact is generally less significant than factors like age or location.
Your profession can influence how much you're on the road. For example, someone using their car daily for work might be considered higher risk than someone working from home.
Hippo.co.za helps you find the right insurer no matter your age, location, or occupation—compare multiple quotes for peace of mind and affordability.
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.
