Car Insurance Companies in South Africa – A Comprehensive Guide

If you are looking for car insurance in South Africa, you should know that there are a number of different companies offering a variety of coverages for your car that you can choose from, including comprehensive, third party, third party, fire and theft.

To protect your vehicle and guarantee your peace of mind, choosing the right company is of utmost importance. That’s why in this article we’ll take a closer look at each of them, who are the main providers or reputable insurers and what offers or promotions you can find.

Best 13 Car Insurance in South Africa

Choosing the right car insurance is essential for protecting your vehicle and ensuring peace of mind. Here are the best 13 car insurance companies in South Africa, detailing their key features and benefits to help you find the best provider for your needs.

King Price Car Insurance

Choose the excess that best suits your budget. Emergency assistance 24/7, for when you need to be rescued.

Quote now

1. Outsurance

Outsurance is renowned for its customer-centric approach and innovative insurance products. They offer a variety of car insurance options, ensuring you get the best coverage for your needs.

Key Features:

1. Comprehensive Insurance: Covers damages to your car, theft, and third-party liability.
2. Third-Party, Fire and Theft: Provides coverage for damages caused to others, fire, and theft.
3. Third-Party Only: Covers damages you cause to other vehicles.
4. Flexible Excess: Customise your excess amount to manage premiums.
5. Cash Out Bonus: Receive a cash bonus for not claiming within a specified period.

How to Apply:

• Online: Get quotes and purchase policies instantly through the Outsurance website.
• Call Centre: Speak directly with a consultant for personalised service.
• Mobile App: Manage your policy and file claims conveniently using the Outsurance app.

2. Discovery Insure

Discovery Insure offers innovative car insurance solutions with a focus on rewarding safe driving. Their Vitality Drive programme incentivises good driving habits with various rewards.

Key Features:

1. Comprehensive Cover: Extensive coverage including theft, damage, and third-party liability.
2. Vitality Drive: Earn rewards and cashback for safe driving.
3. Personalised Premiums: Adjust premiums based on your driving behaviour.
4. Accident Assistance: 24/7 accident support and immediate assistance.
5. No Excess for Theft: No excess payable if your car is stolen.

How to Apply:

• Online: Quick and easy online quotes and applications via the Discovery Insure website.
• Discovery Stores: Visit a Discovery Store for face-to-face consultations.
• Mobile App: Use the Discovery app for policy management and claims.

3. Old Mutual Insure

Old Mutual Insure is one of South Africa’s oldest and most trusted insurance companies, offering a wide range of car insurance products designed to meet various needs.

Key Features:

1. Comprehensive Cover: Includes theft, damage, and third-party liability.
2. Third-Party, Fire and Theft: Covers third-party damages, fire, and theft.
3. Third-Party Only: Liability coverage for damages to other vehicles.
4. Optional Extras: Add-ons like car hire, roadside assistance, and more.
5. Reliable Claims Service: Known for efficient and fair claims processing.

How to Apply:

• Online: Visit the Old Mutual Insure website for quotes and online applications.
• Branches: Numerous branches across South Africa for in-person service.
• Financial Advisors: Consult with financial advisors for tailored insurance solutions.

4. MiWay

MiWay offers a fully online insurance experience, providing a range of flexible and affordable car insurance products. Known for their excellent customer service and competitive rates.

Key Features:

1. Comprehensive Cover: Protects against theft, damage, and third-party liability.
2. Third-Party, Fire and Theft: Coverage for third-party damages, fire, and theft.
3. Third-Party Only: Basic liability coverage for damages to other vehicles.
4. Fixed Premiums: No annual premium increases.
5. 24/7 Emergency Assistance: Roadside and accident assistance available at all times.

How to Apply:

• Online: Obtain quotes and purchase policies directly from the MiWay website.
• Call Centre: Speak to a consultant for advice and policy setup.
• Online Chat: Use the online chat feature for instant support and queries.

5. Santam

Santam is one of South Africa’s largest and most reputable insurance companies, offering extensive car insurance options with numerous additional benefits.

Key Features:

1. Comprehensive Cover: Protection against theft, damage, and third-party liability.
2. Third-Party, Fire and Theft: Covers third-party damages, fire, and theft.
3. Third-Party Only: Basic liability coverage for damages to other vehicles.
4. Optional Add-Ons: Enhanced cover options like car hire and sound system insurance.
5. Trusted Brand: Renowned for reliable service and strong claims support.

How to Apply:

• Online: Get instant quotes and apply online via the Santam website.
• Brokers: Work with insurance brokers to tailor the best policy for your needs.
• Santam Offices: Visit local offices for in-person consultations.

6. King Price Insurance

King Price Insurance is known for its unique pricing model where premiums decrease monthly. They offer a range of car insurance products designed to save you money over time.

Key Features:

1. Comprehensive Insurance: Covers theft, damage, and third-party liability with decreasing premiums.
2. Third-Party, Fire and Theft: Coverage for third-party damages, fire, and theft.
3. Third-Party Only: Basic liability coverage for damages to other vehicles.
4. Decreasing Premiums: Premiums reduce every month as the value of your car depreciates.
5. Optional Extras: Additional cover options like car hire and credit shortfall.

How to Apply:

• Online: Use the King Price website for instant quotes and policy setup.
• Call Centre: Friendly consultants are available to help you over the phone.
• Mobile App: Manage your policy and claims conveniently through the King Price app.

7. Budget Insurance

Budget Insurance focuses on providing affordable car insurance options without compromising on coverage. They offer a variety of products designed to suit different budget needs.

Key Features:

1. Comprehensive Cover: Full protection against theft, damage, and third-party liability.
2. Third-Party, Fire and Theft: Includes cover for fire, theft, and third-party damages.
3. Third-Party Only: Basic cover for liability towards third parties.
4. Flexible Payment Plans: Various payment options to suit different budgets.
5. Additional Benefits: Includes roadside assistance, towing services, and more.

How to Apply:

• Online: Quick and easy quotes and applications through the Budget Insurance website.
• Phone: Speak to a consultant for detailed advice and policy setup.
• Branches: Visit a Budget Insurance branch for face-to-face assistance.

8. Dialdirect

Dialdirect offers straightforward and comprehensive car insurance solutions with a focus on convenience and customer satisfaction. They provide a range of products to meet various insurance needs.

Key Features:

1. Comprehensive Cover: Includes protection against theft, damage, and third-party liability.
2. Third-Party, Fire and Theft: Covers third-party damages, fire, and theft.
3. Third-Party Only: Basic liability coverage for damages to other vehicles.
4. No-Claim Bonus: Rewards for claim-free periods.
5. Value-Added Services: Includes roadside assistance and towing services.

How to Apply:

• Online: Obtain quotes and apply online via the Dialdirect website.
• Call Centre: Consultants are available to assist you with your queries and applications.
• Mobile App: Manage your policy and claims through the Dialdirect app.

9. Old Mutual Insure

Old Mutual Insure is one of South Africa’s oldest and most trusted insurance companies, offering a wide range of car insurance products designed to meet various needs.

Key Features:

1. Comprehensive Cover: Includes theft, damage, and third-party liability.
2. Third-Party, Fire and Theft: Covers third-party damages, fire, and theft.
3. Third-Party Only: Liability coverage for damages to other vehicles.
4. Optional Extras: Add-ons like car hire, roadside assistance, and more.
5. Reliable Claims Service: Known for efficient and fair claims processing.

How to Apply:

• Online: Visit the Old Mutual Insure website for quotes and online applications.
• Branches: Numerous branches across South Africa for in-person service.
• Financial Advisors: Consult with financial advisors for tailored insurance solutions.

10. AA Insurance

AA Insurance is well-known for its reliable and customer-focused car insurance products. They offer a variety of options to cater to different needs and budgets.

Key Features:

1. Comprehensive Cover: Extensive protection including theft, damage, and third-party liability.
2. Third-Party, Fire and Theft: Provides coverage for fire, theft, and third-party damages.
3. Third-Party Only: Basic liability coverage for damages caused to other vehicles.
4. Roadside Assistance: Includes 24/7 roadside assistance as part of the policy.
5. Member Discounts: Special discounts for AA members.

How to Apply:

• Online: Visit the AA Insurance website for quotes and online applications.
• AA Offices: Apply in person at AA offices across South Africa.
• Phone: Speak with AA Insurance consultants for personalised advice.

11. First for Women Insurance

First for Women Insurance offers tailored insurance products specifically designed for women. Their car insurance policies include unique benefits that cater to the needs of female drivers.

Key Features:

1. Comprehensive Cover: Full protection including theft, damage, and third-party liability.
2. Third-Party, Fire and Theft: Includes cover for third-party damages, fire, and theft.
3. Third-Party Only: Basic liability coverage for damages to other vehicles.
4. Guardian Angel on Call: Emergency roadside and home assistance.
5. Handbag Cover: Insurance for handbags and their contents as part of the policy.

How to Apply:

• Online: Get quotes and apply online through the First for Women website.
• Call Centre: Speak to a consultant for tailored advice and policy setup.
• Events and Expos: Visit First for Women stands at events for special offers and assistance.

12. Momentum Insurance

Momentum Insurance provides a range of comprehensive car insurance products designed to offer extensive coverage and value-added benefits.

Key Features:

1. Comprehensive Cover: Includes theft, damage, and third-party liability protection.
2. Third-Party, Fire and Theft: Covers third-party damages, fire, and theft.
3. Third-Party Only: Basic liability coverage for damages caused to other vehicles.
4. Safety Bonus: Rewards for claim-free periods and safe driving.
5. Emergency Assistance: 24/7 roadside and medical assistance included.

How to Apply:

• Online: Instant quotes and policy applications available on the Momentum website.
• Brokers: Use authorised brokers for personalised advice and policy management.
• Momentum Branches: Visit local branches for in-person consultations.

13. Auto & General Insurance

Overview: Auto & General Insurance offers a wide range of car insurance products, known for their flexible terms and comprehensive coverage options.

Key Features:

1. Comprehensive Cover: Protects against theft, damage, and third-party liability.
2. Third-Party, Fire and Theft: Covers third-party damages, fire, and theft.
3. Third-Party Only: Basic liability coverage for damages to other vehicles.
4. Optional Add-Ons: Customise your policy with extras like car hire and credit shortfall cover.
5. Efficient Claims Process: Known for their quick and fair claims handling.

How to Apply:

• Online: Obtain quotes and apply online via the Auto & General website.
• Call Centre: Speak to a consultant for policy details and setup.
• Insurance Brokers: Work with brokers to tailor the best insurance plan for your needs.

Choosing the Right Car Insurance Company in South Africa

Selecting the right car insurance company is essential for protecting your vehicle and ensuring you get the best value for your money. South Africa offers a range of reputable insurance providers, each with unique features and benefits tailored to different needs. Whether you prioritise comprehensive cover, affordability, or rewards for safe driving, this guide helps you navigate the options and choose the best car insurance company for your needs. Make an informed decision and drive with confidence knowing you have the right coverage.