Car Insurance Calculator

Instantly Compare & Estimate Your Car Insurance Premiums

Use our free car insurance calculator to quickly estimate how much you could pay for car insurance in South Africa. Whether you’re getting cover for a new vehicle or switching insurers, this tool helps you calculate personalized car insurance quotes online—fast and hassle-free.

Our easy-to-use calculator gives you a reliable premium estimate based on your car and personal profile (no personal information required). It’s ideal for comparing insurance options, understanding premium costs, and making informed decisions—all in minutes.

100% Free & No Obligation
Instant Online Car Insurance Estimates
Compare Quotes from Leading South African Insurers

How Our Car Insurance Calculator Works

Our calculator uses real-time data to provide a quick and accurate car insurance estimate.
Simply enter your details and receive instant comparisons from top South African car insurers.

Please note: your final premium may differ based on the insurer’s underwriting criteria.

What Affects Your Car Insurance Premium?

Several factors influence car insurance premiums in South Africa. Our calculator considers the following to estimate your monthly cost:

Age & Driving Experience: Younger or newly licensed drivers may pay more.
Marital Status: Married drivers often qualify for lower premiums.
Credit Score: A healthy credit profile may reduce your car insurance cost.
Insurance History: Past claims or policy lapses may increase your premium.
Gender: Some insurers include this in risk assessment.
Residential Location: Suburb and postal code can affect rates.
Vehicle Make & Model: Luxury or high-performance cars generally cost more to insure.
Selected Excess: A higher excess can reduce your monthly premium.
License Type & Issue Date: Used to determine risk and experience.
Type of Cover: Choose between Comprehensive, Third-Party, or Third-Party Fire & Theft.
Vehicle Usage: Personal vs. business use can impact pricing.
Claim-Free Years: A clean claims history can lead to discounts.

Why Use a Car Insurance Calculator?

Save Time: No need to contact multiple insurers individually.
Make Smarter Choices: Understand what influences your premium.
Compare Easily: View side-by-side quotes tailored to your profile.

Start Comparing Car Insurance Quotes Now

Use our online car insurance calculator below to get started. Enter your details and receive real-time quotes from South Africa’s leading insurers—all in one place.

Ready to Save on Car Insurance?

Compare, calculate, and choose the best cover that suits your needs—without the guesswork.