Cheap Car Insurance
Finding cheap car insurance in South Africa doesn’t mean you have to compromise on quality or protection.
Whether you’re a new driver, own an older vehicle, or simply want to reduce your monthly expenses, there are affordable car insurance options that still offer solid coverage.
The key is knowing where to look, how to compare, and what types of policies suit your driving needs best.
What Affects Car Insurance Premiums?
Before diving into how to save money, it’s helpful to understand what influences your car insurance price:
- Type of cover (third party, fire and theft, comprehensive)
- Vehicle make and model
- Your age and driving experience
- Where you live
- Claims history
- Security features (e.g., alarms, tracking devices)
Insurers use these factors to assess your risk profile — and your premium is calculated accordingly.
But the good news is: you can still find cheap car insurance that offers the right balance between cost and protection.
Types of Affordable Car Insurance Policies
There are three main types of car insurance available in South Africa:
- Third Party Only – Cheapest option. Covers damage to other vehicles or property. Does not cover your own car.
- Third Party Fire and Theft – Slightly more expensive than third party only. Covers damage from fire or theft.
- Comprehensive Insurance – Most expensive, but offers full protection. Best for newer or high-value vehicles.
If you’re looking for cheap car insurance, third party fire and theft is often the best value — especially for older vehicles.
Tips to Save on Car Insurance in South Africa
Here are some practical ways to get cheap car insurance without sacrificing essential coverage:
| Tip | Description |
|---|---|
| Compare Quotes | Use a site like carinsurances.co.za to find the best deal |
| Choose the Right Cover | Don’t overpay for comprehensive if your car isn’t worth it |
| Bundle with Other Services | Some insurers offer discounts if you combine car + household insurance policies |
| Install a Tracker | Vehicle tracking systems can lower your risk profile and reduce premiums |
| Pay Annually | Paying in full can be cheaper than monthly instalments |
| Increase Your Excess | A higher voluntary excess can reduce your monthly cost |
| Use No-Claim Discounts | Build up a claim-free record to earn premium discounts |
How to Compare Cheap Car Insurance
At carinsurances.co.za, we help you compare affordable car insurance policies from top insurers in South Africa.
Here’s how it works:
- Enter your vehicle details
- Select your preferred cover type
- Review quotes from multiple insurers
- Choose the best deal for your needs
We make it easy to find cheap car insurance that still offers reliable protection — so you can drive with confidence and peace of mind.
Cheap Car Insurance Comparison Table
| Policy Type | Average Monthly Cost | Best For |
|---|---|---|
| Third Party Only | R100–R600 | Older cars |
| Third Party Fire and Theft | R300–R900 | Budget-conscious drivers |
| Comprehensive | R400–R2,500+ | New cars, vehicles used on daily basis |
Who Should Buy Cheap Car Insurance?
Cheap car insurance is ideal for:
- Drivers of older or low-value vehicles
- First-time drivers looking for budget-friendly options
- People who want basic protection without paying for extra features
- Drivers who are not using their car frequently
- Those who want to save money without sacrificing legal compliance
Remember: the cheapest policy isn’t always the best — always read the fine print and understand what is and isn’t covered.
How to Get the Cheapest Car Insurance
Here’s how to find the cheapest car insurance in South Africa without compromising on quality:
- Compare quotes – compare policies from top insurers.
- Avoid unnecessary add-ons – only pay for what you need.
- Opt for a higher excess – this often lowers your monthly premium.
- Install a tracking device – some insurers offer discounts for added security.
- Pay annually – avoid interest or admin fees by paying upfront.
- Drive safely – a clean record helps you qualify for no-claim bonuses.
Frequently Asked Questions
Q: Is third party fire and theft a good option for saving money?
A: Yes — it offers more protection than basic third party, at a lower cost than comprehensive cover.
Q: Can I get car insurance for under R500/month?
A: Yes, especially if you drive an older model and choose third party or fire and theft cover.
Q: Do I need comprehensive insurance if I drive an older car?
A: Not necessarily. If your car is worth less than R50,000, third party fire and theft may be sufficient.
Q: Will installing a car tracker reduce my insurance costs?
A: Yes — many insurers offer discounts for vehicles with approved tracking systems.
