Average Car Insurance Premiums by Age and Province
Two of the biggest things that decide your car insurance premium are your age and where you live. Based on Savvy Insurance quote data, the average premium ranges from R1,663.64 a month for drivers aged 18-25 down to R714.41 for drivers over 70, and from about R975 a month in the Western Cape to R1,375 in Limpopo. Here is the full breakdown by age and province. For what each level of cover costs, see car insurance cost by cover type, and for the full pricing logic see the car insurance cost guide.
Average car insurance premium by age
Based on Savvy Insurance quote data, the average accepted premium falls steadily with age:
| Age | Average monthly premium |
|---|---|
| 18-25 | R1,663.64 |
| 26-29 | R1,534.29 |
| 30-35 | R1,318.38 |
| 36-39 | R1,182.06 |
| 40-49 | R1,109.43 |
| 50-59 | R1,032.81 |
| 60-69 | R887.54 |
| 70+ | R714.41 |
A driver under 25 pays more than double a driver over 70 for comparable cover, because younger, less experienced drivers are statistically higher risk. The premium drops with every claim-free year. See what young drivers pay.
Average car insurance premium by province
Insurers rate the crime and accident risk of your specific area, so premiums vary widely by province. Based on Savvy Insurance quote data:
| Province | Average monthly premium |
|---|---|
| Western Cape | R975.10 |
| KwaZulu-Natal | R1,282.56 |
| Gauteng | R1,364.15 |
| Limpopo | R1,375.09 |
The Western Cape is the cheapest of these at about R975 a month, while Gauteng sits near R1,364 and Limpopo is the priciest at about R1,375. At city level, Johannesburg and Pretoria track close to the Gauteng figure, Durban to KwaZulu-Natal, and Cape Town to the Western Cape.
Why does location make such a difference?
Because your premium is priced on the risk of your specific area, mainly crime and accident frequency. The same car and driver can cost close to 50% more in a high-risk metro than in a lower-risk area. Where you park, in a locked garage, a complex, or on the street, sharpens that further. See how your address and parking affect your premium.
Can you change how age and area affect your premium?
Age you cannot change, but its effect fades with experience and a clean record. Location you sometimes can, through secure parking and a tracker, which lower the risk your area implies. The one lever that always works is comparing, because insurers weigh age and area differently. See how much you save by comparing.
The bottom line
Age and province are two of the strongest drivers of price: from R1,663.64 a month for under-25s down to R714.41 for over-70s, and from about R975 in the Western Cape to R1,375 in Limpopo, on Savvy quote data. You cannot change your age, but you can compare. Compare car insurance quotes.
Figures are Savvy Insurance quote data. Premiums are risk-profile dependent and paid monthly, cover depends on your policy schedule and wording, and Savvy Insurance is a comparison service. Always check your own policy documents for exactly what is and is not covered.
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