Car insurance by city in South Africa
Where you live and park is one of the biggest factors in your premium. Explore how local risk shapes car insurance in your city.
South African insurers price cover on risk, and that risk is deeply local. A car parked overnight in a high-hijacking Gauteng suburb is priced very differently from one in a quiet coastal town. Hail on the Highveld, flooding in KwaZulu-Natal, wind and winter storms in the Western Cape, and long-distance driving in the interior all feed into what you pay. Pick your city to see what matters where you drive.
Choose your city
Johannesburg
Gauteng · Hijacking and theft
Car insurance in Johannesburg →Pretoria
Gauteng · Hijacking and hail
Car insurance in Pretoria →Cape Town
Western Cape · Theft and winter storms
Car insurance in Cape Town →Durban
KwaZulu-Natal · Flooding and storm damage
Car insurance in Durban →Pietermaritzburg
KwaZulu-Natal · Flooding and hail
Car insurance in Pietermaritzburg →Gqeberha
Eastern Cape · Coastal weather and road conditions
Car insurance in Gqeberha →East London
Eastern Cape · Coastal weather and long-distance driving
Car insurance in East London →Bloemfontein
Free State · Hail and open-road driving
Car insurance in Bloemfontein →Polokwane
Limpopo · Rural-road and livestock risk
Car insurance in Polokwane →Mbombela
Mpumalanga · Summer storms and mountain-pass driving
Car insurance in Mbombela →Kimberley
Northern Cape · Long-distance and gravel-road driving
Car insurance in Kimberley →Rustenburg
North West · Heavy traffic and theft
Car insurance in Rustenburg →Sandton
Gauteng · Hijacking of high-value cars
Car insurance in Sandton →Centurion
Gauteng · Hijacking and hail
Car insurance in Centurion →Soweto
Gauteng · Theft and street parking
Car insurance in Soweto →Randburg
Gauteng · Hijacking and hail
Car insurance in Randburg →Roodepoort
Gauteng · Theft and hail
Car insurance in Roodepoort →Benoni
Gauteng · Theft near freight and airport routes
Car insurance in Benoni →Boksburg
Gauteng · Theft and highway traffic
Car insurance in Boksburg →Kempton Park
Gauteng · Theft near the airport
Car insurance in Kempton Park →George
Western Cape · Coastal weather and mountain passes
Car insurance in George →Stellenbosch
Western Cape · Young drivers and winter storms
Car insurance in Stellenbosch →Vereeniging
Gauteng · Industrial traffic and theft
Car insurance in Vereeniging →Prefer to compare by province?
If your town isn't listed, our province guide explains how each of South Africa's nine provinces affects your premium. You can also read the car insurance overview or compare insurers.
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