Car insurance companies in South Africa
Which car insurance company is best in South Africa?
There is no single best car insurance company - the right one depends on your car, your profile and what you value. South Africa has a wide market: large direct insurers, established broker-based names, bank-linked insurers and newer digital players. Below is a guide to the major companies and what each is known for, so you can shortlist a few and compare quotes.
Key takeaways
- No insurer is cheapest or best for everyone - each prices risk differently.
- Direct insurers quote online; broker-based insurers offer personal advice.
- Bank-linked insurers are convenient to bundle with your accounts.
- Read reviews for cover, claims reputation and extras - not just price.
- Comparing quotes for the same cover is the only way to find your best deal.
Major car insurance companies
King Price
Premiums that decrease every month as your car loses value.
King Price car insurance →OUTsurance
The OUTbonus - cash back if you stay claim-free over an agreed period.
OUTsurance car insurance →MiWay
Flexible, digital-first cover you can manage online.
MiWay car insurance →Budget Insurance
Affordable, straightforward cover for cost-focused drivers.
Budget Insurance car insurance →Auto & General
Tailored cover from an established direct insurer.
Auto & General car insurance →Discovery Insure
Vitality Drive - rewards and fuel cash-back for safe driving.
Discovery Insure car insurance →Naked
Fully app-based cover with CoverPause to pause your cover when you're not driving.
Naked car insurance →Pineapple
App-based cover you can start by snapping a photo of the item you want to insure.
Pineapple car insurance →Absa Insurance
Bank-backed car and home cover, easy to bundle with Absa banking
Absa Insurance car insurance →Santam
South Africa's largest short-term insurer, known for claims strength
Santam car insurance →Old Mutual Insure
Short-term cover backed by a major financial services group
Old Mutual Insure car insurance →Nedbank Insurance
Bank-linked car and home cover for Nedbank clients
Nedbank Insurance car insurance →dotsure.co.za
Online direct insurer known for car and pet cover
dotsure.co.za car insurance →Hollard Insurance
One of South Africa's largest privately-owned insurers
Hollard Insurance car insurance →AA Insurance
Car cover linked to the Automobile Association of South Africa
AA Insurance car insurance →Momentum Insure
Short-term cover from a major financial services group
Momentum Insure car insurance →Standard Bank Insurance
Bank-linked car and home cover for Standard Bank clients
Standard Bank Insurance car insurance →1st for Women
Direct car insurance designed around women drivers
1st for Women car insurance →Virseker
Direct car and home cover with a strong Afrikaans-market heritage
Virseker car insurance →Prime Meridian Direct
Direct, affordability-focused car insurance
Prime Meridian Direct car insurance →PPS Short-Term Insurance
Short-term cover aimed at graduate professionals
PPS Short-Term Insurance car insurance →FNB Insurance
Bank-linked car and home cover for FNB customers
FNB Insurance car insurance →Bryte Insurance
Established insurer offering personal and household cover
Bryte Insurance car insurance →Dialdirect
App-first direct cover with roadside and accident assistance.
Dialdirect car insurance →iWYZE
Direct short-term cover backed by Old Mutual.
iWYZE car insurance →Types of car insurance company
- Direct / online insurers - you deal with the insurer directly and quote online (for example OUTsurance, MiWay, King Price, dotsure, Naked, Pineapple). Quick and often competitive.
- Broker-based / established insurers - sold largely through brokers who give advice (for example Santam, Hollard, Old Mutual Insure). Good if you want guidance.
- Bank-linked insurers - convenient to bundle with your banking (for example Absa, Nedbank, Standard Bank).
- Specialist & niche insurers - built around a market or model, such as 1st for Women or usage-based digital insurers.
How to choose a car insurance company
- Decide what matters most - price, claims reputation, advice, or extras
- Choose your channel - direct/online for speed, a broker for advice
- Check the cover and excess, not just the monthly premium
- Read reviews of your shortlist
- Compare quotes for the same level of cover before you commit
Compare & learn more
- All insurer reviews
- Best car insurance in South Africa
- Cheapest car insurance
- How car insurance premiums are calculated
- Car insurance overview
Frequently asked questions
Who are the biggest car insurance companies in South Africa?
Which car insurance company is the cheapest?
How do I choose a car insurance company?
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