How Does Age Affect Your Car Insurance?

Looking for the best car insurance in South Africa? Whether you're a young driver navigating your first policy or a senior seeking affordable coverage tailored to your needs, this guide has got you covered! We’ll explore insurance options, compare premiums, and share valuable tips to help you save on car insurance. Plus, discover practical insights into choosing the right coverage, understanding premiums, and filing claims—all in one place. Let’s simplify the process and ensure you find the perfect policy for peace of mind on the road.

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Car Insurance Premiums By Age

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from South Africa’s top providers

King Price Car Insurance
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Iwyze Car Insurance
Dialdirect Car Insurance
Pineapple
1st For Women Car Insurance
Auto & General Car Insurance
Dotsure.co.za Car Insurance
Nedbank Insurance
Old Mutual Insurance

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Car Insurance Premiums by Age in South Africa

SOURCE: HIPPO

Key Takeaways

The graph is pretty simple, right? The younger you are, the more you’re going to be paying for car insurance.

Why? Younger drivers are less experienced and statistically more likely to have accidents. Insurers see this as a higher risk, so they charge more to cover potential claims.

Older drivers get better rates (mostly)

Once you hit your mid-20s and gain more driving experience, your premiums tend to drop. Safe driving records and years behind the wheel show insurers you’re less of a risk. However, very senior drivers might see an increase in premiums due to factors like slower reaction times or health-related risks.

Experience matters

New drivers, no matter their age, often pay higher premiums. A 30-year-old getting their first car is seen as less skilled on the road compared to someone of the same age with 10 years of driving experience. The more years of driving you have under your belt, the better rates you’re likely to get—assuming you keep a clean driving record.

What’s the Best Car Insurance for Young Drivers in South Africa?

There are no insurance products in South Africa made specifically for young drivers, but there are brands that have service offerings that those under 25 would likely appreciate.

Pineapple and Naked, for instance, use AI technology and have apps that make dealing with them easy and fun – they’re also focused on affordable plans.

But whichever insurer you go with, there are ways you can save on car insurance even as a young driver.

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These are our top 3 tips:

#1 Pick a sensible car:

If you’re shopping for a car, don’t just think about looks and performance – also consider what it’s going to cost to insure each month.

Below is a breakdown of what you could expect to pay for 5 popular car brands:

Top 5 vehicles premiums compared on Hippo for Males Aged 18-25

VehiclesLowest PremiumHighest Premium
VW Polo R1,813 R2,342
VW Polo Vivo R1,521 R1,927
Ford Fiesta R1,246 R1,558
Suzuki Swift R1,722 R2,136
Hyundai i20 R1,486 R1,950

 

Top 5 vehicles premiums compared on Hippo for Females Aged 18-25

VehiclesLowest PremiumHighest Premium
VW Polo R1,407 R1,693
Kia Picanto R1,124 R1,364
Suzuki Swift R1,398 R1,670
Kia Rio R1,531 R1,926
VW Polo Vivo R1,237 R1,501

 

#2 Be smart about when you claim

Making a claim can push up your premium and lose your no-claims bonus. Cover small damages out of pocket if possible.


#3 Compare, compare, compare

Use Hippo to compare multiple quotes from top providers, ensuring you save both time and money effortlessly!

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Is There Any Way I Can Reduce My Monthly Premium?

Yes! There are a couple of tactics you can use to reduce your insurance premium, despite your age:

More comprehensive cover means higher premiums. Which means that third-party car insurance will be the cheapest cover for your vehicle in South Africa.

Although it’s tempting to save more on your car insurance so that you have more to spend on things you love, remember that you’ll get what you pay for. The cheapest car insurance might leave you wanting more if you happen to get into an accident. If you want complete peace of mind, comprehensive car insurance cover will do it for you.

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Stats show that out of 10 million motorists in South Africa, 65% are uninsured. That means more than half of the drivers you see on the road aren't covered to pay for your vehicle to be repaired if they cause an accident. Scary stuff! Don't be another statistic.

Plus, accidents, vehicle theft, and breakdowns can happen when you least expect them to. Right now, can you afford the costs of towing, replacing or repairing your car, or paying for the damage to someone else's vehicle?

Also, most insurers offer an array of added benefits, like emergency response to an accident, or help getting your keys out the car when you've locked them in there.

All of these reasons are why you need a car insurance policy—it can assist with paying towards these costs and help you when you're in a bind.

Rather enjoy complete peace of mind by getting car insurance that will cover you in a variety of situations. Luckily, your favourite Hippo is here to help you to find the best deal by comparing a range of quotes from 11 different insurers, so you know you've really done your homework on car cover quotes.

Hippo.co.za is free to use for all South Africans. There are no hidden charges and we do not add any fee to the price you see. You can compare car insurance quotes for FREE today!

No, we do not. Your details are held securely and we do not share or sell your details to any 3rd parties. As South Africa's go-to for free car insurance quotes, we pride ourselves in treating customers fairly (TCF) and protecting your data and the way we deal with you.

Finding Affordable Cover for Car Insurace by Age

To get the best car insurance deals, research is crucial. Hippo.co.za simplifies the process with its comparison tool, letting you view quotes from multiple South African insurers.

Compare options to find affordable premiums and the right coverage for your needs.

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Expert Tools, Tips and Guides

Welcome to our comprehensive Car Insurance Guide, where we've meticulously compiled essential information, tools, and insights designed to assist you in navigating the complex world of car insurance.

Here are some of our guides to help you make the best choice for you

Our Guides

  • Comprehensive Cover: Offers extensive protection against financial losses from a wide array of incidents involving your vehicle.

  • Third Party, Fire and Theft: Not only covers damages to others but also protects your car against theft or fire damage.

  • Third Party Only: Safeguards against the costs of damage to other people and their property, without covering your own vehicle.

  • Vehicle Use Classification: Offers extensive protection against financial losses from a wide array of incidents involving your vehicle.

Here are some of our tips to help you make the best choice for you

Our Tips

You can compare more than just car insurance quotes.

Put yourself in the driver’s seat of your dream car and keep it looking brand-spanking new with value-added insurance products, provided by trusted and reliable South African insurers.

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Scratch & Dent

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Can't stand to look at those little scrapes, scratches, and dents that tarnish your otherwise-brilliant-looking car? Scratch & dent will pay to repair small blemishes.

Search Scratch & Dent Cover
Tyre & Rim Guard

Tyre & Rim Guard

South African roads are full of potholes—this we all know. Protect your tyres and rims from damage caused by bad road conditions.

Get Tyre & Rim Guard Quotes
Car Tracker

Car Tracker

Many insurance providers prefer for you to have a vehicle tracker installed in your car to minimise the chances of it being stolen, or to assist in recovering a stolen vehicle. Some insurers even offer discounts for it!

Collect Car Tracker Quotes
Motor Warranty

Motor Warranty

Extend your manufacturer’s warranty and get cover for the repair or replacement of certain vehicle components.

Get Motor Warranty Quotes
Service Plan

Service Plan

Keep your vehicle in the tippest, toppest shape with a service plan and cover the costs of scheduled services.

Compare Service Plan Quotes
Scratch & Dent

Scratch & Dent

Can't stand to look at those little scrapes, scratches, and dents that tarnish your otherwise-brilliant-looking car? Scratch & dent will pay to repair small blemishes.

Search Scratch & Dent Cover