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Car Insurance Estimator
Car Insurance Estimator
Quick, educational estimate of annual & monthly premiums. Choose currency, enter car value and risk details, then review the breakdown.
Display only; no FX conversion.
Market/insured value.
Comprehensive is most common on financed cars.
Up to 40% discount max.
Higher excess = lower premium (up to ~20%).
Estimated Annual Premium
R 0.00
Before monthly split
Estimated Monthly Premium
R 0.00
Assumes 12 equal payments
Breakdown
Enter details and click “Estimate Premium”.
How this estimate is calculated (simplified)
Base premium = car value × base rate, where base rate depends on coverage:
- Third-Party: 2.2%
- Third-Party, Fire & Theft: 3.0%
- Comprehensive: 3.8%
Risk multipliers: age, mileage, location, usage, parking, anti-theft, driver training, and chosen excess (deductible). NCD (no-claims) discounts up to 40%. Add-ons add a flat amount. Monthly = Annual / 12.
This is for guidance only and not a quote.
Disclaimer: This tool provides an educational estimate only. Actual premiums vary by insurer, underwriting, credit, claims history, and detailed risk factors.
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