Absa Car Insurance
Driving-behaviour rewards on motor premiums.
Read the guide →The best car insurance depends on your car, how you drive and what you want from an insurer. Instead of one "winner", here are our picks for the most common needs, with the reasoning, so you know which insurers to put on your quote shortlist.
How we chose: we compared each insurer's published cover, rewards and way of buying. No insurer pays to be listed. We don't compare premiums, because yours depends on your car, driver profile and area. Always get at least three quotes.
OUTsurance says it pays back 10% of your paid premiums in cash after three consecutive claim-free years, and its excesses are fixed, so you know upfront what a claim would cost.
Read our OUTsurance Car Insurance guide → Also consider: Santam, Nedbank.
Vitality Drive scores your driving through an app and pays rewards, advertised at up to R1,500 a month back on fuel and Gautrain on the Classic and Purple plans. Worth it only if you'll engage with the programme.
Read our Discovery Car Insurance guide → Also consider: Absa.
FNB clients can earn up to 15% of their premium back in eBucks, and FNB lists a rental car excess waiver benefit. Offers all three standard cover types.
Read our FNB Car Insurance guide → Also consider: Absa, Nedbank.
MiWay's Lite and Total Loss levels let you pay for less cover on a car where full comprehensive doesn't make sense, with a flexible excess.
Read our MiWay Car Insurance guide → Also consider: OUTsurance, Budget Insurance.
Dotsure's Name Your Price model lets you switch parts of the cover on or off (night, weekend, windscreen, hail) and advertises a discount for buying online.
Read our Dotsure Car Insurance guide → Also consider: Budget Insurance.
Budget Insurance offers an annual payment holiday, a cash back bonus after two claim-free years and a discount for buying online.
Read our Budget Car Insurance guide → Also consider: MiWay, dotsure.co.za.
Santam, part of the Sanlam group, still sells mainly through brokers, who advise you and help at claim time. You can also get a direct online quote.
Read our Santam Car Insurance guide → Also consider: Old Mutual Insure, PSG Insure.
Volkswagen Financial Services' comprehensive cover, underwritten by Budget Insurance Company, promises repairs to factory specification with genuine parts.
Read our VW Car Insurance guide →
Not an insurer, but Hippo says it can show up to 13 car insurance quotes in about two minutes, free of charge.
Read our Hippo Car Insurance guide →
Many insurers require an approved tracker on higher-value cars, and most give a discount when one is fitted. See which trackers insurers accept or estimate your saving.
Driving-behaviour rewards on motor premiums.
Read the guide →Vitality Drive rewards for good driving, including fuel cash back.
Read the guide →OUTbonus: cash back after three claim-free years.
Read the guide →Three cover levels and an excess you can adjust.
Read the guide →Santam CashBack after three claim-free years.
Read the guide →Broker-led service from a specialist underwriting manager.
Read the guide →Car cover arranged as part of wider financial planning.
Read the guide →A personal adviser for cover and claims.
Read the guide →Existing policies carried over when the business merged.
Read the guide →Cashback for claim-free years, plus MyCover add-ons.
Read the guide →Name Your Price: switch parts of the cover on or off.
Read the guide →eBucks rewards on your premium.
Read the guide →Several car insurance quotes from one form.
Read the guide →Direct cover backed by Old Mutual.
Read the guide →A long-established insurer you can reach through a broker.
Read the guide →An annual payment holiday and a cash back bonus after two claim-free years.
Read the guide →Repairs to factory specification with genuine parts.
Read the guide →There isn't one best insurer for everyone. The best policy for you is the one with the right cover for your car, an excess you can afford, conditions you can meet, and a fair premium. Our picks point you to strong options for specific needs, but you should still compare quotes.
We compared insurers' published features: cover types, reward schemes, how you buy and who underwrites the cover. We don't test premiums, because they depend on each driver, and no insurer pays to be listed here.
No public ranking measures that fairly for every insurer. The National Financial Ombud Scheme publishes complaint information, and reading your policy wording before you buy is the best protection against a rejected claim.
Not always. A cheap premium can come with a high excess, a lower insured value or missing cover such as car hire. Compare the total cost you'd pay if you claimed, not just the monthly premium.
Tracker Prices SA is an independent information site. We are not an insurer or a licensed financial services provider, and nothing here is financial advice. Insurer details are summarised from each insurer's own published information, last checked September 2026. Cover, benefits and prices change, so always confirm them in your quote and policy wording. For a complaint about an insurer you can contact the free National Financial Ombud Scheme.
The only way to know which insurer is best for your car is to compare quotes like-for-like.