Santam Car Insurance
Santam CashBack after three claim-free years.
Read the guide →Most car insurance in South Africa is sold nationally, online or by phone, so the insurer doesn't need to be near you. What "near me" usually means is a local broker who can advise you face to face, or a branch you can walk into. Here's when that's worth it, and how to check a broker before you trust them with your cover.
You want advice, you have several cars or a business vehicle, your claims history is complicated, or you want someone in your corner at claim time.
You're comfortable comparing quotes yourself, want the quickest process and no broker fee, and are happy to handle claims online or by phone.
Your address is one of the biggest pricing factors. Insurers look at theft, hijacking and accident rates where the car is kept overnight, and at how it's kept: a locked garage is priced very differently from street parking. In high-risk areas, many insurers also require an approved tracker on higher-value cars.
If you're in a high-theft area, a tracker can pay for itself through a lower premium. See our theft risk checker and our guide to tracker installation areas.
Whether you use a broker or not, you can get most car insurance quotes online. Use our car insurance quotes page to request quotes, or see all car insurance companies in South Africa to quote directly.
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.
Santam CashBack after three claim-free years.
Read the guide →A long-established insurer you can reach through a broker.
Read the guide →A personal adviser for cover and claims.
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 →It can be, if you want advice and someone to help you at claim time. A local broker knows the area's risks and repairers. A direct insurer is often quicker and has no broker fee. Get quotes both ways and compare.
Ask for their FSP number and look it up on the Financial Sector Conduct Authority's (FSCA) FSP search. Also check that the broker is authorised for short-term personal lines insurance.
Yes. Insurers price the risk of theft, hijacking and accidents where the car is kept overnight, so moving suburb can change your premium. Always tell your insurer if your address changes.
Yes. Most South African car insurance is bought online, in an app or over the phone. Some insurers may ask for an inspection or photos of the car before cover starts.
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.
Tell us about your car once and we'll arrange for quotes to be sent to you, so you can compare premiums and excesses side by side.