Discovery Insure
4.6
Why it winsHighest editor score (4.6/5) across cover, value and service.
Car Insurance
Cheapest car insurance in South Africa
Compare comprehensive car insurance premiums from Discovery Insure, OUTsurance, King Price, MiWay and Naked across all SA provinces.
Written by
MoneyWise Editorial Team
SA Personal Finance Desk
Fact-checked
Faatimah Hendricks, CFP®
Independent reviewer
Last updated
3 August 2026
4 car insurance providers
DisclosureSome providers below are paid partners. Rankings reflect editor scoring — see how we review.
What matters most
What to look for in a car insurance provider
- 1Editor score across price, cover and customer service.
- 2Independent customer-satisfaction data (SAcsi, Ombudsman).
- 3Transparent fees and no lock-in clauses.
- 4Match to your situation — best-for tags reflect real use cases.
Editor's awards
Best car insurance for…
Our analysts ranked every option on price, cover, claims experience and rewards. These won their categories.
King Price
4.4
Why it winsLowest indicative monthly cost — From R679 pm.
- Editor's pick
Discovery Insure
Vitality Drive fuel cashback
4.6Safe driversFrom R949 pm OUTsurance
OUTbonus cash-back
4.5BundlingFrom R1 020 pmKing Price
Premium decreases monthly
4.4Older vehiclesFrom R679 pmNaked Insurance
App-only quotes in 90 seconds
4.3Digital-firstFrom R735 pm
Ready to compare car insurance?
Spec sheet
Side-by-side comparison
Compare the exact car insurance features that matter — prices, cover, rewards and more — column by column.
| Car Insurance providers | D Discovery Insure 4.6 Editor | O OUTsurance 4.5 | K King Price 4.4 | N Naked Insurance 4.3 |
|---|---|---|---|---|
| Best for | Safe drivers | Bundling | Older vehicles | Digital-first |
| Avg. monthly premium | R449 | R560 | R593 | R392 |
| Standard excess | R7000 | R3500 | R7500 | R7000 |
| Avg. claim settlement | Same day | 24 hours | Same day | 3–5 days |
| Telematics / driver score | Included | Included | Included | No |
| Cashback / no-claim bonus | Included | No | No | Included |
| Roadside assistance | Included | Included | No | Included |
| Courtesy car included | Included | Included | Included | Included |
| App rating | 3.7 | 3.6 | 3.7 | 4.0 |
| Apply |
D
Discovery Insure
Safe drivers
4.6
- Avg. monthly premium
- R449
- Standard excess
- R7000
- Avg. claim settlement
- Same day
- Telematics / driver score
- Included
- Cashback / no-claim bonus
- Included
- Roadside assistance
- Included
- Courtesy car included
- Included
- App rating
- 3.7
O
OUTsurance
Bundling
4.5
- Avg. monthly premium
- R560
- Standard excess
- R3500
- Avg. claim settlement
- 24 hours
- Telematics / driver score
- Included
- Cashback / no-claim bonus
- No
- Roadside assistance
- Included
- Courtesy car included
- Included
- App rating
- 3.6
K
King Price
Older vehicles
4.4
- Avg. monthly premium
- R593
- Standard excess
- R7500
- Avg. claim settlement
- Same day
- Telematics / driver score
- Included
- Cashback / no-claim bonus
- No
- Roadside assistance
- No
- Courtesy car included
- Included
- App rating
- 3.7
N
Naked Insurance
Digital-first
4.3
- Avg. monthly premium
- R392
- Standard excess
- R7000
- Avg. claim settlement
- 3–5 days
- Telematics / driver score
- No
- Cashback / no-claim bonus
- Included
- Roadside assistance
- Included
- Courtesy car included
- Included
- App rating
- 4.0
Spec values are indicative and standardised for comparison. Confirm details with each provider before applying. See our methodology.
Information is indicative. Always confirm directly with the provider and read the policy schedule before purchase. MoneyWise may earn a commission when you click through.
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