Cheap Car Insurance for New Drivers in South Africa 2025

Q: Why are car insurance premiums higher for new drivers?

Insurers price on risk. New drivers have less on-road experience and no insurance history, and are still building road awareness—so premiums start higher but can drop with safe driving and good risk behaviour.

This post was published on Sep 2, 2025 | Updated on Sep 2, 2025

So, you’ve just gotten your license, shoutout to you! Now it’s time to level up your adulting game; and that starts with covering your new wheels.

Car insurance may sound like another debit order waiting to happen, but here's the truth: comprehensive car insurance doesn't have to break your wallet. We've rounded up 8 smart, street-savvy ways to save up to R4,000 per year* on your premium, without compromising on cover. *Disclaimer: Premiums and savings are risk profile dependent and reviewed annually.

Why Are Car Insurance Premiums Higher for New Drivers?

Insurance is about one thing: risk.

New drivers typically face higher premiums because they:

• Have less driving experience

• Don’t have an insurance history

• Are still building awareness and confidence on the road

You're fresh off K53 training, juggling three-point checks, five-point checks, mirror setups, traffic signals, speed management, route planning, and car size orientation — all while trying to remember which lane to be in and how to safely navigate Jozi or Durban traffic.

That doesn’t mean you're a bad driver, just that insurers don’t yet have the proof you're a good one.

But here’s the win: with a few #wyzemoves, you can lower your future premium without sacrificing quality cover.

8 #WYZE Ways to Lower Your Car Insurance in 2025

1. Drive Well and Remember Your K53 Training

Keep distractions away and be intentional behind the wheel. That means:

• No texting while driving

• No eating or drinking

• No fiddling with the radio

• No reaching for your phone or bag

According to Accident Angels, 25% of crashes in SA are caused by distracted driving.

Pro tip: Adjust your mirrors, wear your seatbelt, drive within the speed limit, maintain a safe following distance, use your signals, and don’t drive drowsy. Your life (and someone else’s) may depend on it — and your premium will reflect it.

2. Choose a Low-Risk Vehicle That Won’t Empty Your Wallet

Love the idea of a Gusheshe (BMW 325iS)? We get it, it's iconic. But also:

• Expensive to fix

• Costly to insure

• Prone to hijacking

• Hard to find parts for

Instead, opt for practical, affordable options like:

• Toyota Starlet

• Suzuki Swift

Which fall in the Top 10 Best-Selling Car Brands in SA for May 2025 according to Car Magazine

1. Toyota

2. Suzuki Auto

3. Volkswagen Group SA

4. Hyundai

5. Ford

6. GWM SA

7. Chery Auto

8. Isuzu Motors

9. Mahindra

10. Kia South Africa

Think: service costs, tyre replacement, fuel economy, hijack risk, and resale value. And according to this report, brands like Renault are less hijacked. Checkout the full breakdown of best budget cars and their actual insurance premiums for a new driver below to help you choose your next ride wisely.

3. Bundle & Save with One Provider

Already insuring your car? Add your:

• Smartphone

• Laptop

• Home contents

iWYZE rewards bundling with discounts, less admin, and one simple debit.

4. Use Your Excess to Control Your Premium

Your insurance excess is what you’ll pay from your own pocket if something goes wrong. A little planning now such as opting for a higher excess is a powerful way to reduce your Car Insurance premium.

• Higher excess = lower monthly premium

• But don’t raise it too high, you still need to afford it when you claim

Learn more in our excess breakdown blog.

5. Compare Car Insurance Quotes — But Do It the Wyze Way

Yes, price matters. But don’t just compare the cheapest quote, weigh in:

• What’s covered?

• What's the brand reputation?

• Are claims handled easily?

iWYZE gives you:

✅ Fair, tailored pricing

✅ Local understanding

✅ Easy, digital-first quoting

You’re not buying airtime. You’re covering your car. Choose wisely.

6. Be Honest When You Apply

We know, you might be tempted to say you park in a garage when you don’t or exclude an additional driver to score a cheaper quote.

But truth is: inaccurate info leads to rejected claims.

That R50 you save on premiums now won’t help when your R100,000 claim gets rejected. Be real, be protected.

7. Invest in Vehicle Security

Want to show your insurer you’re serious about keeping your car safe? Add:

• Vehicle tracking devices

• Immobilisers

• Secure parking (like behind locked gates or in garages)

The lower your theft and damage risk, the lower your premium.

8. Only Claim When You Truly Need To

Every claim affects your risk profile.

For example: if your excess is R6,200 and your damage is R8,000, you’re only claiming R1,800 from the insurer. But the impact on your future premium could be long-term.

✅ Choose wisely. Sometimes it's cheaper to pay out-of-pocket.

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Best Entry-Level Cars for First-Time Drivers in SA (2025)

Here are some of the most insurance-friendly cars in Mzansi — with actual iWYZE premiums for new drivers for males and females:

Vehicle Description	Jane’s Insurance Premium*	John’s Insurance Premium*
Toyota – COROLLA CROSS 1.8 XI [9/2021]	R2,172.36 p/m	R2,666.60 p/m
Suzuki - SWIFT 1.2 GA [2/2014]	R1,556.87 p/m	R1,752.96 p/m
Volkswagen – VIVO 1.0 TSI GT (5DR) [12/2017]	R2,432.93 p/m	R2,999.04 p/m
Hyundai GRAND i10 1.2 FLUID [10/2020]	R2,034.69 p/m	R2,633.52 p/m
Chery TIGGO 4 PRO 1.5 LIT [9/2023]	R1,811.22 p/m	R2,177.65 p/m
Haval JOLION 1.5T CITY[4/2021]	R1,818.19 p/m	R2,137.58 p/m
Kia SONET 1.5 LX [6/2024]	R2,283.51 p/m	R2,935.47 p/m