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Get a personalised car insurance quote in South Africa in minutes. Compare cover types, see how decreasing premiums work, and choose an excess that suits your budget.
Depending on the cover you choose, you’re protected for accident damage, theft or hijacking, fire and natural events, and liability for accidental damage to other people’s property. Choose the option that fits your car and your budget, with assistance available 24/7.
• We’re the only car insurance provider that decreases your premiums monthly as your car loses value.
• If you’re 45 or older, you can choose a zero basic excess* on your King Price car insurance policy.
• Choose from 5 types of car insurance cover and enjoy flexible excess options that fit your budget.
• Get free emergency road, home, and medical assistance 24/7 anywhere in South Africa with your King Price cover.
• Insure your golf clubs, hearing aids, motorbike gear, or bicycle for just R1 per month when your car or motorbike is comprehensively insured.
• We pay out over R7 million in insurance claims every day. That’s a lot of zeros and a lot of peace of mind.
Because we give you the royal, award-winning service you deserve with more value in every quote.
Here's what some of our clients have to say about our simple cheap insurance products.
Nomfundo M
“Joining King Price Insurance was the best decision I’ve ever made when it comes to choosing car insurance. The service I’ve received over the years has been nothing short of excellent. King Price truly prides itself on delivering outstanding customer satisfaction and consistent support.”
Bernard
“I’ve had the best service experience from Aaron Naidu at King Price Insurance. I was looking to change my car insurance to save costs and sent a request on both WhatsApp and email. Aaron called me this morning and his friendly, professional assistance exceeded all my expectations. Truly great service.”
Choose from a range of simple, affordable King Price car insurance options designed to fit your life and your budget.
Your comprehensive car insurance premium decreases every month as your car loses value. This cover includes accident damage, theft, hijacking, and damage to other people’s property caused by an accident you’re involved in. It’s the most complete King Price car insurance option, giving you total peace of mind every time you drive.
Our agreed value car insurance gives you certainty about your vehicle’s worth. The insured value shown on your policy schedule stays the same for three years, no matter what happens. It’s ideal if you want predictable cover that won’t change with depreciation, backed by the trusted King Price car insurance promise.
Our theft and write-off car insurance protects you against total loss if your car is stolen, hijacked, or written off after an accident. You’ll receive full cover for the vehicle’s value so you’re not left out of pocket. It’s simple, reliable, and part of the flexible King Price car insurance range.
This third party, fire and theft car insurance covers you if your car is stolen or hijacked. It also protects you against damage to someone else’s property caused by an accident. It’s a popular, affordable King Price car insurance option that balances protection and price perfectly for everyday drivers.
Our third party only car insurance is a budget-friendly option that covers accidental damage you cause to other people’s property. It’s perfect for older cars or drivers who want essential protection without the high cost. Enjoy reliable, affordable cover from King Price, South Africa’s favourite car insurance provider.
Our collectable car insurance is designed for classic or high-value cars. It protects you against accident damage, theft, and third party claims, just like our comprehensive option. Plus, it’s a pay-per-kilometre cover, so the less you drive, the less you pay, while keeping your prized car fully insured.
Car insurance frequently asked questions
Find clear answers to the most common car insurance questions in South Africa. Learn how cover works, what affects your premium, and how to save with King Price.
The best car insurance depends on your car, budget, risk profile, location, and the cover you need. Compare benefits like decreasing premiums, excess options, roadside assistance, and claims service. Share your details and we will call you with a tailored car insurance quote that fits your needs.
The right insurer offers the cover you want at a price you can afford, with reliable claims support and add-ons you will use. If you value monthly savings, look for cover that decreases as your car loses value. Tell us a bit about your car and we will call you with options.
Third party only is usually the cheapest because it covers damage you cause to other people’s property and not your own vehicle. Third party, fire and theft is the next step up. Comprehensive costs more but covers the widest range of risks. Choose based on your car’s value and your risk tolerance.
Prices vary by driver, car, area, security, and claims history. The cheapest insurer for one person may not be the cheapest for another. Get a personalised car insurance quote and we will call you back to show you how much you can save.
Premiums are usually lower for drivers with clean claim histories, secure parking, lower annual mileage, and cars with good safety features. Adding tracking or approved security can also cut costs. Ask us for a personalised quote and we will explain your saving options.
Monthly premiums depend on your car’s value, cover type, address, excess, mileage, and risk profile. Comprehensive cover costs more than third party options but gives wider protection. Share your details on our form and we will call you with a price based on your exact profile.
Generally, smaller, lower-value cars with strong safety ratings and affordable parts cost less to insure. Factors like theft risk and repair costs also matter. Tell us what you drive and we will call you with a tailored quote.
South Africa has several established insurers. The right choice depends on cover benefits, price, and service. Focus on features that matter to you, like decreasing premiums, excess flexibility, and 24/7 assistance. Request a call and we will help you compare.
A higher excess usually means a lower premium, and a lower excess usually means a higher premium. Choose an excess you can afford to pay if you have a claim.
Yes, if you added car hire to your policy and paid the monthly premium for it before an incident that results in a valid claim.
Looking for cheap car insurance in South Africa that still protects what matters most. Get a personalised car insurance quote with flexible cover and premiums that decrease monthly.
| Feature | Agreed Value | Comprehensive (decreasing premium) | Collectable car insurance | Theft & Write-Off | Third Party, Fire & Theft | Third Party Only |
|---|---|---|---|---|---|---|
| Insured perils | ||||||
| Accident | ✓ | ✓ | ✓ | ✗ | ✗ | ✗ |
| Theft & hijack | ✓ | ✓ | ✓ | ✓ | ✓ | ✗ |
| Fire, explosion, storm, flood, earthquake | ✓ | ✓ | ✓ | ✗ | ✓ | ✗ |
| Third party liability | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Damage from attempted theft or hijack | ✓ | ✓ | ✓ | ✓ | ✓ | ✗ |
| Included benefits | ||||||
| Roadside, medical & accident assist | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Decreasing premium | ✗ | ✓ | ✗ | ✗ | ✗ | ✗ |
| Windscreen cover | ✓ | ✓ | ✓ | ✗ | ✓ | ✗ |
| 24/7 emergency assistance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Optional add-ons | ||||||
| Car hire | ✓ | ✓ | ✓ | ✓ | ✓ | ✗ |
| Scratch & dent cover | ✓ | ✓ | ✓ | ✗ | ✗ | ✗ |
| R1 insurance for personal items | ✓ | ✓ | ✓ | ✗ | ✗ | ✗ |
| Tracking device required | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
Note: Comprehensive and collectable car insurance offer the widest protection, while third party options keep costs low for essential cover. Choose based on your car’s value, risk profile, and peace-of-mind needs.
Premiums depend on your car’s value, cover type, address, driving history, security, excess and annual kilometres. Add approved tracking or choose a higher excess to reduce your monthly cost. Share your details and we will call you with a price based on your exact profile.
*When your car is comprehensively insured. Premiums are risk profile dependent and reviewed annually
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