Car · 5 min read
Cheapest car insurance for first-time drivers in 2026
Under-25s pay 40–60% more than the market average. Three strategies that actually work.
Updated 04 Apr 2026
Insurers treat under-25 drivers as a high-risk class — premiums for a first-time driver of a 2018 VW Polo Vivo average R1,860 per month in Gauteng.
Adding a parent as the regular driver, opting for a third-party-only policy, or accepting a higher voluntary excess can cut that to under R900.
Telematics-based products like Discovery Vitality Drive and King Price's app-based scoring reward safer driving with monthly cash-back of up to R250.
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