Location hub · 9 provinces
Insurance by province in South Africa
Premiums in South Africa are priced suburb by suburb. Hijacking precincts, hail belts, coastal storms and commute distance all move the number on your schedule. Pick your province and cover type to see what drives pricing where you live — then compare providers side by side.
Browse by province
Gauteng
Highest claim frequency in SA — premiums in Joburg and Pretoria run 12–18% above the national average.
Western Cape
Lower theft risk, higher weather and flood claims. Cape Town drivers see some of the most competitive pricing in the country.
KwaZulu-Natal
Coastal weather and storm exposure shape pricing across Durban and the South Coast.
Eastern Cape
Mid-tier pricing — Port Elizabeth and East London benefit from lower urban density.
Free State
Some of the lowest motor premiums in SA, with Bloemfontein near the national floor.
Limpopo
Rural cover dominates; livestock, agri and long-distance commute risk drive rating.
Mpumalanga
Mining and trucking exposure makes commercial cover the largest segment here.
North West
Balanced market with strong rural and small-town pricing.
Northern Cape
Lowest population density — and some of the cheapest premiums in SA.