Find out how much it costs to insure a Toyota Hilux in South Africa, what affects premiums, which models are cheapest to cover, and how to lower your monthly cost.
The Toyota Hilux is a legend on South African roads. Whether it’s a farm workhorse, a family runaround, or a double-cab that doubles as your weekend getaway car, the Hilux has built its reputation on strength and reliability. But what does that mean when it comes to insurance? Let’s break it down.
We all know South Africans LOVE the Toyota Hilux, but why?
The Hilux has topped SA’s sales charts for years. It’s built locally, made to last, and has one of the strongest resale values of any car in the country. It’s trusted by farmers, families, and fleets alike, and it’s earned its reputation as the bakkie you can hand down through generations.
Is the Toyota Hilux expensive to insure in 2025?
Hilux premiums do sit a little higher than average, but for good reason. It’s a high-value vehicle that’s hugely popular, which makes it attractive to car buyers and to car thieves. Add in its role as a lifestyle and workhorse vehicle, and insurers factor in that it’s often used more heavily than a small hatchback.
On the upside, Toyota has a strong dealer network across SA. That means parts are easier to source and repairs are often quicker than with imported brands. So while your monthly premium might be more than most cars, you’re insuring a car that holds its value and is known for long-term reliability.
What factors influence Toyota Hilux insurance premiums?
A few of the big ones:
- Safety features: Newer Hilux models come with airbags, stability control and advanced braking tech, which all help reduce risk.
- Theft risk: The Hilux is regularly on South Africa’s most stolen car lists. Most insurers require a tracking device (sometimes even two).
- Repair costs: Bigger vehicles with more tech usually cost more to fix. Toyota’s wide service network does help keep costs manageable.
- How you use it: A Hilux that mostly does school runs will likely cost less to insure than one working hard on construction sites or farms.
Which Hilux models are cheapest to insure?
- Workhorse (single cab): The simplest option. Fewer luxury extras, keep premiums on the lower end.
- Raider (double cab): The “all-rounder”. Popular for families, balancing features and value.
- Legend / GR-Sport: Packed with extras and performance upgrades, which push premiums up, but you’re insuring a top-tier lifestyle bakkie.
How can I lower my Toyota Hilux insurance premium?
- Fit a tracking device (many insurers require it).
- Park in a garage or secure, access-controlled area.
- Choose a higher excess if you can afford it, which usually lowers your monthly cost.
- Once your car loan is paid off, review extras like credit shortfall cover.
Toyota Hilux insurance with Naked: what makes it different?
At Naked, we’ve built our cover to adapt to your needs. On the app you can:
- Get a quote in 90 seconds.
- Adjust your excess instantly.
- Pause accident cover when your Hilux is parked for long stretches.
- Claim in minutes, 24/7, straight on the app.
FAQs about insuring a Toyota Hilux in South Africa
Why are Hilux premiums higher than average?
Because it’s a high-value vehicle and one of the most stolen cars in SA. Insurers build that risk into your premium. The good news? Toyota’s service network helps keep repair costs under control.
Which Hilux model is cheapest to insure?
The single-cab Workhorse is usually the cheapest to cover. The Raider sits in the middle, while the high-spec Legend and GR-Sport versions cost more because of their higher replacement values and extras.
Is the Hilux really the most stolen car in SA?
Tracker and SAPS regularly list the Hilux at or near the top of stolen vehicle reports. That’s why it’s almost always recommended or required to have a tracking device.
How does Hilux insurance compare to a Ford Ranger?
Premiums for the Hilux and Ranger are fairly similar. The Hilux sometimes costs slightly more to insure because it appears more often on theft lists, but resale value and reliability keep it competitive.
Ready to see how much your Hilux will cost to insure?
Every Hilux (and every driver) is different, which means your premium will be too. The quickest way to find out? Get a personalised car insurance quote in 90 seconds on the Naked app or website.
👉 Tap, quote, and see how much you could save — it’s that simple.