Compare Car Insurance From 50+ Providers

  • Compare comprehensive car insurance policies from dozens of providers.
  • Check which policies offers discounts that could save you $ on your premiums.
Car insurance Australia
Car insurance Australia

Car insurance comparison (comprehensive policies)

The table below shows a selection of car insurance providers offering comprehensive policies to Australian drivers, with an overview of selected features and discounts. The table is sorted alphabetically based on the provider name. We are not making a recommendation about any particular product. Be sure to check with the provider for exclusions, limits and sub-limits that may apply.

1st for Women

Key inclusions (subject to claim limits and sub-limits)
  • Hire car after no-fault accident or theft.
  • Emergency transport and accommodation up to $150/day (max $600 total).
New for old replacement
  • Yes, within earlier of 12 months or 20,000km
Pay monthly at no extra cost

No

Discount available

No

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AAMI

Key inclusions (subject to claim limits and sub-limits)
  • Hire car after not-at-fault incidents.
  • Includes accessories & modifications.
New for old replacement
  • Yes, within 2 years
Pay monthly at no extra cost

No

Discount available
  • $50 off when you quote and buy an eligible new policy online.
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AHM

Key inclusions (subject to claim limits and sub-limits)
  • Choose a higher excess and reduce your premiums.
  • Cover for trailers, caravans, personal property, child seats and more.
New for old replacement
  • Yes, within 2 years
Pay monthly at no extra cost

No

Discount available
  • 12 months free roadside assist with an eligible new policy.
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Allianz

Key inclusions (subject to claim limits and sub-limits)
  • Cover for EVs, including battery, charging cables and wall chargers.
  • Cover for anyone you give permission to drive your car (limits & exclusions apply).
New for old replacement
  • Yes, within 2 years
Pay monthly at no extra cost
  • Yes
Discount available

No

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ANZ

Key inclusions (subject to claim limits and sub-limits)
  • Lifetime guarantee on repairs.
  • Excess-free windscreen and window glass protection.
New for old replacement
  • Yes, if your car is less than three years old.
Pay monthly at no extra cost
  • Yes
Discount available

No

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Apia

Key inclusions (subject to claim limits and sub-limits)
  • Lifetime guarantee on authorised repair work .
  • Discount applies if you drive under 20,000km/year.
New for old replacement
  • Yes, if your car is stolen, it’s less than 10 years old and you're the first owner ($40k limit applies)
Pay monthly at no extra cost

No

Discount available
  • 10% off when you quote & buy an eligible policy online
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Australian Seniors

Key inclusions (subject to claim limits and sub-limits)
  • Complimentary hire car for thefts.
  • Personal property cover for selected items in your car.
New for old replacement
  • Yes, within 2 years if car is written off
Pay monthly at no extra cost

No

Discount available
  • 5% off for eligible Seniors Card discount holders.
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Australia Post

Key inclusions (subject to claim limits and sub-limits)
  • Policy extends to others who use your car (not just listed drivers).
  • Hire car cover for 14 days following a not-at-fault accident.
New for old replacement
  • Yes, within 3 years or 60,000km
Pay monthly at no extra cost

No

Discount available
  • Save $100 on your first year's premium when you buy an eligible policy online.
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Bank of Melbourne

Key inclusions (subject to claim limits and sub-limits)
  • Choose your own repairer at no extra cost.
  • Up to $1,000 emergency accommodation and travelling expenses covered (conditions apply).
New for old replacement
  • Yes, within 2 years
Pay monthly at no extra cost
  • Yes
Discount available
  • Save up to 10% in the first year when you quote and buy a new eligible policy online.
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BankSA

Key inclusions (subject to claim limits and sub-limits)
  • Choose your own repairer at no extra cost.
  • Up to $1,000 emergency accommodation and travelling expenses covered (conditions apply).
New for old replacement
  • Yes, within 2 years
Pay monthly at no extra cost
  • Yes
Discount available
  • Save up to 10% in the first year when you quote and buy a new eligible policy online.
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Bankwest

Key inclusions (subject to claim limits and sub-limits)
  • Hire car following theft of your car.
  • Emergency repairs covered.
New for old replacement
  • Yes, within 2 years
Pay monthly at no extra cost
  • Yes
Discount available
  • Up to 10% off if you apply online for an eligible policy.
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Bendigo Bank

Key inclusions (subject to claim limits and sub-limits)
  • Lifetime guarantee on authorised repairs.
  • Hire car for up to 21 days after theft.
New for old replacement
  • Yes, if car is less than 3 years old and has done 50,000 km or less.
Pay monthly at no extra cost
  • Yes
Discount available

No

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Beyond Bank

Key inclusions (subject to claim limits and sub-limits)
  • Hire car for up to 30 days if your car is stolen ($100 per day limit).
  • Trailer and caravan cover up to $1,000.
New for old replacement
  • Yes, within 2 years
Pay monthly at no extra cost

No

Discount available
  • Up to 10% off in first year when you quote and buy a new eligible policy online.
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Bingle

Key inclusions (subject to claim limits and sub-limits)
  • Legal liability cover of up to $20m.
  • Cover for storm and hail damage to your car.
New for old replacement

Optional on cars up to 3 years old.

Pay monthly at no extra cost

No

Discount available

No

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Budget Direct

Key inclusions (subject to claim limits and sub-limits)
  • Up to $20m of legal liability cover.
  • Hire car following a no fault accident or theft
New for old replacement
  • Yes, within two years or 40,000km.
Pay monthly at no extra cost

No

Discount available
  • 15% off your first year's premium for a new eligible policy purchased online.
Visit provider

Bupa

Key inclusions (subject to claim limits and sub-limits)
  • Australia-based customer support available 24/7.
  • Legal liability cover up to $20m.
New for old replacement
  • Yes, within 2 years
Pay monthly at no extra cost

No

Discount available
  • 12 months free roadside assistance (subject to eligibility)
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Carpeesh

Key inclusions (subject to claim limits and sub-limits)
  • Choice of agreed or market value.
  • Hire car after an incident (other than theft).
New for old replacement
  • Yes, within 2 years
Pay monthly at no extra cost

No

Discount available

No

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Club 4X4 Insurance

Key inclusions (subject to claim limits and sub-limits)
  • Cover for 4X4s anywhere they’re allowed to go (e.g. beaches, bush tracks).
  • Off-road recovery cover up to $1,500 if you get stuck and you need professional help.
New for old replacement
  • Yes, within 2 years
Pay monthly at no extra cost

No

Discount available
  • Multi-vehicle discount of up to 10% on eligible second & subsequent vehicles insured.
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Coles Insurance

Key inclusions (subject to claim limits and sub-limits)
  • Cover for emergency repairs, towing or accommodation.
  • Car hire if yours is stolen, up to $75/ day for up to 14 days.
New for old replacement
  • Yes, within 2 years
Pay monthly at no extra cost

No

Discount available
  • Save 15% when you buy an eligible policy online.
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Commonwealth Bank

Key inclusions (subject to claim limits and sub-limits)
  • Legal liability for damage to someone else’s property up to $20m.
  • Choice to nominate your own repairer, with a guarantee on authorised repairs.
New for old replacement
  • Yes, within 2 years
Pay monthly at no extra cost
  • Yes
Discount available
  • Save up to 10% when you apply online for an eligible policy.
Visit provider

Everyday Insurance

Key inclusions (subject to claim limits and sub-limits)
  • Drive Less Pay Less option for cars driven up to 15,000km/ year.
  • Accidental damage to your car and to other people's property.
New for old replacement
  • Yes, within 2 years
Pay monthly at no extra cost

No

Discount available
  • Eligible Everyday Insurance customers, get 10% off an in-store Woolworths shop every month.
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GIO

Key inclusions (subject to claim limits and sub-limits)
  • Option to choose your own repairer.
  • $20m legal liability.
New for old replacement
  • Yes, within 2 years
Pay monthly at no extra cost

No

Discount available
  • Save 10% when you buy an eligible policy online.
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Goulburn Murray Credit Union (GMCU)

Key inclusions (subject to claim limits and sub-limits)
  • Choose your own repairer.
  • Rental car for up to 30 days if your car is stolen ($100 per day limit).
New for old replacement
  • Yes, within 2 years
Pay monthly at no extra cost

No

Discount available
  • Up to 10% discount in first year when you quote and buy an eligible policy online.
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HSBC

Key inclusions (subject to claim limits and sub-limits)
  • Rental car for up to 30 days if your car is stolen ($100/ day limit).
  • Safe driver discount for eligible drivers.
New for old replacement
  • Yes, within 2 years
Pay monthly at no extra cost
  • Yes
Discount available
  • Up to 10% discount in first year when you quote and buy an eligible policy online.
Visit provider

Huddle

Key inclusions (subject to claim limits and sub-limits)
  • Cover for loss or damage caused by collision, fire, malicious damage, theft, hail, storm, flood and bushfire.
  • Option to ‘pay as you drive’ which may save you money.
New for old replacement
  • Yes, within 2 years(or 3 years with Huddle Black Comprehensive)
Pay monthly at no extra cost

No

Discount available
  • Potential saving with pay as you drive option.
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Hume Bank

Key inclusions (subject to claim limits and sub-limits)
  • Cost of emergency repairs after a covered accident, up to $500 per incident.
  • Rental car after theft ($100 per day limit, up to 30 days).
New for old replacement
  • Yes, within 2 years
Pay monthly at no extra cost
  • Yes
Discount available
  • Up to 10% discount in first year when you quote and buy an eligible policy online.
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ING

Key inclusions (subject to claim limits and sub-limits)
  • Damage to someone else's car or other property (legal liability) up to $20m.
  • Hire car following theft ($1,000/14 day limit), and following a no fault accident.
New for old replacement
  • Yes, within 2 years or 40,000km
Pay monthly at no extra cost

No

Discount available
  • 15% off your first year's premium for am eligible new policy purchased online.
Visit provider

KOBA

Key inclusions (subject to claim limits and sub-limits)
  • Pay per km model with a cap on premiums.
  • Lifetime guarantee on repairs that we authorise under a claim for as long as you own the car.
New for old replacement
  • Yes, within 2 years or 40,000km
Pay monthly at no extra cost

n/a

Discount available

No

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Kogan Insurance

Key inclusions (subject to claim limits and sub-limits)
  • Emergency accommodation and transport costs if you’re more than 100km from home.
  • Car towing and storage costs covered.
New for old replacement
  • Yes, within 3 years or 60,000km
Pay monthly at no extra cost

No

Discount available
  • $125 off eligible new online Kogan comprehensive car insurance policies.
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NAB

Key inclusions (subject to claim limits and sub-limits)
  • Rental car after theft of your vehicle ($100 per day limit, up to 30 days).
  • Reasonable cost of towing after a covered accident.
New for old replacement
  • Yes, within 2 years
Pay monthly at no extra cost

No

Discount available
  • Up to 10% discount in first year when you quote and buy an eligible policy online.
Visit provider

National Seniors

Key inclusions (subject to claim limits and sub-limits)
  • Safe driver discount for eligible drivers (conditions apply).
  • Cover for personal items in your vehicle, up to $1,000 for any one incident.
New for old replacement
  • Yes, within 2 years
Pay monthly at no extra cost
  • Yes
Discount available
  • Up to 10% discount in first year when you quote and buy an eligible policy online.
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NRMA

Key inclusions (subject to claim limits and sub-limits)
  • Hire car after an accident or theft.
  • Cover for necessary emergency repairs after a covered incident (up to $800).
New for old replacement
  • Yes, within 2 years
Pay monthly at no extra cost

No

Discount available

No

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Oceania Insurance

Key inclusions (subject to claim limits and sub-limits)
  • Legal liability cover of up to $20m.
  • Hire car cover for up to 14 days (max $1,000) following theft.
New for old replacement
  • Yes, within 2 years or 40,000km
Pay monthly at no extra cost

No

Discount available

No

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Over Fifty Insurance

Key inclusions (subject to claim limits and sub-limits)
  • Cost of emergency repairs after a covered accident – up to $500 per incident.
  • Rental car after theft of your vehicle - $100 per day limit, up to 30 days.
New for old replacement
  • Yes, within 2 years
Pay monthly at no extra cost
  • Yes
Discount available
  • Up to 10% discount in first year when you quote and buy an eligible policy online.
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Ozicare

Key inclusions (subject to claim limits and sub-limits)
  • Hire car following a no-fault accident; or following theft (up to $1,000 across days).
  • Legal liability cover of up to $20m.
New for old replacement
  • Yes, up to 1 year or 20,000 km.
Pay monthly at no extra cost

No

Discount available

No

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PD Insurance

Key inclusions (subject to claim limits and sub-limits)
  • Excess free repair of your windscreen chips; replacement cover available separately.
  • Hire car if your car is stolen.
New for old replacement
  • Yes, if car is less than 1 year old.
Pay monthly at no extra cost

No

Discount available

No

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People’s Choice

Key inclusions (subject to claim limits and sub-limits)
  • Covers towing and transport of your vehicle.
  • Cover for your personal items following an insured event.
New for old replacement
  • Yes, up to 3 years or 50,000km.
Pay monthly at no extra cost
  • Yes
Discount available

No

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Qantas Insurance

Key inclusions (subject to claim limits and sub-limits)
  • Hire car following theft up to $1,000 (limit 14 days).
  • Damage to your caravan or trailer in a collision up to $1,000.
New for old replacement
  • Yes, within two years or 40,000km.
Pay monthly at no extra cost

No

Discount available
  • No, but you may earn Qantas points if you buy an eligible policy.
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QBE

Key inclusions (subject to claim limits and sub-limits)
  • Guarantee on repairs authorised by QBE.
  • Hire car when you’re not at fault in a car accident.
New for old replacement
  • Yes, within 3 years or 60,000km
Pay monthly at no extra cost

No

Discount available
  • Save $75 online on an eligible new comprehensive car insurance policy.
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RAA (South Australia only)

Key inclusions (subject to claim limits and sub-limits)
  • RAA membership included.
  • Repair or replacement of your car if it's in an insured incident in Australia, including car crash.
New for old replacement
  • Yes, within 2 years
Pay monthly at no extra cost
  • Yes
Discount available
  • 10% multi-policy discount on each eligible policy when you hold three or more insurance policies with RAA (excluding travel insurance). Seniors Card holders can get a 10% discount.
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RACQ (Queensland only)

Key inclusions (subject to claim limits and sub-limits)
  • Loss or damage to your vehicle in a flood, storm, hail, theft, accident, vandalism, or fire event.
  • Up to $20m cover for damage to other people’s property caused by your car.
New for old replacement
  • Yes, up to two years old
Pay monthly at no extra cost

No

Discount available
  • Save $25 when you buy an eligible policy online.
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RACT (Tasmania only)

Key inclusions (subject to claim limits and sub-limits)
  • $20m liability cover.
  • Hire car after theft, with cover for personal belongings
New for old replacement
  • Yes, up to two years old
Pay monthly at no extra cost

No

Discount available

No

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RACV (Victoria only)

Key inclusions (subject to claim limits and sub-limits)
  • Up to $500 cover for personal items if stolen with your vehicle or damaged in an incident.
  • Hire car after a not-at-fault collision.
New for old replacement
  • Yes, up to two years old
Pay monthly at no extra cost
  • No
Discount available
  • Multi-Policy discount of 10% per policy with two or more eligible RACV policies.
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Real Insurance

Key inclusions (subject to claim limits and sub-limits)
  • Pay as you drive option for eligible drivers.
  • Accommodation costs if a claim occurs more than 200km from home.
New for old replacement
  • Yes, within 2 years
Pay monthly at no extra cost

No

Discount available

No

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Retirease Insurance

Key inclusions (subject to claim limits and sub-limits)
  • Discounts for restricting the policy to older drivers.
  • Lifetime guarantee on authorised repairs.
New for old replacement
  • Yes, within earlier of 1 year or 20,000 km
Pay monthly at no extra cost

No

Discount available

No

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Rollin

Key inclusions (subject to claim limits and sub-limits)
  • Hire car costs or replacement transport covered up to $80 per day for up to 21 days if car is being repaired.
  • No extra cost for adding additional drivers to policy.
New for old replacement
  • Yes, if there is less than 15,000km on the odometer.
Pay monthly at no extra cost

Monthly only

Discount available

No

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Shannons

Key inclusions (subject to claim limits and sub-limits)
  • Authorised repairs are guaranteed for the vehicle's life.
  • One excess free windscreen or window glass replacement or repair claim per period of insurance.
New for old replacement
  • Yes, within 2 years
Pay monthly at no extra cost

No

Discount available

No

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Stella

Key inclusions (subject to claim limits and sub-limits)
  • Up to $30m third party liability cover.
  • Up to $2,000 coverage for prams, strollers and other essential baby items that are damaged or stolen from your car.
New for old replacement
  • Yes within 3 years or 60,000km
Pay monthly at no extra cost

No

Discount available

No

Visit provider

St.George Bank

Key inclusions (subject to claim limits and sub-limits)
  • Choose your own repairer at no extra cost.
  • Up to $1,000 emergency accommodation and travelling expenses covered (conditions apply).
New for old replacement
  • Yes, within 2 years
Pay monthly at no extra cost
  • Yes
Discount available
  • Save up to 10% in the first year when you quote and buy an eligioble new policy online.
Visit provider

Suncorp

Key inclusions (subject to claim limits and sub-limits)
  • Liability for loss or damage your car causes to other people's property up to $20m.
  • Hire car after theft for up to 21 days.
New for old replacement
  • Yes, within 2 years
Pay monthly at no extra cost

No

Discount available
  • $50 off first year’s premium when you quote and buy an eligible policy online.
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TIO (Northern Territory only)

Key inclusions (subject to claim limits and sub-limits)
  • Covers reasonable emergency accommodation and travelling expenses up to $1,000 if inspired incident occurred more than 100km from home.
  • Child seat or baby capsule covered for insured events up to the value of $500 per incident.
New for old replacement
  • Yes, up to two years old
Pay monthly at no extra cost

No

Discount available

No

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Virgin Money

Key inclusions (subject to claim limits and sub-limits)
  • Lifetime guarantee on authorised repairs for as long as you own the car.
  • Reduce costs by customising cover or tailor your comprehensive policy by adding optional extras.
New for old replacement
  • Yes, within 24 months or 40,000km
Pay monthly at no extra cost

No

Discount available
  • 15% off first year’s premium when you purchase an eligible policy online.
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Westpac

Key inclusions (subject to claim limits and sub-limits)
  • Choose your own repairer at no extra cost.
  • Up to $1,000 emergency accommodation and travelling expenses covered (conditions apply).
New for old replacement
  • Yes, within 2 years
Pay monthly at no extra cost
  • Yes
Discount available
  • Save up to 10% in the first year when you quote and buy an eligible new policy online.
Visit provider

Youi

Key inclusions (subject to claim limits and sub-limits)
  • Roadside assistance included as standard (limits and some fees may apply).
  • Up to $1,000 for emergency transport, accommodation and repairs if you’re more than 100km from home and your car is unsafe to drive.
New for old replacement
  • Yes, within 2 years
Pay monthly at no extra cost

No

Discount available

No

Visit provider
Key inclusions (subject to claim limits and sub-limits)New for old replacementPay monthly at no extra costDiscount availableVisit provider

1st for Women

  • Hire car after no-fault accident or theft.
  • Emergency transport and accommodation up to $150/day (max $600 total).
  • Yes, within earlier of 12 months or 20,000km

No

No

AAMI

  • Hire car after not-at-fault incidents.
  • Includes accessories & modifications.
  • Yes, within 2 years

No

  • $50 off when you quote and buy an eligible new policy online.

AHM

  • Choose a higher excess and reduce your premiums.
  • Cover for trailers, caravans, personal property, child seats and more.
  • Yes, within 2 years

No

  • 12 months free roadside assist with an eligible new policy.

Allianz

  • Cover for EVs, including battery, charging cables and wall chargers.
  • Cover for anyone you give permission to drive your car (limits & exclusions apply).
  • Yes, within 2 years
  • Yes

No

ANZ

  • Lifetime guarantee on repairs.
  • Excess-free windscreen and window glass protection.
  • Yes, if your car is less than three years old.
  • Yes

No

Apia

  • Lifetime guarantee on authorised repair work .
  • Discount applies if you drive under 20,000km/year.
  • Yes, if your car is stolen, it’s less than 10 years old and you're the first owner ($40k limit applies)

No

  • 10% off when you quote & buy an eligible policy online

Australian Seniors

  • Complimentary hire car for thefts.
  • Personal property cover for selected items in your car.
  • Yes, within 2 years if car is written off

No

  • 5% off for eligible Seniors Card discount holders.

Australia Post

  • Policy extends to others who use your car (not just listed drivers).
  • Hire car cover for 14 days following a not-at-fault accident.
  • Yes, within 3 years or 60,000km

No

  • Save $100 on your first year's premium when you buy an eligible policy online.

Bank of Melbourne

  • Choose your own repairer at no extra cost.
  • Up to $1,000 emergency accommodation and travelling expenses covered (conditions apply).
  • Yes, within 2 years
  • Yes
  • Save up to 10% in the first year when you quote and buy a new eligible policy online.

BankSA

  • Choose your own repairer at no extra cost.
  • Up to $1,000 emergency accommodation and travelling expenses covered (conditions apply).
  • Yes, within 2 years
  • Yes
  • Save up to 10% in the first year when you quote and buy a new eligible policy online.

Bankwest

  • Hire car following theft of your car.
  • Emergency repairs covered.
  • Yes, within 2 years
  • Yes
  • Up to 10% off if you apply online for an eligible policy.

Bendigo Bank

  • Lifetime guarantee on authorised repairs.
  • Hire car for up to 21 days after theft.
  • Yes, if car is less than 3 years old and has done 50,000 km or less.
  • Yes

No

Beyond Bank

  • Hire car for up to 30 days if your car is stolen ($100 per day limit).
  • Trailer and caravan cover up to $1,000.
  • Yes, within 2 years

No

  • Up to 10% off in first year when you quote and buy a new eligible policy online.

Bingle

  • Legal liability cover of up to $20m.
  • Cover for storm and hail damage to your car.

Optional on cars up to 3 years old.

No

No

Budget Direct

  • Up to $20m of legal liability cover.
  • Hire car following a no fault accident or theft
  • Yes, within two years or 40,000km.

No

  • 15% off your first year's premium for a new eligible policy purchased online.

Bupa

  • Australia-based customer support available 24/7.
  • Legal liability cover up to $20m.
  • Yes, within 2 years

No

  • 12 months free roadside assistance (subject to eligibility)

Carpeesh

  • Choice of agreed or market value.
  • Hire car after an incident (other than theft).
  • Yes, within 2 years

No

No

Club 4X4 Insurance

  • Cover for 4X4s anywhere they’re allowed to go (e.g. beaches, bush tracks).
  • Off-road recovery cover up to $1,500 if you get stuck and you need professional help.
  • Yes, within 2 years

No

  • Multi-vehicle discount of up to 10% on eligible second & subsequent vehicles insured.

Coles Insurance

  • Cover for emergency repairs, towing or accommodation.
  • Car hire if yours is stolen, up to $75/ day for up to 14 days.
  • Yes, within 2 years

No

  • Save 15% when you buy an eligible policy online.

Commonwealth Bank

  • Legal liability for damage to someone else’s property up to $20m.
  • Choice to nominate your own repairer, with a guarantee on authorised repairs.
  • Yes, within 2 years
  • Yes
  • Save up to 10% when you apply online for an eligible policy.

Everyday Insurance

  • Drive Less Pay Less option for cars driven up to 15,000km/ year.
  • Accidental damage to your car and to other people's property.
  • Yes, within 2 years

No

  • Eligible Everyday Insurance customers, get 10% off an in-store Woolworths shop every month.

GIO

  • Option to choose your own repairer.
  • $20m legal liability.
  • Yes, within 2 years

No

  • Save 10% when you buy an eligible policy online.

Goulburn Murray Credit Union (GMCU)

  • Choose your own repairer.
  • Rental car for up to 30 days if your car is stolen ($100 per day limit).
  • Yes, within 2 years

No

  • Up to 10% discount in first year when you quote and buy an eligible policy online.

HSBC

  • Rental car for up to 30 days if your car is stolen ($100/ day limit).
  • Safe driver discount for eligible drivers.
  • Yes, within 2 years
  • Yes
  • Up to 10% discount in first year when you quote and buy an eligible policy online.

Huddle

  • Cover for loss or damage caused by collision, fire, malicious damage, theft, hail, storm, flood and bushfire.
  • Option to ‘pay as you drive’ which may save you money.
  • Yes, within 2 years(or 3 years with Huddle Black Comprehensive)

No

  • Potential saving with pay as you drive option.

Hume Bank

  • Cost of emergency repairs after a covered accident, up to $500 per incident.
  • Rental car after theft ($100 per day limit, up to 30 days).
  • Yes, within 2 years
  • Yes
  • Up to 10% discount in first year when you quote and buy an eligible policy online.

ING

  • Damage to someone else's car or other property (legal liability) up to $20m.
  • Hire car following theft ($1,000/14 day limit), and following a no fault accident.
  • Yes, within 2 years or 40,000km

No

  • 15% off your first year's premium for am eligible new policy purchased online.

KOBA

  • Pay per km model with a cap on premiums.
  • Lifetime guarantee on repairs that we authorise under a claim for as long as you own the car.
  • Yes, within 2 years or 40,000km

n/a

No

Kogan Insurance

  • Emergency accommodation and transport costs if you’re more than 100km from home.
  • Car towing and storage costs covered.
  • Yes, within 3 years or 60,000km

No

  • $125 off eligible new online Kogan comprehensive car insurance policies.

NAB

  • Rental car after theft of your vehicle ($100 per day limit, up to 30 days).
  • Reasonable cost of towing after a covered accident.
  • Yes, within 2 years

No

  • Up to 10% discount in first year when you quote and buy an eligible policy online.

National Seniors

  • Safe driver discount for eligible drivers (conditions apply).
  • Cover for personal items in your vehicle, up to $1,000 for any one incident.
  • Yes, within 2 years
  • Yes
  • Up to 10% discount in first year when you quote and buy an eligible policy online.

NRMA

  • Hire car after an accident or theft.
  • Cover for necessary emergency repairs after a covered incident (up to $800).
  • Yes, within 2 years

No

No

Oceania Insurance

  • Legal liability cover of up to $20m.
  • Hire car cover for up to 14 days (max $1,000) following theft.
  • Yes, within 2 years or 40,000km

No

No

Over Fifty Insurance

  • Cost of emergency repairs after a covered accident – up to $500 per incident.
  • Rental car after theft of your vehicle - $100 per day limit, up to 30 days.
  • Yes, within 2 years
  • Yes
  • Up to 10% discount in first year when you quote and buy an eligible policy online.

Ozicare

  • Hire car following a no-fault accident; or following theft (up to $1,000 across days).
  • Legal liability cover of up to $20m.
  • Yes, up to 1 year or 20,000 km.

No

No

PD Insurance

  • Excess free repair of your windscreen chips; replacement cover available separately.
  • Hire car if your car is stolen.
  • Yes, if car is less than 1 year old.

No

No

People’s Choice

  • Covers towing and transport of your vehicle.
  • Cover for your personal items following an insured event.
  • Yes, up to 3 years or 50,000km.
  • Yes

No

Qantas Insurance

  • Hire car following theft up to $1,000 (limit 14 days).
  • Damage to your caravan or trailer in a collision up to $1,000.
  • Yes, within two years or 40,000km.

No

  • No, but you may earn Qantas points if you buy an eligible policy.

QBE

  • Guarantee on repairs authorised by QBE.
  • Hire car when you’re not at fault in a car accident.
  • Yes, within 3 years or 60,000km

No

  • Save $75 online on an eligible new comprehensive car insurance policy.

RAA (South Australia only)

  • RAA membership included.
  • Repair or replacement of your car if it's in an insured incident in Australia, including car crash.
  • Yes, within 2 years
  • Yes
  • 10% multi-policy discount on each eligible policy when you hold three or more insurance policies with RAA (excluding travel insurance). Seniors Card holders can get a 10% discount.

RACQ (Queensland only)

  • Loss or damage to your vehicle in a flood, storm, hail, theft, accident, vandalism, or fire event.
  • Up to $20m cover for damage to other people’s property caused by your car.
  • Yes, up to two years old

No

  • Save $25 when you buy an eligible policy online.

RACT (Tasmania only)

  • $20m liability cover.
  • Hire car after theft, with cover for personal belongings
  • Yes, up to two years old

No

No

RACV (Victoria only)

  • Up to $500 cover for personal items if stolen with your vehicle or damaged in an incident.
  • Hire car after a not-at-fault collision.
  • Yes, up to two years old
  • No
  • Multi-Policy discount of 10% per policy with two or more eligible RACV policies.

Real Insurance

  • Pay as you drive option for eligible drivers.
  • Accommodation costs if a claim occurs more than 200km from home.
  • Yes, within 2 years

No

No

Retirease Insurance

  • Discounts for restricting the policy to older drivers.
  • Lifetime guarantee on authorised repairs.
  • Yes, within earlier of 1 year or 20,000 km

No

No

Rollin

  • Hire car costs or replacement transport covered up to $80 per day for up to 21 days if car is being repaired.
  • No extra cost for adding additional drivers to policy.
  • Yes, if there is less than 15,000km on the odometer.

Monthly only

No

Shannons

  • Authorised repairs are guaranteed for the vehicle's life.
  • One excess free windscreen or window glass replacement or repair claim per period of insurance.
  • Yes, within 2 years

No

No

Stella

  • Up to $30m third party liability cover.
  • Up to $2,000 coverage for prams, strollers and other essential baby items that are damaged or stolen from your car.
  • Yes within 3 years or 60,000km

No

No

St.George Bank

  • Choose your own repairer at no extra cost.
  • Up to $1,000 emergency accommodation and travelling expenses covered (conditions apply).
  • Yes, within 2 years
  • Yes
  • Save up to 10% in the first year when you quote and buy an eligioble new policy online.

Suncorp

  • Liability for loss or damage your car causes to other people's property up to $20m.
  • Hire car after theft for up to 21 days.
  • Yes, within 2 years

No

  • $50 off first year’s premium when you quote and buy an eligible policy online.

TIO (Northern Territory only)

  • Covers reasonable emergency accommodation and travelling expenses up to $1,000 if inspired incident occurred more than 100km from home.
  • Child seat or baby capsule covered for insured events up to the value of $500 per incident.
  • Yes, up to two years old

No

No

Virgin Money

  • Lifetime guarantee on authorised repairs for as long as you own the car.
  • Reduce costs by customising cover or tailor your comprehensive policy by adding optional extras.
  • Yes, within 24 months or 40,000km

No

  • 15% off first year’s premium when you purchase an eligible policy online.

Westpac

  • Choose your own repairer at no extra cost.
  • Up to $1,000 emergency accommodation and travelling expenses covered (conditions apply).
  • Yes, within 2 years
  • Yes
  • Save up to 10% in the first year when you quote and buy an eligible new policy online.

Youi

  • Roadside assistance included as standard (limits and some fees may apply).
  • Up to $1,000 for emergency transport, accommodation and repairs if you’re more than 100km from home and your car is unsafe to drive.
  • Yes, within 2 years

No

No

Please note this is an overview of what each of these providers shown offers based on a selection of key features advertised. It’s not a full list of what the policies offer or exclude. We recommend getting a personalised quote and checking the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for the policy to understand what is and isn’t covered and what limits, sub-limits, exclusions, terms and conditions apply before deciding if the product is suitable for you. While this is an extensive list of comprehensive car insurance providers in Australia, we cannot guarantee that all providers are shown.

More in our car insurance guide...

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What does car insurance cover?

Depending on the level of cover you choose, your car insurance policy may provide cover for:

  • Accidental damage to your vehicle (caused by you or a third party)
  • Theft, storm damage, fire & flood
  • Towing costs
  • Emergency repairs, transport and accommodation
  • Theft or attempted theft
  • Contents inside your car
  • Your legal liability if your car accidentally causes damage to another person’s property
  • Car accessories & modifications
  • New-for-old replacement of your car (age limits usually apply)
  • Car hire when you’re not at fault (optional)

What types of car insurance are there?

Comprehensive car insurance is the highest level of coverage. It covers the repair or replacement of your car in the event of an accident (regardless of who's at fault) or due to theft, fire, storm or hail damage, or vandalism. It also covers your liability for damage your car has caused to someone else’s vehicle and property.

Having a comprehensive car insurance policy is often a condition of car finance such as car loans or a novated lease.

Third party property car insurance or third party liability insurance covers accidental damage to other people's vehicles or property if you're at fault (but not your car), including your legal liability if you must pay compensation. It only covers damage to your vehicle or property if an insured driver causes it.

Third party fire & theft car insurance is an optional cover to third party property insurance for loss or damage to your vehicle caused by fire or theft. It comes at an additional premium.

CTP is included in your car registration cost and is compulsory for all vehicles registered in Australia. It covers your liability and that of anyone who drives your car if someone is injured or killed in an accident involving your vehicle. It’s typically paid for each time you renew your registration. CTP is known as Green Slip Insurance in New South Wales or Transport Accident Charge in Victoria.

Roadside assistance is an optional policy that provides cover if your vehicle breaks down. For example, if you have a mechanical issue, a flat tyre or just need a jump start. You can call your provider for assistance anytime and they’ll dispatch a roadside contractor to you. You can buy roadside assistance on its own or as an optional cover on a car insurance policy.

Youi is one of the rare insurance providers in Australia offering roadside assistance as a standard inclusion in its comprehensive car insurance policy.

Provides cover for loss or damage to vintage or classic vehicles caused by an accident, flood, fire, storm, theft or malicious act. It also covers your liability for damage to someone else’s vehicle or property. A car is considered vintage if it’s more than 25 years old, according to the Register of Approved Vehicles (RAV).

This type of policy calculates premiums based on the kilometres you actually drive instead of a fixed annual rate. It still gives you the same level of coverage as comprehensive car insurance.

Business car insurance covers accidental damage to your private vehicle (if you use it partially for business), as well as loss or damage caused by weather events, theft or vandalism. Commercial car insurance can cover cars, trucks, utes, vans, forklifts and trailers, etc. If you use your car to make money through ride sharing, you may need to take out a commercial car insurance policy.

Motorcycle insurance is a type of insurance specially designed for people who ride a motorcycle on the road. It provides financial protection for loss or damage to your motorcycle in case of an accident, theft, or other unforeseen event listed on your policy.

How much will my car insurance cost?

Car insurance can cost between $100-$250 per month, based on analysis of a selection of quotes obtained by Money.com.au. However, if you’re deemed high-risk by the insurer, your car insurance costs could be higher than this.

The amount you pay each month or year for your insurance is called a premium. Some insurers offer ways to lower your premium – for example, a discount if you sign up online or pay your premium annually instead of monthly.

But when it comes down to it, much you'll pay for your insurance will depend on factors unique to you and your policy.

Factors that impact car insurance premiums

1

Your level of cover

You’ll typically pay more for comprehensive car insurance than for a basic cover like third party property insurance. Adding drivers to your policy will also increase your premium.

2

Optional extras

Optional benefits like roadside assistance, optional hire car and windscreen protection typically come with an added premium.

3

Your policy excess

Increasing your excess (the out-of-pocket sum you pay when you make a claim) can lower your premium and vice versa. Most insurers allow you to adjust your excess to increase or decrease your premium.

4

Your car’s age, make and model

Car insurance premiums also vary depending on your car's make, model, age and condition. How common the model is can be a factor too as it is generally cheaper to repair popular models (with easily accessible parts).

5

Your car’s value

As a general rule, the more valuable your car is, the more expensive it may be to insure (for example, it will cost the insurer more to replace or repair it).

6

Whether your car is under finance

Some insurers (not all) may ask if your vehicle is under finance. This is because there can be additional administrative work involved if your car is written off with finance owing. In this situation, your insurance company will assess your car's market value and might ask for a letter from your lender to settle the outstanding car loan amount. If you own your car outright, the insurer would either pay you the claim amount or replace it at market value.

7

Your annual mileage

Insurers calculate your risk based on how often you’re on the roads. The more you drive, the more chances you have of being involved in a car accident. According to Youi, insurers may call it a ‘probability factor’. Australian motorists drive an average of 15,000km per year, according to the ABS.

8

What you use the car for

Your car insurance premium is usually cheaper if your car is mainly for private use. If your car is used for business, you'll generally pay more.

9

Your claims history

If you’ve made claims for at-fault accidents in the last few years, you may pay a higher premium. Some policies include a no-claim bonus, which means you pay less if you haven't made a recent at-fault claim.

10

Your age

Young drivers under 25 years old are statistically more likely to have a road accident than experienced drivers, and generally pay a higher car insurance premium for that reason.

11

Where your car is usually parked

If your car is parked in a garage or within the boundary of your property, instead of on the street, your premium will generally be lower.

12

Your location

Your address and postcode will also impact your premium. For example, if you live in a flood zone or densely populated area, your insurance provider may charge you more for cover.

How to find the best car insurance for you

The best car insurance should give you maximum protection for your budget. The policy should also be suitable for your needs based on your situation, where you live (and where your car is parked most of the time) and the type of car your drive.

To put it another way, there is no such thing as a best car insurance policy. There are simply too many variables and ways a policy may or may not be suitable depending on who it's covering. That's not to say you can't take steps to help make sure you're getting a good policy. Here are some general points to get you started.

1. Assess your coverage needs

Do you need cover for accidents, theft, and other unexpected events? A comprehensive cover will cover you for a wider range of mishaps than other types of car insurance, including accidental damage, acts of nature, theft and vandalism.

If you own an older car with a lower market value, opting for a basic level of coverage might be enough to meet your needs, according to the government's Moneysmart website.

In the end, it will come down to how much your car is worth and how much it would hurt to go without it if it’s written off in an at-fault accident or stolen.

2. Does the policy cover you for your vehicle’s agreed or market value?

Market value or agreed value is the amount your car is insured for.

  • Agreed value: a pre-agreed amount chosen by you and the insurer (this often results in a higher premium). If your car is under finance, you could consider insuring it for an agreed value that's at least equal to the remaining balance on your loan. This ensures that the insurance payout can help settle your outstanding debt in the event of a total loss.
  • Market value: your car’s selling price at the time of the incident. This reduces your premium, but gives you less certainty about the value of your payout if you make a claim.

3. Compare car insurance

Compare prices for car insurance policies based on your vehicle model and preferred cover level from multiple insurers. Pay close attention to policy benefits and exclusions across different levels of cover, as well as discounts available. For example, many insurers offer discounts when you buy a policy online or when you pay your premium annually.

What’s the cheapest car insurance option?

A basic level of cover like third party property insurance is generally going to be cheaper than a comprehensive policy. See below the $75.86 (per month) difference between these options for a 2019 Mitsubishi ASX.

This cost comparison is based on quotes obtained from Allianz for a 30-year old female driver with no previous claims and no driver under 25 on the policy.

Car insurance quote Allianz
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The cheapest cover may not always be the best option as it could leave you underinsured. The level of cover matters a lot too.

For example, a basic liability cover could save you money upfront but leave you thousands of dollars out of pocket if your car is damaged in an accident where you're at fault. On the other hand, comprehensive insurance would cost you more upfront, but would cover you in any event. Remember, you may be able to increase your car insurance excess to reduce your premium.

What does car insurance not cover?

Each level of car insurance will have different exclusions, depending on whether you have comprehensive car insurance, third party property cover, or a third party fire and theft policy. However, some common exclusions that apply to all coverage levels, include:

  • Damage that existed before taking out your policy.
  • Mechanical, electrical breakdown or failure.
  • Intentional damage caused by you or by someone acting with your consent.
  • Unregistered vehicles and unroadworthy vehicles.
  • Unauthorised repairs or modifications.
  • Damage caused by hiring out your car.
  • Damage caused by using the wrong fuel or lubricant.
  • Loss or damage caused by failing to take reasonable precautions.
  • Loss or damage caused by a driver under the influence of alcohol or any other illegal substance.
  • Loss or damage caused by a driver with a suspended or cancelled driver's licence.

Refer to the insurer’s PDS for the full list of exclusions and limitations of your policy.

FAQs about car insurance

You can lodge a car insurance claim online via your insurer’s website or mobile application, or over the phone. You’ll be asked to provide information to support your claim, including (but not limited to):

  • Your policy number
  • Details of the incident, including the date, time and location
  • The name, address, vehicle registration number, and insurance details of any driver(s) involved
  • The contact details of anyone who witnessed the accident, theft or damage
  • Photos of the damage (if applicable)
  • A copy of the police report (if applicable).

Some insurers may have a time limit by which you must submit a claim, usually between 3-12 months from the incident date.

Here are some typical discounts available from car insurance providers in Australia:

  • No claims discount: Also known as a safe driver reward, this discount on your comprehensive car insurance premium increases each year you don't make an at-fault claim (usually up to a maximum of five years). Most, but not all insurers offer this discount.

  • Pay in full discount: You may get a discount when you pay your car insurance premium annually in full instead of monthly. This is a standard discount offered by most insurers.

  • Multi-policy discount: Some insurance providers offer a discount when you combine multiple eligible insurance policies. For example, Suncorp Insurance offers a 15% multi-policy discount when you buy three or more eligible personal insurance policies.

  • Online discount: You may be able to claim a discount when you buy a car insurance policy online directly via the insurer’s website.

  • Family discount: If you're under 25 years old and your parents have comprehensive car insurance with the same insurer, you may be eligible for a family discount. For example, GIO offers a 10% family discount.

  • Pay as you drive discount: This is a type of car insurance policy that comes with a cheaper premium when you drive less. Your premium is calculated based on the number of kilometres you drive instead of as a fixed annual rate.

An excess is the out-of-pocket amount you must pay when you make a car insurance claim. Your excess payable is generally outlined in your PDS or Certificate of Insurance. There may be circumstances when you don’t have to pay an excess. For example, if you’re in a no-fault accident and the excess is recouped from the other driver’s insurer, according to NRMA.

When you make a claim, your insurance will generally tell you if an excess is payable and your excess amount. You may have to pay your excess directly to the insurer, or it may be deducted from your claim payout.

Car insurance premiums are calculated based on risk and the level of cover you choose. Known factors that impact your car insurance premiums include:

  • Your age and driving history
  • Your vehicle’s make, model and year of manufacture
  • Your home address and where your car is usually parked
  • Whether your car is used for mainly private or business purposes

Here are some ways you can reduce your car insurance premium:

  • Increase your excess: Most insurers will allow you to increase your excess to reduce your premium. A higher excess means you'll pay more if you make a claim, but your premium will be lower.
  • Review your insurance policy annually: Make sure you still have adequate coverage if your circumstances change, such as if you have a new home address or want to add a teen driver to your policy. Remove any optional extras you don’t need. Compare your premium prices to other insurers to make sure you’re still getting a good deal for the same cover.
  • Pay your premium annually instead of monthly: Some insurers offer a discount when you pay your premium annually rather than in monthly instalments.
  • Bundle your insurance policies: You may be able to save money by combining your car insurance with other existing policies under the same insurer.

A nominated driver is the main driver of the vehicle you have specified, or named, on your policy. An additional driver or listed driver refers to someone who regularly uses your vehicle and is listed on your policy. For example, you may list your spouse as an additional driver on your policy.

If a driver is not listed on your policy and gets into an accident with your vehicle, you may not be covered if you need to make a claim.

New for old replacement means your insurer will replace your car with a brand-new equivalent if it’s written off in an accident covered under your policy or stolen. This benefit is only available for vehicles under two years old on most comprehensive car insurance policies.

Yes, many insurers allow you to nominate your preferred repairer if your policy includes a 'choice of repairer' benefit and if your vehicle has been damaged in an insured event like an accident. Alternatively, other insurers may require you to choose a repairer from their network of partners.

Yes, learner drivers behind the wheel of your vehicle are generally automatically covered by your car insurance to drive under your supervision. It’s best to confirm this with your insurer. However, if a learner driver has their own registered vehicle, they will need a separate car insurance policy.

Yes, you can cancel your car insurance at any time by contacting your insurer. If you cancel your car insurance policy within the insurer’s cooling-off period (usually up to 21 days) and haven’t made a claim, you may get a full refund on your premium.

If you cancel your policy after this period, you may still get a refund for the unused portion of your premium, minus any non-refundable government charges. Some insurers may charge an early cancellation fee.

Written by

Megan Birot Money.com.au writer

Senior Finance Writer

Megan Birot

Sean Callery Editor Money.com.au

Editor

Sean Callery

Reviewed by

Shaun McGowan Money.com.au founder

Loans Expert

Shaun McGowan

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