AAMI and NRMA are two of Australia's most popular car insurers. They're relatively similar in price according to our research and cover but one may more suited to you than the other depending on where you live.
As part of our 2024 Finder car insurance awards, we collected over 1,800 comprehensive quotes from 30 car insurance providers, using a range of driver profiles across different states, ages and genders.
On average, AAMI typically offers cheaper car insurance than NRMA on average. However, it's important to keep in mind that price may not be the only factor in your search for the best car insurance.
Provider
NSW
QLD
SA
TAS
VIC
WA
Aus average
AAMI
$1,884
$1,106
$1,015
$985
$1,318
$1,002
$1,218
NRMA
$2,027
$1,154
$1,038
$1,004
N/A
$1,034
$1,252
These quotes are formed based on a fictional driver profile and your own quote will differ based on your personal circumstances. This should be used as a guide only.
NRMA and AAMI both have pretty negative reviews online. While it's worth taking this into consideration, keep in mind that they are both very popular insurers so it's likely that they will have more complaints than smaller brands.
Easy to use app, low premiums, easy to understand policies.
AAMI car insurance customer, WA
Good value for money and friendly, helpful customer service.
AAMI car insurance customer, SA
AAMI is a customer friendly fairly cheap insurance option.
AAMI car insurance customer, QLD
Long time customer, never lets me down.
NRMA car insurance customer, NSW
Easy to deal with. Prompt and efficient service.
NRMA car insurance customer, QLD
Great value.
NRMA car insurance customer, ACT
NRMA and AAMI complaints information
Using data from the Australian Financial Complaints Authority (AFCA), we can see how many motor insurance complaints the underwriters from AAMI (AAI) and NRMA (Insurance Australia Limited) have received and resolved.
Underwriter
Complaints recieved
Complaints resolved at registration & referral
Referral resolution rate
AAI
2231
1370
61.43%
Insurance Australia Limited
1413
760
53.82%
Finder's verdict
AAMI and NRMA are typically quite similar in price but if you live in NSW, NRMA might be more expensive. Our research found a $140 difference in premiums between the two insurers. In terms of what you get for your money, they're pretty similar. NRMA has a good customer service record and a bunch of actual branches scattered across NSW.
Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
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