Compare car insurance quotes and save.

Looking for a cheaper policy? We've got your back.

Whether you're looking to switch insurers or find cover for that brand new ride of yours, we make it easy for you to shave cash off your car insurance policy.

We get it - comparing car insurance quotes is super time consuming and a pretty boring thing to be doing. We know you'd rather be doing something fun. That's why we're here to help you find the right type of policy for you.

Unlike other comparison sites, we're not owned by any banks or insurance companies. This means you get an unbiased comparison every time. Best of all, it doesn't cost a thing.

Compare car insurance policies side-by-side

Bingle Car Insurance Offer

Bingle car insurance

Featuring Bingle Car Insurance

Low-cost car insurance aimed at safe drivers.

  • 41% of people pay $1.60 or less a day
  • Up to 24% off for safe drivers
  • Optional new-for-old car replacement
  • Hire car option if you can’t drive your vehicle
Promoted


Name Product Name Agreed or Market Value New Car Replacement Pay Monthly At No Extra Cost Choice Of Repairer Roadside Assistance Hire Car After Theft
Market
Optional - If your car is written off in the first 3 years
No
No
No
Optional - Up to $50 a day until your claim is settled
Save 24% on your policy if you've been claim free for 3 years.
Agreed
Yes - If your car is written off in the first 2 years or is under 40,000 km
No
Yes
Optional
Yes - Up to $1,000 (Max 14 days)
Buy online and save 15%.
Agreed
Yes - If your car is written off in the first 2 years
Yes
No
Optional
Yes - Up to $70 per day (Max 14 days)
Buy online and save up to 10%. Price-beat guarantee for drivers aged over 25.
Agreed
Yes - If your car is written off or stolen in the first 2 years
No
Yes
Yes
Yes - Reasonable costs (Max 14 days)
Emergency roadside assistance included in Comprehensive policies.
Agreed
Yes - If your car is written off in the first 2 years
Yes
No
Optional
Yes - Up to $70 per day (Max 14 days)
Save up to 10% when you buy online.
Agreed
Yes - If your car is written off in the first 2 years or is under 40,000 km
No
Yes
Optional
Yes - Up to $1,000 (Max 14 days)
Save 15% when purchasing online. Eligible customers can earn 5,000 Velocity Frequent Flyer Points when purchasing a new policy by 31 Dec 2018. Excludes NT. T&CS apply.
Agreed
Yes - If your car is written off in the first 2 years
Yes
No
No
Yes - Up to $70 per day (Max 14 days)
Transforms your driving so it's 100% carbon neutral.
Agreed
Yes - If your car is written off in the first 2 years
Yes
Yes
No
Yes - Up to $100 per day (Max 30 days)
Buy online and save up to 10% on your policy.
Agreed
Yes - If your car is written off in the first year or is under 20,000 km
No
No
Optional
Optional - Up to $60 per day (Max 14 days)
Save up to 20% on car insurance when you purchase cover online.

Compare up to 4 providers

Types of car insurance

Comprehensive car insurance.

Comprehensive car insurance is that best mate that helps you out when you're in trouble. If you want top cover, this is the option for you. It's the only policy type that offers real, proper, actual cover for your car. So if you love and care for your baby, this is probably what you want to opt for. It covers theft, vandalism, storms, flood, hail, fire, key replacement, emergency accommodation, hire cars, accidental damage (to name a few) - plus everything that's covered by cheaper policies.

Best for: Those who want peace of mind, knowing that they have the highest cover available.

Third party property cover.

The most basic policy. This provides coverage for any damages you may cause to someone else's vehicle or property. This means that if you smash into a Mercedes, you won't be paying the repair costs from your own pocket. However, it won't cover the expense of repairing damages your vehicle incurs as a result.

Best for: Cheaper cars and those on a budget.

Third party fire and theft coverage.

This gives you that little bit extra cover against life's uncertainties. As the name suggests, this cover type ensures you are protected if your car is stolen, as well as covering you for fire damage. You're also covered if your car causes damage to someone else's property. But this type of policy won't really cover you if you're in an accident with another vehicle.

Best for: Those who need a bit more cover without the pricetag.

Compulsory third party insurance (CTP).

Commonly known as greenslip insurance, CTP is mandatory for every registered driver in Australia, and is included in your car rego in many states. If you crash into another driver and they have to go to the hospital for injuries, CTP will cover their hospital expenses. It won't cover your car or someone else's car.

Best for: Everyone - it's mandatory!

What does comprehensive cover protect me against?

Hitting a car

Vandalism

Hitting a pole

Hail damage

Floods

Hit and runs

Hitting an animal

How do other cover types compare?

Feature
Comprehensive
Third Party Fire and Theft
Third Party Property Only
Damage to other people's property
  • Yes
  • Yes
  • Yes
Hitting a car
  • Yes
  • Maybe
  • Maybe
Hitting a pole
  • Yes
  • No
  • No
Hail
  • Yes
  • No
  • No
Hit and runs
  • Yes
  • No
  • No
Hitting an animal
  • Yes
  • No
  • No
Windscreen repair
  • Optional
  • No
  • No
Storm or flood
  • Yes
  • No
  • No
Fire
  • Yes
  • Yes
  • No
Theft
  • Yes
  • Yes
  • No
Emergency accommodation, transport and repairs
  • Yes
  • Yes
  • No
Towing costs
  • Yes
  • Yes
  • No
Hire car
  • Yes
  • Yes
  • No
Replacement of keys
  • Yes
  • No
  • No
Contents inside the car
  • Yes
  • No
  • No
New car replacement
  • Yes
  • No
  • No

Everything you need to know about car insurance (in under 3 minutes)

How much does car insurance cost?

Average insurance cost by state

StateAverage Monthly Cost
Victoria$161.86
Queensland$113.68
South Australia$118.39
Western Australia$107.25
New South Wales$160.54
Tasmania$127.51
Average$132.34

Insurance costs by car make and model

Find car insurance rates for car makes and models. Your car’s model and manufacture year is the #1 factor that determines your insurance costs. Just click on the car models you’re interested in below to get started.

7 hacks to cut your premiums

  1. Take advantage of discounts. Look around to see if you can get a loyalty discount or a deal for new customers. Some insurance providers will also provide you with a discount of up to 15% for taking out your policy online.
  2. Pay a higher excess. An excess is the amount you pay when you want to make a claim. If you increase this amount, your insurance company perceives you as less likely to make a claim. This helps bring down the cost of your overall premium.
  3. Restrict certain drivers. Most policies will give you a cheaper premium if you restrict certain drivers from taking your wheels for a spin. Consider restricting drivers like under 25s, seniors, learners, or P-Platers.
  4. Know how your vehicle make and model will affect your premiums. If you haven't purchased a car yet, compare insurance prices for a variety of car models. You might be surprised about how much the car you drive can affect how much car insurance costs you.
  5. Bundle your policies together. If you've already got home insurance, consider sticking with the same provider for your auto insurance. When you group multiple policies together you can benefit from a multi-policy discount which can take a significant chunk out of your car insurance premium.
  6. Keep a clean driving record. Obviously no one goes out of their way to get a fine. But if your driving record and the history of the claims you've lodged are used to determine how much of a risk you pose to the insurance company. The higher the risk level, the more you'll have to pay. Conversely, if you have a good driving record and haven't lodged many claims or none at all, there's a good chance you'll get a better deal on your premiums.
  7. Compare, compare, compare. It pays to do your research. Get multiple quotes from different insurers to compare prices. Don't be fooled by policies that are ridiculously cheap - this can sometimes compromise your cover. Don't be afraid to switch providers in order to get the best deal.

Is it time to switch insurers?

There are many reasons why you might want to ditch your current insurer; your circumstances might have changed, you might be getting charged a bucketload, or maybe you're just fed up with their customer service. We get it. If you're unhappy with them, there's no reason why you can't switch to another company.

There are a few times where you should actively consider switching your policy. If your circumstances have changed, chances are, your premiums could change too. Consider finding a new insurer when:

  • Your policy comes up for renewal
  • You change cars
  • You move into another home
  • The amount of drivers using your car changes
  • You've just celebrated a birthday (especially your 25th birthday)
  • Your driving record has changed

Switching can save you a hell of a lot of dough

If cost is one of your main priorities, switching car insurers could be one of the best ways to save on cash. Here's an example of how much price differs between insurers.

ProviderMonthly Premium*
Budget Direct$76.51Get quote
Bingle$87.97Get quote
NRMA$140.70
Allianz$137.00
QBE$233.97

Why switching isn't that hard

So you've just figured out that you're being charged a motser for your car insurance. You're probably thinking about switching - and if you're not, maybe you should be.

There's a common misconception that switching car insurance is a huge hassle. In reality, it isn't actually as hard as you think it is.

Here's how to do it.

Step 1: Find a new car insurance policy

Before you abandon ship, it's a good idea to have another ship you can climb aboard. Compare car insurance policies side by side. Be sure to consider not just price, but also what features you need in a policy and how much cover you want - especially if you're opting for a comprehensive policy.

Step 2: Take out the new policy before you cancel your old one

When do you want to switch? Some people prefer to do it so they can benefit from discounts from their new company, others like to switch at the end of their payment period. If you're switching companies mid-policy, take note of cancellation fees. These will usually be about $30-$40, but it's important to double check. Ensure you've had a good read of your new Product Disclosure Statement (it's just some light reading). Before you cancel your old policy, make sure you've accepted your new policy and have the letter of confirmation from the insurer. This will prevent you being without cover while you switch over.

Step 3: Cancel your old policy.

Inform your old insurer in writing that you are cancelling your policy. Ensure that you get written confirmation that the policy has been cancelled. Aim for your new policy to start taking effect on the same day your old policy is cancelled.

Step 4: Profit!

Enjoy the benefits that come with switching to a better policy for you. Go out and buy yourself something nice.

Compare these car insurers

  • Bingle Car Insurance: Save 24% on your policy if you've been claim free for 3 years. If you're unable to drive, get a rental car until your claim is settled.
  • Budget Direct Car Insurance: Save 15% when you buy online. Access to Hail Hero so your car doesn't get stuck in a storm.
  • Woolworths Car Insurance: Save 10% when you buy online. Price beat option for drivers aged over 25.
  • Virgin Car Insurance: Save 15% when you buy online. Further discount if you have an approved security system.

Search for car insurance by state

Still not sure? Your questions about car insurance answered

Finding the right cover

Policy information

Purchasing, renewing or cancelling your policy

What you will/won't be covered for


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*Disclaimer: The offers compared on this page are chosen from a range of products finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best', 'Top', 'Cheap' including variations, are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

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44 Responses

  1. Default Gravatar
    lucyFebruary 7, 2018

    Please advise an insurance company that provides car insurance for uber seats

    • Staff
      JonathanFebruary 26, 2018Staff

      Hi Lucy, thanks for your inquiry.

      Please compare rideshare insurance options on this page.

      Best,

      Jonathan

  2. Default Gravatar
    KarenOctober 16, 2017

    Hi! I chauffeur for a WA company & use their vehicles. I have signed a contract stating that in an event of an accident, I will have to pay $1000.00 excess. I was told that I can reduce the excess if I take out an insurance cover?

    Could you suggest which company(ies) that would be able to assist me, please?

    Thank you

    • Staff
      DanielleOctober 19, 2017Staff

      Hi Karen,

      Thank for your enquiry.

      Whilst we cannot recommend or suggest a specific insurer for you, since your preference and requirements may vary, however, you may check out this page for a comparison and guide to car insurance excess.

      Please compare your options from the selection of various insurers and options then click the green ‘Get Quote’ button to request for a quote from your preferred insurer.

      I hope this helps.

      Cheers,
      Danielle

  3. Default Gravatar
    nicJune 7, 2017

    I forgot to renew my insurance and now my car has been stolen 3 weeks after my due date. Is there a grace period or something to help the situation or am I simply not covered?

    • Default Gravatar
      JonathanJune 7, 2017

      Hi Nic!

      Thanks for the comment.

      Some insurers may have a cooling off period on their policies and if you take it, they may be able to refund all your premiums but it still means you are not covered.

      You can contact your insurer about their policy on this matter.

      Hope this helps.

      Cheers,
      Jonathan

  4. Default Gravatar
    HannaApril 11, 2016

    I am not able to find any insurer that will insure me because of my claims history- 2 in 2013 and 1 this year. I was suggested to check findaninsurer but have tried 5-6 providers with no luck. Can you suggest any insurance providers that accept customers with previous claims?

    • Staff
      RichardApril 11, 2016Staff

      Hi Hanna,

      Thanks for your question. finder.com.au is a comparison service and we are not permitted to provide our users with personalised financial advice or make product recommendations. I am unaware of any car insurers that specifically offer cover for people with claims history.

      All the best,
      Richard

  5. Default Gravatar
    sarahMarch 23, 2016

    Hi there
    I have lost my policy documents for my car insurance and need to find out whom I am insured with, is there a database that I can use to find out which insurance company I a insured with (talking comprehensive not 3rd party)
    Thanks
    Sarah

    • Staff
      RichardMarch 23, 2016Staff

      Hi Sarah,

      Thanks for your question. I’m not aware of anyone that offers this service. You may wish to review your bank statements to look for direct debits paid to the insurer or check if you have any emails in regards to your policy.

      I hope this was helpful,
      Richard

  6. Default Gravatar
    TjOctober 23, 2015

    What charges are added if you criminal conviction is not car related?

    • Staff
      RichardOctober 23, 2015Staff

      Hi TJ,

      Thanks for your question. A criminal conviction may affect the cost of your insurance. There are no hard and fast rules about how much you’ll be charged, as it can depend on the insurer and the conviction.

      I hope this was helpful,
      Richard

  7. Default Gravatar
    TerriOctober 19, 2015

    Thanks Richard. After a few failures I found one that allows 5 accidents!

  8. Default Gravatar
    TerriOctober 18, 2015

    I’ve had 3 accidents in the last 3 years, and only drive occasionally as my wife does almost all of it. Having trouble getting cover for me. any ideas?

    • Staff
      RichardOctober 19, 2015Staff

      Hi Terri,

      Thanks for your question. finder.com.au is a comparison service and we are not permitted to provide our users with personalised financial advice. Your wife may be able to get cover with you listed as an occasional driver. However, whether you’ll be able to get cover will depend on the acceptance criteria the insurer you choose.

      I hope this was helpful,
      Richard

  9. Default Gravatar
    RoSeptember 2, 2015

    best insurance for 2 cars and motorcycle?

    • Staff
      RichardSeptember 3, 2015Staff

      Hi Ro,

      Thanks for your question. finder.com.au is a comparison service and we are not permitted to provide product recommendations. Looking for car insurance companies that offer bundled or multi-policy discounts is always a good start.

      I hope this was helpful,
      Richard

  10. Default Gravatar
    brookeAugust 28, 2015

    What insurance companies insure a previous drink driver?

    • Staff
      RichardAugust 28, 2015Staff

      Hi Brooke,

      Thanks for your question. Most car insurance companies cover people with previous drink driving convictions. However, if you have a conviction on your record, you can expect to pay more for car insurance than someone without a record for drink driving.

      I hope this was helpful,
      Richard

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