Compare car insurance quotes and save.

Looking for a cheaper policy? Australia, we've got your back.

Compare car insurance quotes and save.

Looking for a cheaper policy? Australia, we've got your back.

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

Compare car insurance side-by-side and get quotes


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
Tip: If you want to compare policies side-by-side and look at more features, simply click the 'Compare' tickbox that's just underneath the logos!
Name Product New Car Replacement Pay monthly at no extra cost Choice of repairer Roadside Assistance Hire car after theft Personal effects
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
$0
Save 24% on your policy if you've been claim free for 3 years.
Yes - If your car is written off in the first 2 years
Yes
No
Optional
Yes - Up to $70 per day (Max 14 days)
$500
Transforms your driving so it's 100% carbon neutral.
Yes - If your car is written off or stolen in the first 2 years
No
Yes
Yes
Yes - Reasonable costs (Max 14 days)
$750
Emergency roadside assistance included in Comprehensive policies.
Yes - If your car is written off in the first 2 years
No
No
Optional
Yes - Up to $70 per day (Max 14 days)
$500
Save up to 10% when you buy online.
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)
$250
Buy online and save 15%.
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)
$500
Save 15% when purchasing online. Plus receive up to 20,000 Velocity Points when purchasing a new eligible policy by 1 April 2019. Min 6 months policy and T&CS apply.
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)
$500
Save up to 20% on car insurance when you purchase cover online.

Compare up to 4 providers

How does other car insurance compare?

How switching car insurance could save you hundreds

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.

Company
Monthly Cost
Get a quote
Budget Direct
$77
Go to Budget Direct's website
Bingle
$88
Go to Bingle's website
NRMA
$141
Allianz
$137
QBE
QBE
$234

What types of car insurance are available to you?

Comprehensive car insurance

Comprehensive car insurance is that best mate that helps you out when you're in trouble. It's the only policy type that offers real, proper cover for your car.

It covers theft, vandalism, storms, flood, hail, fire, key replacement, hire cars, accidental damage (to name a few) - plus everything that's covered by cheaper policies.

Third party property cover

Car-insuranceDon't need a whole lot of cover? Well, then third party property cover (TPPD) might be the policy for you.

TPPD provides coverage for any damage caused to someone else's vehicle or property by you. So if you smash into a Mercedes, you won't be paying the repair costs from your own pocket. However, it won't cover damages to your own vehicle.

Third party fire and theft coverage

Third party fire and theft is the next level up, from third party cover. Fire and theft cover protects you if your car causes damage to someone else's property, as well as if your car is stolen or damaged by fire.

Unfortunately, just like TPPD this policy won't cover your car if it's in an accident, as it only covers the third party's vehicle.

Compulsory third party 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.

How does car insurance compare to each other?

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

Find car insurance tailored to you

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What you need to know if you're under 25 and want car insurance.
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Get cover for the whole family with multi-policy discounts.
old man fishing
Find out more about how your age affects car insurance.

How much does car insurance cost?

How much does car insurance cost across Australia?

State Average 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 popular 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 car 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 car insurance 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.

Looking to insure something with more or less wheels?

boat sunset
Protect yourself while you're on the water with boat cover.

Is it time to switch insurers?

Thinking about switching car insurers?

There are several instances when you need to hunt out a new policy. If your circumstances have changed, chances are your premiums have changed too (and those buggers normally only go one way ... up). The most important times to be on the lookout for a new policy include:

  • 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 is as easy as one, two, three, save!

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 can be done in four easy steps:

Here's how to do it.

Step 1: Compare car insurance options

It's never been easier to compare car insurance options. Comparison services like finder can help you compare car insurance policies side by side, so you can make sure you're not just getting the best price but the best value in regards to coverage.

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

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 from 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. Be aware that if you are cancelling mid-policy, there will be cancellation fees.

Step 4: Save

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

6 things you didn’t know your car insurance covered

Take a look

6 things you didn’t know your car insurance covered

Take a look

Compare car insurance

  • 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.

Still not sure? Your questions about car insurance answered

Purchasing, renewing or cancelling your policy

What you will and won't be covered for

Want to explore some more?


Get the latest car insurance news

*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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Ask an Expert

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50 Responses

  1. Default Gravatar
    SuzanneAugust 23, 2018

    Hi,

    My Partner has just recently got his full licence. When he was on a provisional licence he had a temporary suspension due to racking up points from a minor speeding ticket (10km over the limit) and being caught on his phone while driving, because he was provisional he had limited points and got suspended for 3 months. Now he has a full licence, the ban was 6 months or more ago – is he able to get insurance now as a full licence driver with a minor record?

    Thanks.

    • finder Customer Care
      JoshuaAugust 28, 2018Staff

      Hi Suzanne,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      Yes, your partner can still obtain an insurance policy even if he has a minor record. However, your partner might be considered as a high-risk driver. Depending on the insurer, there are different categories being used to determine the level of risk for each driver.

      Your category will affect your premiums, and your category is generally determined by a combination of risk factors, which can both raise and lower your premiums by different amounts. It can be a good idea to get a solid understanding of the factors affecting car insurance premiums, so you can easily pick out ways to reduce your costs.

      You may want to read our guide entitled High-risk car insurance to learn more.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

  2. Default Gravatar
    JaneJune 7, 2018

    How do i get this app to work? Stupid I know but i want quotes for comprehensive insurance for my Toyota Aurion.

    • Default Gravatar
      JoelJune 7, 2018

      Hi Jane,

      Thanks for leaving a question on finder.

      finder does not have a native mobile or computer app. You can browse and see comparison directly from your browser by going to finder.com.au. If you are looking for comprehensive insurance, please go HERE to compare and read our guide.

      Cheers,
      Joel

  3. Default Gravatar
    May 31, 2018

    I have an automatic Honda Jazz, with the 1.3 litre engine, 8 years old. Cheapest quote for comprehensive insurance?

    • finder Customer Care
      JhezelynMay 31, 2018Staff

      Hello Sydntooli,

      Thank you for your comment.

      Comprehensive car insurance provides the highest level of protection for your vehicle. I am unable to predict which insurer gives the cheapest quotes because there are many factors affecting the cost of your car insurance. You may want to read our guide and tips about comprehensive car insurance. There are direct insurers in our panel that you may contact and check the quotes from. They can provide you quotes according to the status of your car and other factors.

      Regards,
      Jhezelyn

  4. Default Gravatar
    lucyFebruary 7, 2018

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

    • finder Customer Care
      JonathanFebruary 26, 2018Staff

      Hi Lucy, thanks for your inquiry.

      Please compare rideshare insurance options on this page.

      Best,

      Jonathan

  5. 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

    • Default Gravatar
      DanielleOctober 19, 2017

      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

  6. 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

  7. 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?

    • finder Customer Care
      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

  8. 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

    • finder Customer Care
      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

  9. Default Gravatar
    TjOctober 23, 2015

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

    • finder Customer Care
      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

  10. Default Gravatar
    TerriOctober 19, 2015

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

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