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Compare car insurance Australia – December 2023

Compare 30+ comprehensive and third party car insurance policies from a range of providers.

Budget Direct

Budget Direct logo image
  • Get a 15%* online discount
  • 24/7 Claims
  • Lifetime guarantee on repairs
  • Save by restricting younger drivers
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*First year's premium for a new policy. T&Cs apply.

Car insurance comparison

1 - 7 of 34
Name Product Roadside Assistance Accidental damage Agreed or market value Finder Rating
Budget Direct Comprehensive
Agreed or Market
Finder's summary: The 2023 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: Anyone who wants a good value policy.
Youi Comprehensive
Agreed or Market
Finder's summary: The 2023 winner of our Best Features Car Insurance award. Plus, it's one of the only insurers to automatically include roadside assistance.

Who it might be good for: Those who want good customer service with lots of inclusions.
Australia Post Comprehensive
Agreed or Market
Finder's summary: Covers a little more than other insurers. You don’t need to pay an excess for windscreen repairs and cover applies to anyone who uses your car.

⭐ Current offer: Get $100 off your first year's comprehensive car insurance premium when you buy online. T&Cs apply.

Who it might be good for: Multiple people using one car.
Bingle Comprehensive
Finder's summary: Our data shows it’s the cheapest comprehensive policy. It just covers the basics such as damage to your car, theft and storms – it doesn’t go in for add-ons and extras.

Who it might be good for: Those wanting a low-cost, no-frills policy.
QBE Comprehensive
Green Company
QBE Comprehensive
Agreed or Market
Finder's summary: Our best-rated Car Insurer for Customer Satisfaction in 2021/2022 and Green Insurer for the last 3 years.

⭐ Current offer: Save $75 when you purchase a new comprehensive policy online. T&Cs apply.

Who it might be good for: Those who want a trustworthy insurer and more cover than other brands, such as 3-year new car replacement (e.g. they'll give you money for a new car for up to 3 years if yours is written off).
Kogan Comprehensive
Agreed or Market
Finder's summary: Kogan comes with all the perks that most comprehensive car insurance policies include, but you'll also be entitled to some benefits from its online store. This usually comes in the form of a gift voucher or discount if you buy online.

⭐ Current offer: Get $115 off first year premiums when you purchase Kogan Comprehensive Car Insurance online + $10 monthly credit. T&Cs apply.

Who it might be good for: Kogan shoppers and those after a good range of policy options.
Qantas Comprehensive
Agreed or Market
Finder's summary: You need car insurance so why not get one that lets you earn Qantas Points? It's good value too (it's underwritten by the same insurer as Budget Direct). .

⭐ Current offer: Earn up to 30,000 Qantas Points with every Qantas Car Insurance policy you take out by 7 February. T&Cs apply.

Who it might be good for: People who want more bang for their buck with Qantas Points.

Compare and save on your car insurance

Our car insurance specialists are committed to helping you find the most suitable car insurance policy for your needs.

Why you can trust our research

How do the different types of car insurance compare?

Comprehensive car insurance

Comprehensive car insurance

This is the only level of car insurance that covers damage to your own car as well as other people's vehicles and property. Additionally, you'll be covered if your car is damaged by hail, fire or storm or if it's stolen or vandalised. It can also help pay for key replacements, a hire car if yours is stolen and more.

third party, fire and theft

Third party, fire and theft car insurance

This covers costs if you damage someone else's vehicle or property and can pay to repair or replace your car if it's damaged by fire or stolen. However, it doesn't cover you for damage to your own car due to an accident, storm or flood.

Third party

Third party property car insurance

This only covers you for costs if you damage someone else's vehicle or property. It won't cover repair costs for your car.

Compulsory third party

Compulsory third party

Often called Green Slip insurance, compulsory third party is mandatory for every registered driver in Australia. In many states, it's included in your car registration. It helps cover compensation costs, such as hospital expenses, if you kill or injure someone in a car accident. It won't cover your car or someone else's car.

Real people, real savings

Icon to represent comparison of car insurers
Don't pay the loyalty tax
A Finder survey of 933 drivers found that 55% of people have noticed an increase in their car insurance premium over the last 12 months. Compare car insurance to find a better deal.


Tried and tested: Tips on comparing car insurance

"Look around for insurers who offer sign-up discounts – this can be a great way to save! Often, the sign-up discounts will only be available if you're a new customer but that's typically no problem if you're looking at switching providers. Some offer up to 15% off which can help you save around $100 in some cases."

"If you like the look of a specific policy but it's too expensive for you, check who the underwriter is. Brands with shared underwriters have identical policies but some brands are cheaper than others. This means you can enjoy the same policy at a more affordable price point. You can find a policy's underwriter with a simple Google search or look at the product disclosure statement."

"Good to know – if your windscreen is broken and that's the only thing that's been damaged, it's not always worth making an insurance claim. This is because your excess is usually more than the cost of the repairs. To avoid this, lots of insurers let you upgrade your cover to include no-excess windscreen cover. It'll usually cost you a couple more bucks a month which is substantially cheaper than paying for the repairs yourself."

How to save money on car insurance

Number 1

Consider a pay-as-you-drive policy

If you don't use your car that often, it can be much cheaper to get pay-as-you-drive car insurance. Alternatively, some insurers, including Budget Direct, Youi and Woolworths, reward you with cheaper premiums the less you drive. For example, if you drive less than 5,000km per year, you could save over $300 annually.

Number 2

Take advantage of sign-up offers

Insurers including Budget Direct and Everyday will knock 15% off your car insurance costs in the first year. Don't set and forget though. You can save by doing the same again the following year.

Number 3

Opt for fewer features

If you're after a cheap car insurance policy that covers the essentials, opt for a budget insurer like Bingle. Other insurers cost more because they come with additional benefits such as cover for stolen keys, cover for personal belongings and cover for a hire car if yours is stolen.

Number 4

Increase your excess

You have to pay an excess when you make a claim. Choosing a higher excess when you get a quote will lower your car insurance premiums. However, it can make claiming for smaller events pointless – for example, if you have around $1,000 worth of damage but need to pay a $1,000 excess.

Number 5

Pay annually

Most insurers will charge you at least $200 less if you're able to pay for the full year instead of monthly.

Compare our car insurance award winners

Finder's insurance team gathered 1,100+ car insurance quotes from 37 of Australia's car insurers - that's over 90% of the most popular providers. From there, we compared over 640 features and scored them to find our winners.

Why is my car insurance premium so much more expensive than last year?

"This is one of the most common questions we're hearing from customers at the moment. A lot of people are getting to their renewal date and finding that their premiums have gone up by a couple hundred dollars – which really bites at a challenging time like this. In short, this premium increase is due to a few factors: increased parts and repair costs, increasing crime rates, natural disasters and increased claims processing costs. It's a crucial time to compare your car insurance options to see where you can save." Gary Ross Hunter, car insurance specialist.

Compare car insurance by state

Finder sourced 1,000+ quotes across over 30 different providers to help you compare car insurance in your state. The providers listed in the table below were the top 5 cheapest of the providers researched and reflect the estimated annual cost based on the profile used. Keep in mind, your own cost will vary depending on your personal circumstances and it's always best to compare a range of providers.

Truck crush

Comprehensive car insurance

ProviderAverage priceApply
Bingle logo$848.87Get quote
Koba$863.47More info
Rollin' car insurance$1,102.26More info
Budget direct logo$1,279.73Get quote
Virgin Money$1,304.49More info
Truck crush

Comprehensive car insurance

Koba$720.32More info
Rollin' car insurance$729.82More info
Bingle logo$788.34Get quote
AAMI car insurance$911.60More info
Budget direct logo$921.20Get quote
Virgin Money$953.29More info

Truck crush

Comprehensive car insurance

Bingle logo$1,034.15Get quote
Koba$1,035.74More info
AAMI car insurance$1,053.82More info
Budget direct logo$1,163.76Get quote
GIO$1,259.28More info

Truck crush

Comprehensive car insurance

Bingle logo$638.88Get quote
Rollin' car insurance$794.90More info
AAMI car insurance$810.81More info
Budget direct logo$861.08Get quote
Koba$873.03More info

Truck crush

Comprehensive car insurance

Bingle logo$669.13Get quote
Rollin' car insurance$716.70More info
AAMI car insurance$815.88More info
Budget direct logo$856.75Get quote
Virgin Money$873.89More info

Truck crush

Comprehensive car insurance

Bingle logo$623.32Get quote
Rollin' car insurance$762.04More info
Koba$868.46More info
AAMI car insurance$874.00More info
Budget direct logo$939.98Get quote

We didn't include quotes for NT and ACT because the sample size was too small.

Why you can trust Finder's car insurance experts


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Our team of car insurance experts have researched and rated dozens of policies as part of our Finder Awards and published 330+ guides to make it easier for you to compare.

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Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of car insurance brands, making it easier for you to find a good deal.

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Since 2014, we've helped 300,000+ people find car insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

Frequently asked questions

  1. Finder Awards Car Insurance 2023
  2. Service NSW
  3. NSW Gov
  4. VMIA
  6. Flaticon
  7. $1,152 cost analysis
  8. Finder survey of 1,000 Australians who own 1 or more cars, November 2022
  9. 300,000 statistic based on clicks from Finder to our partners.
  10. Finder: Car Insurance Customer Satisfaction Awards 2023

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