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Product FCI Finder Score Roadside Assistance Accidental damage Agreed or Market Value
Youi Comprehensive
Finder Award
Youi Comprehensive
Finder Score
Agreed or Market
Summary: One of the only insurers to automatically include roadside assistance. It also won 12 out of the 22 categories in Finder's 2024 customer satisfaction awards.

Winner of 12 out of the 22 categories in Finder's 2024 customer satisfaction awards. Yes, that many.
Budget Direct Comprehensive
Finder Award
Budget Direct Comprehensive
Finder Score
Optional
Agreed or Market
Summary: The 2024 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.
Qantas Comprehensive
Qantas Comprehensive
Finder Score
Optional
Agreed or Market
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 40,000 Qantas Points with every car insured by 29 January. Plus save 15% on your 1st year’s premium when you purchase online. T&Cs apply.

Who it might be good for: People who want more bang for their buck with Qantas Points.
Youi Comprehensive
Finder Award
Youi Comprehensive
Finder Score
Agreed or Market
Summary: One of the only insurers to automatically include roadside assistance. It also won 12 out of the 22 categories in Finder's 2024 customer satisfaction awards.

Winner of 12 out of the 22 categories in Finder's 2024 customer satisfaction awards. Yes, that many.
ALDI Comprehensive
ALDI Comprehensive
Finder Score
Agreed
Summary: ALDI's comprehensive insurance policy covers your car for an agreed value and a variety of policy benefits.

Who it might be good for: Ideal for those seeking competitive coverage limits, though other products may have higher limits.
Huddle Black Comprehensive
Huddle Black Comprehensive
Finder Score
Agreed or Market
Summary: This goes further than most insurers. You get up to 2k for stolen keys, roadside assistance and rental car excess cover (for car rentals in Australia).

Who it might be good for: Those who want top cover for their car.
QBE Comprehensive
Green Company
QBE Comprehensive
Finder Score
Agreed or Market
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).
Australia Post Comprehensive
Australia Post Comprehensive
Finder Score
Agreed or Market
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 $75 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.
ROLLiN' Comprehensive
ROLLiN' Comprehensive
Finder Score
Agreed
Summary: One of the most cost-effective insurers for under 25s, according to Finder research, with no aged-based excess.

Who it might be good for: Young drivers looking to keep costs down and anyone who’d like to get more flexibility from their car insurance.
Kogan Comprehensive
Kogan Comprehensive
Finder Score
Agreed or Market
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 $80 off first year premiums when you purchase Kogan Comprehensive Car Insurance online + $10 monthly kogan.com credit. T&Cs apply.

Who it might be good for: Kogan shoppers and those after a good range of policy options.
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What is car insurance?

There are 4 levels of car insurance. Compulsory third party (CTP), third party fire & theft, third party property damage and comprehensive car insurance. You can compare a range of car insurance providers in Australia using the table below.

Your car insurance coverage will vary based on the level of cover you've purchased and who the provider is. Comprehensive car insurance is the highest level of cover and may cover you for things such as damage to your own vehicle, storm damage and theft. Third party policies may cover you for damage to someone else's vehicle but not your own. You can use the table below to understand the different levels of cover and what may be included in each.

What to expect from your policy

The table below outlines the differences between the 4 types of car insurance you can get in Australia and the inclusions available for each.

Car insurance benefits
CTP/Green Slip
Third party property damage
Third party fire and theft
Comprehensive
Damage to your own vehicleNoNoNoYes
Damage to someone else's vehicle (third party property)NoYes (for example, up to $20 million)Yes (for example, up to $20 million)Yes (for example, up to $20 million)
Weather events (storm, flood, hail)NoNoNoYes
TheftNoNoYesYes
Hire car after theftNoSometimes optionalSometimes optionalYes (for example, $70 per day for 14 days)
FireNoNoYesYes
Personal effectsNoNoNoYes (for example, up to $1,000)
Emergency transport/accommodationNoNoNoYes (for example, $100 per day, $900 in total)
TowingNoSometimes optionalSometimes optionalYes
Key replacementNoNoNoYes (for example, up to $1,000)
Death benefitNoYesYesYes
Legal liability for injuries or death to other peopleYesNoNoNo

Optional extras

Optional extras
CTP/Green Slip
Third party property damage
Third party fire and theft
Comprehensive
Reduced or no windscreen excessNoNoNoYes
Roadside assistanceNoSometimes optionalSometimes optionalYes
Choice of repairerNoNoNoYes
Hire car after accidentNoNoNoYes

How do the different types of car insurance compare?

Comprehensive car insurance

Comprehensive

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

This level of car insurance 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 damage

This level of car insurance 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 (CTP)

Often called Green Slip insurance, compulsory third party car insurance 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.

Why compare car insurance?

In a cost of living crisis, it pays to compare car insurance to make sure you're not paying more than you need to. Prices can differ a lot – in fact, here's a real-life example of 2 comprehensive car insurance policies that share similar features, yet are priced $245 apart.

Policy APolicy B
Excess$850$800/$850
Market or agreed valueMarket value (insurer decides payout figure on date of claim)Market value (insurer decides payout figure on date of claim)
Hire car after theftYes – up to $75/day (max 14 days)Yes – up to $75/day (max 14 days)
New car replacementYes – if written off in first 2 yearsYes – if written off in first 2 years
Personal effects$500$500
Roadside assistanceOptional extra (not included in this premium)Optional extra (not included in this premium)
Average annual cost$1,216$971.72 ($244.28 less)

Real people, real savings

What you'll need to get a quote

1. Personal details

Car insurance companies will need to know your name, address, age and gender. This is because where you live, how old you are and whether you're male or female determines how at risk of an accident you are. High crime areas, young drivers and males are all typically charged higher premiums due to their risk profile.

2. Driver history

This includes things like if and when you've had to make a claim before and for what reason, how many demerit points you've got and how long you've held insurance for (if at all). Again, this determines your risk profile. For example, a driver with multiple speeding tickets or a history of at-fault accident claims may be seen as riskier to insure.

3. Car details

This will include the make, model, colour, exisiting damages and modifications. Additionally, insurers will want to know if the car is used for private or business use, the estimated kilometres you'll travel annually and if you've got a car loan. All of this will help insurers determine the value of the car.

4. Insurance details

You'll need to know level of coverage you want, what excess you're willing to pay and if you want to add on any optional extras. This lets the insurer accurately estimate the cost of your premium.

Tried and tested: Tips to get a better deal

Tim Bennett's headshot

"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."

Insurance expert
Peta Taylor's headshot

"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."

Publisher of Insurance
Gary Ross Hunter's headshot

"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."

Editor, Insurance

How much are Aussies spending on car insurance?

Every month, we ask hundreds of Australians what they're paying for car insurance. To show you how age impacts the cost of your monthly premium, we've broken these numbers down by generation. Here's what their bill looked like in September 2024.
  • Baby boomers: $100
  • Gen X: $117
  • Gen Y: $169
  • Gen Z: $161
Price based on 700+ responses about their monthly premium in September 2024.

Compare our award winners

To help you find the best car insurance, Finder's insurance team gathered 1,800+ car insurance quotes from 30 of Australia's car insurers - that's over 90% of the most popular providers. From there, we compared over 814 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 1,800+ 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
Hume Bank Logo$899.86More info
St. George$929.28More info
Westpac$929.28More info
Bingle logo$934.75More info
Picture not described$1,079.01More info
Truck crush

Comprehensive car insurance

ProviderPriceApply
Rollin' car insurance$842.81Get quote
Bingle logo$871.90More info
PD Logo$933.57More info
Budget direct logo$940.92Get quote
Virgin Money$1,013.17More info

Truck crush

Comprehensive car insurance

ProviderPriceApply
Bingle logo$1,155.57More info
Budget direct logo$1,180.17Get quote
Rollin' car insurance$1,247.56Get quote
Virgin Money$1,254.01More info
Hume Bank Logo$1,280.42More info

Truck crush

Comprehensive car insurance

ProviderPriceApply
Rollin' car insurance$709.46Get quote
Bingle logo$726.41More info
Hume Bank Logo$782.57More info
PD Logo$825.31More info
Budget direct logo$828.74Get quote

Truck crush

Comprehensive car insurance

ProviderPriceApply
Rollin' car insurance$673.72Get quote
Bingle logo$760.75More info
Hume Bank Logo$830.92More info
St. George$871.32More info
Westpac$871.32More info

Truck crush

Comprehensive car insurance

ProviderPriceApply
Rollin' car insurance$690.30Get quote
Bingle logo$724.08More info
Hume Bank Logo$921.65More info
Picture not described$947.66More info
Budget direct logo$977.59Get 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

helpCut through the jargon - whether you've just got a new car, or new renewel reminder. We put hours into this guide so you can tick insurance off your list today.
freeLook under the hood - car insurance may all look the same, but there's often little perks in some of the optional add ons, think roadside assist, and hire cars if yours is bust. We've dug out the details for you.
independentNo BS - You won't get any annoying calls, because we don't have a call centre. We're not owned by an insurer and we aim to add real human experience to all our research.

The lowdown on Finder Score

Just like cars come in different colours, models and sizes, car insurance products are all super different. Finder Score makes it a bit easier to compare Car Insurance by giving you a simple number between 1 and 10 to start your search.

Remember that Finder Score is just one factor to consider. Look at other aspects like fees, features, benefits and risks to make sure a product is suitable for you. Double-check details that matter to you before applying or buying.

To get to our final score, we look at over 100 products and give each of them a score between 1-10 based on 20 features, including price.

To get the price, we collect annual quotes from 8 personas across 6 states (NSW, VIC, QLD, TAS, WA,SA). To be eligible for a Finder Score, providers have to be able to give us these quotes online. The personas we collect quotes for are:

    The Finder Score methodology is designed by our insights team and reviewed by our editorial team. We review the products objectively. Commercial partnerships do not affect the score.

    Remember that Finder Score is just one factor to consider. Look at other aspects like fees, features, benefits and risks to make sure a product is suitable for you. Double-check details that matter to you before applying or buying.

    Frequently asked questions

    Jason Loewenthal's headshot
    To make sure you get accurate and helpful information, this guide has been edited by Jason Loewenthal as part of our fact-checking process.
    Gary Ross Hunter's headshot
    Editor, Insurance

    Gary Ross Hunter was 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). See full bio

    Gary Ross's expertise
    Gary Ross has written 681 Finder guides across topics including:
    • Health, home, life, car, pet and travel insurance
    • Managing the cost of living

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