- Get a 15%* online discount
- 24/7 Claims
- Lifetime guarantee on repairs
- Save by restricting younger drivers
Our car insurance specialists are committed to helping you find the most suitable car insurance policy for your needs.
30+ policies to compare
250+ hours of research
5,700 customers surveyed
22 popular car insurers rated
Written by experts
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.
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.
This only covers you for costs if you damage someone else's vehicle or property. It won't cover repair costs for your car.
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.
"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."
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.
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.
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.
Most insurers will charge you at least $200 less if you're able to pay for the full year instead of monthly.
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.
Budget Direct's comprehensive car insurance policy won this year's Finder Award for best value because:
Youi's comprehensive car insurance policy won this year's Finder Award for features because:
We asked over 5,700 Australians across major states to rate their current car insurance provider. Youi car insurance came in first place nationally because it:
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.
We didn't include quotes for NT and ACT because the sample size was too small.
What you need to know about insurance if you’re involved in a car accident that wasn’t your fault.
Yes, you need car insurance to protect you from expensive bills following an accident.
AAMI roadside assistance: Find out what's covered, how much it costs & more.
Allianz vs AAMI – compare policies side by side and see who has what matters to you.
Find out how long you have to file your car insurance claim.
Not sure if you should go with your own repairer or your insurer's favourite? Learn the pros and cons of each here.
Find out what short term car insurance options are available in Australia.
Car insurance cover notes are no longer available in Australia. Read on to learn why and what your alternatives are.
Find affordable and comprehensive car insurance for P-platers with this handy guide.
How much does car insurance cost and what factors affect your premium? Your comprehensive guide here.