The Finder Car Insurance Awards showcase the best car insurance products across three key categories; value, features and low cost. Our methodology has been curated specifically to help drivers find the best fit for their needs by comparing thousands of prices and hundreds of features.
Best Value Car Insurance: Budget Direct Comprehensive
Budget Direct Comprehensive Car Insurance received a 2026 Finder Award for Best Value Car Insurance. The policy is jam-packed with coverage, features flexible excess options and an online sign-up discount.
Highly commended
ING Comprehensive
ING Car Insurance was a highly commended product, as it includes decent coverage with generous benefit limits and the option to slash 15% off your premium by signing up online.
ING Comprehensive
ING Car Insurance was a highly commended product, as it includes decent coverage with generous benefit limits and the option to slash 15% off your premium by signing up online.
Coles Comprehensive
Coles Comprehensive Car Insurance received a Highly Commended Award for its generous 15% online discount and unique coverage benefits, including grocery replacement.
Coles Comprehensive
Coles Comprehensive Car Insurance received a Highly Commended Award for its generous 15% online discount and unique coverage benefits, including grocery replacement.
Qantas Comprehensive
With comparable coverage to major insurers but at a competitive price, Qantas Comprehensive Car Insurance was a highly commended product for the Value category.
Qantas Comprehensive
With comparable coverage to major insurers but at a competitive price, Qantas Comprehensive Car Insurance was a highly commended product for the Value category.
Bingle Comprehensive
Bingle remains one of the cheapest car insurers in our database, earning its Comprehensive policy a Highly Commended Award for Value.
Bingle Comprehensive
Bingle remains one of the cheapest car insurers in our database, earning its Comprehensive policy a Highly Commended Award for Value.
Ozicare Comprehensive
Ozicare Comprehensive Car Insurance was a highly commended product.
Ozicare Comprehensive
Ozicare Comprehensive Car Insurance was a highly commended product.
Best Features Car Insurance: Youi Comprehensive
Youi Comprehensive Car Insurance was awarded the 2026 Finder Award for Best Features Car Insurance. The policy automatically includes roadside assistance and offers competitive cover limits.
Highly commended
Budget Direct Comprehensive
Budget Direct was Highly Commended for its feature-packed Comprehensive policy, providing handy benefits like a lifetime repair guarantee, flexible excess options and a 15% online sign-up discount.
Budget Direct Comprehensive
Budget Direct was Highly Commended for its feature-packed Comprehensive policy, providing handy benefits like a lifetime repair guarantee, flexible excess options and a 15% online sign-up discount.
ING Comprehensive
ING Car Insurance earned high praise for offering solid coverage, generous benefit limits and the ability to save 15% on your premium when you sign up online.
ING Comprehensive
ING Car Insurance earned high praise for offering solid coverage, generous benefit limits and the ability to save 15% on your premium when you sign up online.
Coles Comprehensive
Coles Comprehensive Car Insurance offers an impressive combination of benefits and unique cover features like grocery replacement, making it a solid option for Aussie drivers.
Coles Comprehensive
Coles Comprehensive Car Insurance offers an impressive combination of benefits and unique cover features like grocery replacement, making it a solid option for Aussie drivers.
Qantas Comprehensive
Qantas Comprehensive Car Insurance impressed our judges with major-insurer-level coverage at a competitive price, making it a highly commended product for features.
Qantas Comprehensive
Qantas Comprehensive Car Insurance impressed our judges with major-insurer-level coverage at a competitive price, making it a highly commended product for features.
Ozicare Comprehensive
Ozicare Comprehensive Car Insurance earned high commendation for its customer-friendly payment options and cheaper than average premiums.
Ozicare Comprehensive
Ozicare Comprehensive Car Insurance earned high commendation for its customer-friendly payment options and cheaper than average premiums.
Best Low Cost Car Insurance: Budget Direct Comprehensive
Budget Direct remains one of the best-value car insurers on the market, with its Comprehensive policy offering top-tier cover at an affordable price point.
Highly commended
Bingle Comprehensive
Bingle won the Highly Commended Low Cost award for offering affordable, no-frills car insurance. It regularly ranks as the cheapest option in Finder's research, making it ideal for drivers who need to keep to a budget.
Bingle Comprehensive
Bingle won the Highly Commended Low Cost award for offering affordable, no-frills car insurance. It regularly ranks as the cheapest option in Finder's research, making it ideal for drivers who need to keep to a budget.
ING Comprehensive
With impressive and affordable cover limits across a range of features, ING Comprehensive Car Insurance was a clear winner for a Highly Commended Finder Award.
ING Comprehensive
With impressive and affordable cover limits across a range of features, ING Comprehensive Car Insurance was a clear winner for a Highly Commended Finder Award.
Coles Comprehensive
Coles Comprehensive Car Insurance earned high commendation for delivering excellent value, combining features like hire car cover and flexible excess choices with an affordable premium.
Coles Comprehensive
Coles Comprehensive Car Insurance earned high commendation for delivering excellent value, combining features like hire car cover and flexible excess choices with an affordable premium.
Qantas Comprehensive
Qantas Comprehensive Car Insurance earned a Highly Commended Award for 2026 thanks to the policy's competitive level of coverage and generous sign-up benefits for customers who switch.
Qantas Comprehensive
Qantas Comprehensive Car Insurance earned a Highly Commended Award for 2026 thanks to the policy's competitive level of coverage and generous sign-up benefits for customers who switch.
Hume Bank Comprehensive
Hume Bank received a Highly Commended Low Cost Award for its Comprehensive policy. It was well priced in comparison to other insurers while going above and beyond in terms of features.
Hume Bank Comprehensive
Hume Bank received a Highly Commended Low Cost Award for its Comprehensive policy. It was well priced in comparison to other insurers while going above and beyond in terms of features.
Ozicare Comprehensive
Ozicare Comprehensive Car Insurance was a top performing product within the Low Cost category. Its premiums were around $200 cheaper than average.
Ozicare Comprehensive
Ozicare Comprehensive Car Insurance was a top performing product within the Low Cost category. Its premiums were around $200 cheaper than average.
About Finder's Car Insurance Awards methodology
Finder's Car Insurance Awards recognises market-leading comprehensive car insurance products, using our proprietary ratings methodology. We compare products from 41 brands.
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To be eligible for the awards, providers must provide quotes across a number of personas across Australia for comprehensive car insurance products. Quotes were collected for male and female drivers, for ages 20, 30 and 60 years, living in New South Wales, Victoria, Queensland, South Australia, Tasmania and Western Australia. The quotes across each of these personas were averaged to determine the average price per provider. The car used in each quote was a 2020 Toyota Corolla Ascent 4 Door Sedan. For every insurer, we selected an excess between $700 and $900.
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Feature Score - Core Protection Damage to other car 14% Damage to your car 13% Accidental damage 12% Legal liability 9% At fault accident 7% Feature Score - Environmental and Weather cover Flood cover 5% Hail cover 4% Storm cover 4% Fire and theft 4% Feature Score - Policy Flexibility Agreed/market value 3% Lifetime guarantee 3% Choice of repairer 3% Windscreen excess cover 3% Feature Score - Convenience & Extras New car replacement 2% Towing cover 2% Emergency repairs 2% Key replacement 2% Emergency accommodation 2% Child seat cover 2% Cooling off period 2% Roadside assistance 2% -
State Gender Age of driver NSW Female 20 NSW Female 30 NSW Female 60 NSW Male 20 NSW Male 30 NSA Male 60 QLD Female 20 QLD Female 30 QLD Female 60 QLD Male 20 QLD Male 30 QLD Male 60 SA Female 20 SA Female 30 SA Female 60 SA Male 20 SA Male 30 SA Male 60 TAS Female 20 TAS Female 30 TAS Female 60 TAS Male 20 TAS Male 30 TAS Male 60 VIC Female 20 VIC Female 30 VIC Female 60 VIC Male 20 VIC Male 30 VIC Male 60 WA Female 20 WA Female 30 WA Female 60 WA Male 20 WA Male 30 WA Male 60
Why you can trust our awards


All the Finder Awards
Check out the best of the best, judged by experts.
Explore our past award winners
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Best Features Car Insurance
- Winner: Coles Comprehensive Insurance
- Highly Commended: ALDI Comprehensive
- Highly Commended: Budget Direct Comprehensive
Best Low Cost Car Insurance
- Winner: Bingle Comprehensive
- Highly Commended: ALDI Comprehensive
- Highly Commended: ROLLiN'" Comprehensive
Best Value Car Insurance
- Winner: ALDI Comprehensive
- Highly Commended: Bank of Queensland Comprehensive
- Highly Commended: Coles Comprehensive Insurance
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Category: Value
- Winner: Budget Direct Comprehensive Car Insurance
- Highly commended: Hume Bank Comprehensive Car Insurance
- Highly commended: Virgin Money Comprehensive Car Insurance
Category: Features
- Winner: Hume Bank Comprehensive Car Insurance
- Highly commended: St George Comprehensive Car Insurance
- Highly commended: Budget Direct Comprehensive Car Insurance
Category: Low Cost
- Winner: Bingle Comprehensive Car Insurance
- Highly commended: ROLLIN' Comprehensive Car Insurance
- Highly commended: Hume Bank Comprehensive Car Insurance
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Category: Features- Winner: Youi comprehensive car insurance
- Highly commended: Hume Bank comprehensive car insurance
- Highly commended: Qantas comprehensive car insurance
Category: Value
- Winner: Budget Direct comprehensive car insurance
- Highly commended: Youi comprehensive car insurance
- Highly commended: Hume Bank comprehensive car insurance
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Category: Features- Winner: NRMA comprehensive car insurance
- Highly commended: Budget Direct comprehensive car insurance
- Highly commended: GIO comprehensive car insurance
Category: Value
- Winner: Budget Direct comprehensive car insurance
- Highly commended: Virgin Money comprehensive car insurance
- Highly commended: Ozicare comprehensive car insurance
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Category: Best car insurance brand- Winner: Budget Direct comprehensive car insurance
Category: Features (NSW)
- Winner: Budget Direct comprehensive car insurance
- Highly commended: Allianz comprehensive car insurance
- Highly commended: Hume Bank comprehensive car insurance
Category: Features (VIC)
- Winner: Budget Direct comprehensive car insurance
- Highly commended: Hume Bank comprehensive car insurance
- Highly commended: GIO comprehensive car insurance
Category: Features (WA)
- Winner: Budget Direct comprehensive car insurance
- Highly commended: Hume Bank comprehensive car insurance
- Highly commended: 1300 comprehensive car insurance
Category: Features (QLD)
- Winner: NRMA comprehensive car insurance
- Highly commended: Budget Direct comprehensive car insurance
- Highly commended: Suncorp comprehensive car insurance
Category: Features (SA)
- Winner: Hume Bank comprehensive car insurance
- Highly commended: Budget Direct comprehensive car insurance
- Highly commended: 1300 comprehensive car insurance
Category: Features (TAS)
- Winner: NRMA comprehensive car insurance
- Highly commended: Budget Direct comprehensive car insurance
- Highly commended: Hume Bank comprehensive car insurance
Category: Value (NSW)
- Winner: AAMI comprehensive car insurance
- Highly commended: Budget Direct comprehensive car insurance
- Highly commended: Progressive comprehensive car insurance
Category: Value (QLD)
- Winner: Budget Direct comprehensive car insurance
- Highly commended: Virgin Money comprehensive car insurance
- Highly commended: NRMA comprehensive car insurance
Category: Value (SA)
- Winner: Budget Direct comprehensive car insurance
- Highly commended: AAMI comprehensive car insurance
- Highly commended: Virgin Money comprehensive car insurance
Category: Value (TAS)
- Winner: Budget Direct comprehensive car insurance
- Highly commended: Virgin Money comprehensive car insurance
- Highly commended: NRMA comprehensive car insurance
Category: Value (VIC)
- Winner: Budget Direct comprehensive car insurance
- Highly commended: AAMI comprehensive car insurance
- Highly commended: Virgin Money comprehensive car insurance
Category: Value (WA)
- Winner: Budget Direct comprehensive car insurance
- Highly commended: Virgin Money comprehensive car insurance
- Highly commended: Ozicare
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Category: Comprehensive- Winner: Hume Bank comprehensive car insurance
- Finalist: AI comprehensive car insurance
- Finalist: Allianz comprehensive car insurance
- Finalist: Budget Direct comprehensive car insurance
- Finalist: Suncorp comprehensive car insurance
- Finalist: Westpac comprehensive car insurance
Category: Value
- Winner: 1300 comprehensive car insurance
- Highly commended: Hume Bank comprehensive car insurance
- Finalist: AAMI comprehensive car insurance
- Finalist: Budget Direct comprehensive car insurance
- Finalist: St. George comprehensive car insurance
- Finalist: Westpac comprehensive car insurance
Sources
Ceyda Erem is Finder’s senior writer for insurance and has almost 10 years of experience writing about personal finance. Formerly a copywriter for several business and finance clients, Ceyda has written hundreds of articles, guides, blogs and more to ensure Australians stay in the loop about how to best manage their money. She has a Bachelor of Arts, Majoring in Writing from Macquarie University. See full bio
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