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Car insurance for P-platers

We've done the research to help you find cheap car insurance for P-platers.

There are 3 main ways you can get cheaper car insurance cover as a P-plater. First, adding yourself as an additional driver to your parents' car (as long as they're still the main driver) can lower costs. If that's not an option, a third party policy could be good if you don't own an expensive car. Otherwise, think about getting cheap comprehensive cover.

Top pick #1 - ROLLiN' car insurance

Rollin' car insurance

What we like about ROLLiN':

  • Cheapest car insurance policy for 20-year-olds, according to 2024 Finder Awards.
  • No age excess: ROLLiN' doesn't charge an additional age-based excess, meaning younger drivers won't be hit with this in the event they need to claim. Other popular policies include age excesses of $600+.
  • The average cost of a policy for a 20-year-old is $1,226, according to Finder research. This was the lowest of 32 providers we compared.
  • Every month, your premium is recalculated and renewed. This means it can increase or decrease from month to month with no indication of what your next bill will look like.
  • ROLLiN' doesn't cover personal effects.
  • The unlisted driver excess is a hefty $3,000.

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Top pick #2 - Budget Direct car insurance

Budget Direct comprehensive car insurance
Best value car insurance 2024

What we like about Bingle:

  • Budget Direct won the Finder Value Award – it gives you more for your money.
  • Our research shows it's the second-cheapest policy for 20-year-olds out of 32 policies.
  • The average cost of a policy for a 20-year-old is $1,339, according to Finder research.
  • It's product disclosure statement (PDS) is split over 2 documents, creating unnecessary admin.
  • ROLLiN' was cheaper for 20-year olds, although your prices won't change for 12 months with Budget DIrect.

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Top pick #3 - Bingle car insurance

Bingle car insurance logo
Best low cost car insurance 2024

What we like about Bingle:

  • Bingle is good if you want entry-level comprehensive cover; it's decent at covering the basics.
  • Bingle offers a comparatively low priced comprehensive policy. Our research shows it offers the third-cheapest policy for 20-year-olds out of 32 policies.
  • The average cost of a policy for a 20-year-old is $1,364, according to Finder research.
  • Bingle only offers to insure your car for its market value. This may not be preferable for those who want to agree on the sum the car is covered for.
  • It covers less than its competitors. For example, other insurers include a new car replacement in their standard comprehensive policies. This is an optional extra with Bingle.

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How we selected our top picks for p-plater car insurance

We used our Finder Car Insurance Awards data to determine our top picks. We filtered our data to look solely at quotes for 20-year-olds. In total, we got 445 quotes from 32 comprehensive car insurance policies.

Keep in mind that what's best for you might not be for someone else. Your prices can differ based on where you live, your gender and the car you drive. Be sure to check the fine print to make sure it's the right policy for you.

Car insurance comparison for P-platers

1 - 10 of 40
Name Product Roadside assistance Accidental damage Storm Choice of repairer Agreed or Market Value
Budget Direct Comprehensive
Agreed or Market
Finder's 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.
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.
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.
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.
ROLLiN' Comprehensive
Finder's 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.
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 28 May. T&Cs apply.

Who it might be good for: People who want more bang for their buck with Qantas Points.
Budget Direct Third Party Property, Fire and Theft
Save 15% on your first year's premium when you purchase a new policy online. T&Cs apply.
Youi Third Party Fire and Theft
Agreed or Market
Up to $20 million legal liability cover and 24/7 claims team.
Qantas Third Party Property, Fire and Theft
Earn Qantas Points when you sign up. T&Cs apply.
Youi Third Party Property Damage
⭐ Current offer: Covered up to $5,000 for accidental damage to your car caused by an uninsured third party.

Who it might be good for: Drivers who want a reliable insurer. It was the 2022 Insurer of the Year for Customer Satisfaction.
Tim Bennett

When I was a p plater, the only insurance I was able to get was NRMA. No one else would cover me. It was actually a real pain in the bum, because the NRMA was charging an extra coupole of hundred dollars a year for the same cover. I was pretty poor at the time, so the only way I could save was to take out third party property rather than comprehensive cover.
— Tim Bennett, insurance expert

How much does car insurance for P-platers cost?

ProviderAverage costApply
Rollin' car insurance


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Budget direct logo

Budget Direct

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Bingle logo


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Hume Bank Logo

Hume Bank

More info
Virgin money

Virgin Money

More info

What cover option is best for P-platers?

Not sure which cover type to go for? Here's the lowdown on each cover type to help you make a decision.

Comprehensive car insurance

Comprehensive Cover: If you want top cover, this is the option for you. It covers theft, vandalism, storms, flood, hail, fire, key replacement, emergency accommodation, hire cars, accidental damage (to name a few), plus everything covered by cheaper policies.

Best for: P-platers who want peace of mind knowing they have the highest cover available.

third party, fire and theft

Third Party Fire and Theft Cover: As the name suggests, this cover type ensures you are protected if your car is stolen. It also covers you for fire damage and if your car causes damage to someone else's property.

Best for: P-platers who need a bit more cover without the pricetag.

Third party

Third Party Property Damage Cover: It's the most basic policy, providing cover for any damage you may cause to someone else's vehicle or property. However, it won't cover the expense of repairing damage your vehicle incurs as a result.

Best for: Those P-platers with cheaper cars or who are on a really strict budget.

Compulsory third party

Compulsory third party (CTP): Commonly known as greenslip insurance, CTP is mandatory for every driver in Australia. In many states, it's included in your car rego so you don't need to worry too much. It offers protection to the driver who is at fault for a motor vehicle accident which led to another person being injured.

Best for: Everyone – it's mandatory!

Expert tips for p-platers looking at their car insurance options

What other factors impact the cost of car insurance for P-platers?

There are several other factors that can affect the cost of car insurance for drivers under the age of 25:

  • Your gender. Men, especially young ones, are considered more likely to engage in risky driving behaviours than women, so generally have to pay more for car insurance.
  • Where you live. Some suburbs have a much higher rate of car theft than others.
  • Where the car is kept. If your car is locked in a secure garage overnight, you'll pay much less for cover than if it were parked on the street.
  • How often you drive. Vehicles driven frequently are more likely to be involved in an accident than those only driven occasionally.
  • The excess you choose. If you have the flexibility to vary your excess, selecting a higher excess will allow you to pay cheaper premiums.
  • Any discounts that apply. You may be able to take advantage of discounts to lower the cost of your premium, such as savings for buying online or discounts for insuring multiple vehicles.
Icon to represent comparison of car insurers
56% of drivers engage in risky driving practices
A new Finder survey has found more than half (56%) of Australians have admitted to engaging in high-risk driving behaviour – with one in 10 confessing to texting while they drive. Our survey found younger drivers are more likely to engage in dangerous driving behaviour, with 78 per cent of Gen Z respondents saying they multi-task while behind the wheel.
Survey conducted by Finder's insights team; Graham Cooke, Saranga Sudarshan & Joshua Godfrey.

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.

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