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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.
Its policies are issued by IAG, who also issues NRMA. This means it’s got access to one of the largest repair networks in Australia.
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 $1,059, according to Finder research. This was the lowest of 32 providers we compared.
The unlisted driver excess is a hefty $3,000 so it really pays to add anyone who may drive the car.
ROLLiN' doesn't cover personal effects. Other insurers include up to $1,000 worth of personal effects cover.
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 393 quotes from 37 comprehensive car insurance policies. On average, ROLLiN' came out cheapest for this age group.
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.
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 second-cheapest policy for 20-year-olds out of the 32 that we researched.
It's only slightly more expensive than some third party car insurance policies. Unlike them though, it will also cover damage to your own car.
The average cost of a policy for a 20-year-old is $1,100, 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.
Bingle's comprehensive policy covers less than its competitors. For example, other insurers include a new car replacement in their standard comprehensive polciies. This is an optional extra with Bingle.
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 393 quotes from 37 comprehensive car insurance policies. On average, Bingle came out second cheapest for this age group.
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.
As part of the 2023 Finder car insurance awards, we sourced over 1,000 quotes from 30+ providers using 36 different driver profiles including different ages, genders and locations. To get the average costs above, we filtered this data to look solely at 20 year-old males and females across each eligible state. Further driver profile details can be found in our car insurance methodology.
It's important to note, while these quotes have been collected using our detailed methodology, your own quote will depend on your personal circumstances. Always read the PDS to understand what product is best for you.
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 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 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 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 (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
If you would struggle to pay for repairs to your own car, or your parents if you’re using theirs, then comprehensive car insurance is probably your best bet as a P-plater. It will cost more than a third party policy initially but once you’ve held cover for a while, and you don’t need to claim, prices typically come down.
As a P-Plater, every birthday you become a little less risky to an insurer, because your experience on the road translates to a lower chance of having an accident. So, make sure you shop around every 12 months and compare policies to get the best possible deal.
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.
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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You pay the same as buying directly from the car insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
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Questions you might have
If you're a P-plater under the age of 25, statistically speaking, you're more likely to be involved in an accident due to a lack of driving experience.
There is no universal best car insurance for young drivers because what you need will depend on your personal circumstances. To help find what's best for young drivers, it's worth looking at a range of insurers to understand how they treat young drivers. For example, RoLLiN' car insurance does not add an excess for claims involving a young driver as long as they're listed on the policy. Other insurers will charge an additional excess of around $600. There's no 'best' car insurance for young drivers but there certainly are features of policies - like excesses for those under 25 - that can be appealing for p-platers, and those may be worth considering in your search.
According to Finder's research of 9 different providers, Bingle offers the cheapest comprehensive car insurance policy for p-platers. On average, Bingle charges $1,351 a year while other providers charge between $2000-$3000 for their comprehensive policies.
There's no requirement for P-plate drivers to invest in their own car insurance policy, so there's no problem with remaining insured on your parents' policy (as long as they don't mind).
It will often work out cheaper to share cover with mum and dad on the one family policy than for you to go out and purchase a separate policy. You'll need to be listed as a driver on your parents' policy and this will obviously mean their premiums will increase. They might ask you to chip in to cover the cost but if you're lucky they'll foot the bill. However, keep in mind that this option is only viable if the vehicle is owned by the policyholder and they're the main driver – it can't be done if you're the car's legal owner.
You might be tempted to save money on P-plate car insurance by putting the policy in your mum or dad's name even though they don't own the car. However, this practice, known as "fronting", is not a good idea. If you try to put your policy in a parent's name when you're the main driver, you run the risk of any claim you make being rejected or your entire policy voided, which can have expensive consequences.
Yes. The more expensive your car, the more it will cost to insure. Other vehicle-related factors that influence the cost of cover include:
Some vehicles stand up to collision damage more than others and are cheaper to repair
How easy it is to find the necessary parts to repair some vehicles
Security and alarm systems installed on your vehicle can deter thieves and lower the cost of premiums
Some makes and models are more popular with thieves and cost more to insure
Some makes and models are statistically more likely to be involved in an accident
Older cars are generally cheaper to insure because they have lost a lot of their value and cost less to replace
Gary Ross Hunter is 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, news.com.au, The Telegraph, Explore Travel and Escape. Gary holds a Kaplan Tier 1 General Insurance (General Advice) certification and a Kaplan Tier 1 Generic Knowledge certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
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