These products offer the best value and outcomes considering various product features and price.
7+
Great
Competitive products within their group.
5+
Standard
But these products still offer reasonable value and have the basics sorted.
0+
Basic
Offering basic cover with limited features or higher pricing.
Finder Score for car insurance
We analyse over 30 car insurance products across insurance providers, and rate each one for price and features. We collect up to 36 quotes per product, for male and female drivers in New South Wales, Victoria, Queensland, South Australia, Tasmania and Western Australia. Quotes are collected for 20 year olds, 30 year olds and 60 year olds, assuming an excess of $850 for a 2020 Toyota Corolla 4 door sedan model, with an average 15,000 kms driven each year. We use your responses to our quiz to pair you with the closest price profile and while we are not allowed to display actual quotes, our price score aims to serve as an indicative guide to how cost competitive a product might be for you.
Our feature score assesses each product for more than 15 features across loss and damage coverage, repairs and assistance coverage, personal items coverage and policy coverage. Features we assess include but are not limited to legal liability, essential repairs, new car replacement, car hire events, roadside assistance, agreed or market value, windscreen damage and natural disaster coverage.
Depending on your answers to our car insurance quiz, we upweight the relevant price score or feature score to generate a dynamic Finder Score (80% weighting on the primary selection between Price or Feature). Finder Score, Price Score and Feature Score are only to be used as indicative guides and are not product recommendations.
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.
How do the different types of car insurance compare?
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 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.
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 A
Policy B
Excess
$850
$800/$850
Market or agreed value
Market value (insurer decides payout figure on date of claim)
Market value (insurer decides payout figure on date of claim)
Hire car after theft
Yes – up to $75/day (max 14 days)
Yes – up to $75/day (max 14 days)
New car replacement
Yes – if written off in first 2 years
Yes – if written off in first 2 years
Personal effects
$500
$500
Roadside assistance
Optional 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
How Sarah saved $250 on her car insurance
"I recently went to renew my comprehensive car insurance policy when I noticed the cost had drastically increased from $598 to $800. I decided to compare some other options and now, we've found the same level of cover with a reputable and well-known insurer for just $550. That's $250 in savings!"
"When it came time to renew, I took 20–30 minutes to research other providers, put together a few quotes and went back to my current insurer to see if they'd negotiate. They were more than happy to compete and marked down their initial price to one that justified staying with them. It's really surprising how much you can save when you only need to put a small amount of time aside to compare your insurance options."
"My car insurance was up for renewal with a total increase of $537. I compared insurers on Finder and received a quote with comparable cover to my existing policy for $1,000 less. I made a few tweaks but ultimately, the policy covers everything I need and it's way more affordable."
"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."
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 November 2025.
Baby boomers: $108
Gen X: $131
Gen Y: $166
Gen Z: $191
Price based on 590+ responses about their monthly premium in November 2025.
Compare car insurance by state
The providers listed in the table below were the top 5 cheapest of the providers we 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.
To see the profiles we used to collect these quotes, please read Finder's car insurance methodology. Your cost will differ depending on your circumstances. Some things that can affect the cost of your quote include your gender, the type of car you drive, the colour of the car, how long you have been driving and the amount of cover you need. Be sure to read the product disclosure statement (PDS) to find cover that suits you.
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 rank out of 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
According to Finder’s research of over 30 providers, Bingle offers the cheapest car insurance on average. A comprehensive car insurance policy from Bingle can start from $862. It can be cheaper or more expensive based on what state you live in.
According to 2024 Finder research, on average, a comprehensive car insurance policy costs around $1,362.
When purchasing comprehensive car insurance, the PDS will outline which features are included in your policy and which are available as optional extras. See below for a list of features that are typically included and which will need to be purchased as an extra.
Typically included in your comprehensive policy:
Hire car after theft. Most insurers will cover costs for a hire car (for example, around $50 per day) if your vehicle is stolen. 2023 Finder research shows that Bingle is one of the only insurers to not include this as standard in its comprehensive policy.
New car replacement if written off within a certain timeframe or mileage limit. For example, if your car is written off within the first 2 years of its manufacture or has less than 15,000km on the odometer, then your car insurer will provide you with a new replacement.
Weather events. Your car is insured for damage as a result of fires, storms or floods.
Towing. Our research of over 30 providers indicates all comprehensive policies include towing in their coverage.
Legal liability. All comprehensive policies include this but the amount can vary. For example, Youi will cover up to $20 million in legal liability and Kogan will cover up to $30 million.
Typically offered as a paid extra:
Choice of repairer. If you’d like to choose where your car is repaired after an insured event then you can pay to pick the repairer rather than have your insurer allocate you one. This is handy if you have a modified or classic car and only work with mechanics you know or trust.
Roadside assistance. Our research showed Youi is the only provider to include roadside assistance as part of its comprehensive policy. For all other providers, roadside assistance is a separate product you will need to purchase in addition to car insurance.
Windscreen damage. Windscreen repairs often cost around the same as paying your excess which can make claiming pointless, so some insurers will offer a no excess windscreen option. This is where you pay a slightly higher premium upfront but don’t need to pay an excess when you make a windscreen damage claim.
Hire car after accident. This is an optional extra but almost all policies have parameters around it. For example, the hire car must not exceed a cost of $75 per day. This limit varies by insurer.
Market value is a figure based on what your insurer estimates your car is worth, while agreed value is a specific amount you and your insurer agree on. There's less risk you will be underinsured and out of pocket with agreed value (if you agree to a higher amount) but your premiums may cost more.
Generally, learner drivers will be included under your insurance. However, they may have to pay a larger excess if they have an accident. Remember, a fully licensed driver must be in the passenger seat as an instructor whenever a learner driver is in control of a vehicle.
P-platers can be added as an additional driver to your insurance as long as they drive less than you. Otherwise, they'll need to buy their own car insurance policy.
No. Your car insurance won't cover you if you drive another person's vehicle. It only applies to the car listed on the insurance policy.
No. Car hire companies will typically offer insurance that covers their vehicles, but your standard car insurance policy will not cover you if you damage a hire car while driving it.
Yes, it's highly likely your premium will go up if you make a claim on your car insurance policy.
If your car has been written off in an insured event, then you will receive the market value amount or the agreed value amount that’s outlined in your policy. Some comprehensive policies will replace your car with a new vehicle if your car was declared a write-off within the first 2 years of its first registration or within a certain amount of kilometres.
This depends on your car and your budget. A lot of people go for comprehensive car insurance because it offers the highest level of coverage; it covers your car for damages and other people’s property too. If you want cover for damage to your own car then comprehensive will be the best type of car insurance for you. If you don’t need cover for your own car, then third party property damage or third party fire & theft might be best.
Not typically. If you haven't renewed your car insurance then you aren't covered for the time that it lapsed.
Bingle keeps premiums low by operating online-only rather than having expensive bricks and mortar premises to interact with customers. They also offer limited extras, focusing on essential coverage to cut down costs.
Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards.
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