Compare Car Insurance NSW

We've analysed quotes from 35+ car insurance companies and found the 3 cheapest providers in NSW.

Coles Comprehensive

Coles Comprehensive logo image
Promoted

Get 10% off your first year's premium online.

  • Earn double flybuys points at Coles
  • Up to $200 for damaged or stolen groceries
  • 24/7 claims lodgement & management
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Terms and conditions apply.

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Compare car insurance in NSW

Unlike CTP insurance, other types of insurance are not a requirement in NSW. But it's highly recommended. In case, you're rear-ended or your car is stolen, it can help you plus save money. Compare comprehensive, Third Party Fire and Theft or Third Party Property Damage policies and get quotes today.

Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Coles Comprehensive
Optional
Agreed or Market
Finder's summary: With Coles comprehensive car insurance, you could earn double flybuys points at Coles supermarkets and you can get $10 off your Coles grocery bill every time you redeem 2,000 Flybuys points. Also, get up to $200 for damaged or stolen groceries. Get 10% off your first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: Coles customers and Flybuys collectors.
Australia Post Comprehensive
Optional
Agreed or Market
Finder's summary: Australia Post car insurance offers comprehensive cover for things like theft, fire, new for old replacement and emergency accommodation and transport. Cover also extends to anyone who uses your car, not just you. Get $75 online discount + $100 gift card when you purchase by 11 July 2021. T&Cs apply.

Who it might be good for: If multiple people use the one car and you don’t want to worry about listing all drivers.
Virgin Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Finalists for the 2019 Finder Awards for Best Value Car Insurance, Virgin Comprehensive provides a good level of cover for a decent price. Get 15% off on your first year’s premium when you purchase a new eligible comprehensive car insurance online. T&Cs Apply.
Budget Direct Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Awarded the 2019 Finder Award for the Best Value Car Insurance, this policy offers solid coverage at a low cost plus you will get 15% discount on first year's premium when you take out a policy online. Budget Direct's claims service has received a 4.2/5 based on nearly 5,000 customer reviews.

Who it might be good for: People who want a comprehensive policy without breaking the bank.
Bingle Comprehensive
Market
Finder's summary:Bingle consistently comes up as one of the cheaper insurers out there. It only covers the basics, so you don't get to choose your own repairer, you're not covered for personal items in the car and unless you add it as an option, you won't get a hire car if your car is stolen. But this keeps its premiums low.

Who it might be good for: Someone who wants a low-cost option that covers them for the basics.
Qantas Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: You'll be able to choose how comprehensive you want your cover to be with optional extras like choice of repairer and the option of agreed or market value. Plus you can also earn Qantas Points for joining and paying your premium. Sign up today and earn up to 20,000 Qantas Points (points awarded will be based on your premium). T&Cs and eligibility apply.
PD Comprehensive
Optional
Agreed
Finder's summary: PD comprehensive car insurance policy lets you buy, manage, and start your claims process online. It includes cover for emergency repairs up to $500 and free windscreen chip repair. Ability to customise your extras cover. New policyholders can enjoy 15% off on their first year's premium. T&Cs apply.

Who it might be good for: Those with low claims history and the only driver.
QBE Comprehensive
Green Company
QBE Comprehensive
Optional
Agreed or Market
Finder's summary: QBE is a sustainable insurance company and also Finder's Green Insurer of the Year 2021 Award winner. This policy offers the highest level of protection available from QBE including three-year new car replacement. You can also save $75 when you purchase a new comprehensive policy online. T&Cs apply.

Who it might be good for: Those that are looking for a more environmentally friendly insurance choice.
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Compare up to 4 providers

Stuck on who to choose? The 3 most popular car insurers for NSW on Finder are:
1. Bingle
2. Budget Direct
3. Youi
Based on clicks to active policies on this page from October 2019 - March 2020

Who has the cheapest car insurance in New South Wales

No matter where you are in the country, the cost of car insurance is determined by the same, or very similar, factors. The more likely you are to get into an accident, have your car stolen, or make a car insurance claim, the higher your car insurance premiums will be. For this reason, there's no universally cheapest car insurer in New South Wales, as the cost will depend on your own circumstances.

New South Wales is one of the most expensive states in Australia for car insurance, thanks to crowded roads and above-average theft rates. This means it is particularly important to look for cheap car insurance in NSW.

Where possible, we analysed quotes from 38 car insurance companies where possible and found the 3 cheapest providers based on their average cost for a comprehensive car insurance policy in New South Wales for 4 personas . For full methodology on our Finder Awards 2019, head here.

Here are the 3 cheapest insurers in New South Wales according to our criteria

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, the amount of cover you need, plus more. To make sure the product is suitable for you, always check the product disclosure statement (PDS).

BrandPriceApply
Bingle$724.46Get quote
Coles$884.29Get quote
Budget Direct$909.74Get quote

NSW car insurance in three steps

  • Choose your damage cover. Choose the type of car insurance damage cover that suits your needs.
  • Compare and buy online. Once you’ve found the right policy, compare it with other options and buy online for more discounts as well as to save time and hassle.

Who's got the best car insurance in New South Wales?

There's no set best car insurance in NSW (or even in Australia!) as your own circumstances will influence what policy is right for you. Before you sign along the dotted line, don't just consider the cost of your policy, but also what you're actually covered for and what you think you'll need. Some examples include roadside assistance, new car replacement, a choice of repairer, and whether agreed or market value is available, amongst others.

What car insurance do I need in NSW?

At the bare minimum, all cars in New South Wales need to have CTP insurance.

Getting CTP insurance in NSW

CTP insurance in NSW, also known as a Green Slip, covers the cost of injuries sustained in road accidents. There are six different CTP insurers to choose from in NSW, and each sets their prices differently.

  • 6- or 12-month insurance period. You can choose either a 6-month or a 12-month insurance period to better manage the costs.
  • No difference in cover. All insurers will offer the same required cover, so you can compare by price alone.
  • The cheapest Green Slips. Find the cheapest Green Slip by getting a quote from each insurer and choosing the lowest price.

Once you have a CTP insurance policy, you are insured for personal injuries on the road. Next, you can pick the type of car damage cover that suits your needs.

Personal liability and car damage insurance

There are three additional types of car insurance to choose from. Find the cover that’s right for you by balancing cost and protection.

Third party propertyThird party property, fire and theftComprehensive
Personal liabilityYesYesYes
Protection for your carNoCover for fire damage and theftComprehensive protection from many forms of damage
  • Personal liability: This is the cost of damage you may cause to other cars or to a person’s property because of an accident. Third party property car insurance policies deliver cost-effective, personal-liability-only cover.
  • Protection for your car: Different policies will protect your car from different types of damage. A third party fire and theft policy covers you from these two common hazards as well as delivering personal liability cover. Comprehensive car insurance protects you from many different types of damage, and also includes personal liability cover.

New South Wales car thefts

According to the National Motor Vehicle Theft Reduction Council (NMVTRC) in 2017, 12,216 vehicle thefts took place in New South Wales. This was a 2.6% increase compared with 2016. NSW accounts for 23.1% of the total national thefts.

The worst vehicle crime spot in NSW is the city of Blacktown (805 vehicles stolen). The city experienced a 9.8% surge in crime. The next worst-hit areas are Central Coast (674), Canterbury-Bankstown (614), Lake Macquarie (484) and Penrith (481).

The most stolen vehicle was the 2006-2013 Holden Commodore VE (218 stolen). Next came the 2005-2011 Toyota Hilux, with 196 taken and the 2012-2015 Hilux model accounted for 149. The most stolen price range was cars worth under $5,000.

Motorcycle theft increased in NSW to 1,673.

Friday's between 16:00 and 19:59 are the most likely times for your car to be taken. The next riskiest time is Saturday evening between the hours of 20:00 and 23:59. 612 owners had their vehicle stolen during this time.


Watch: What type of car insurance is right for you?


Picture: GettyImages

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