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Car Insurance NSW

Whether you're bumper to bumper in the Sydney CBD or cruising the backroads of the coast, you could be just one crash away from a really bad day.

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Aerial view of sydney

Rear-end collisions were the number one cause of accidents in NSW last year. Car insurance can help you (and your wallet) if you're the unlucky person that crashes into a brand-new Mercedes.

Car insurance can cover you for a bunch of things like storms, theft, rogue shopping trolleys, and accidents, plus more. It just makes sense, especially in New South Wales.

Stuck on who to choose? The 3 most popular car insurers for NSW on Finder are:
1. Bingle
2. Youi
3. Budget Direct
Based on clicks to active policies on this page from October 2018 - March 2019

Find car insurance in NSW

Comprehensive car insurance is the only policy type that offers real, proper cover for your car.
Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Qantas Comprehensive
Optional
Optional
Agreed or Market
Earn up to 30,000 Qantas Points when you sign up. Ends 31 March 2020. T&Cs apply.
Budget Direct Comprehensive
Optional
Optional
Agreed or Market
Our 2019 Finder Award winner for Best Value Car Insurance.
Youi Comprehensive
Optional
Agreed or Market
Emergency roadside assistance included in Comprehensive policies.
UbiCar Comprehensive
Optional
Agreed
Use the free UbiCar app to track your driving. Better drivers get lower premiums.
Virgin Comprehensive
Optional
Optional
Agreed
Save 15% when purchasing online. Plus earn 5,000 Velocity Points when purchasing a new eligible policy by 29 April 2020. T&Cs apply.
Huddle Comprehensive
Optional
Agreed or Market
Bingle Comprehensive
Optional
Market
Simple and affordable car insurance.
Real Comprehensive
Optional
Agreed
Save up to 10% when you buy online.
Coles Comprehensive
Optional
Agreed or Market
Save 10% when you buy online + collect double flybuys points at Coles Supermarkets. T&Cs apply.

Compare up to 4 providers

Third party fire and theft will cover you if your car is stolen or is damaged by fire. You'll also be covered for third party damages if you smash into someone else's car or property.
Name Product Fire and Theft Roadside Assistance Personal Effects Accidental Damage Choice of Repairer
Qantas Third Party Property, Fire and Theft
Optional
$0
Earn Qantas Points when you sign up. T&Cs apply.
Budget Direct Third Party Fire and Theft
Optional
$0
Buy online and save 15%.
Youi Third Party Fire and Theft
Optional
$750
Optional
Emergency roadside assistance included in Comprehensive policies.
Virgin Third Party Fire and Theft
Optional
$0
21-day money back guarantee if you change your mind and haven't made a claim.
Huddle Third Party Fire and Theft
Optional
$500
You can opt in for fire and theft cover as part of Huddle’s Third Party Property Damage policy.
Real Third Party Fire and Theft
Optional
$500
Save up to 10% when you buy online.
Coles Third Party Fire and Theft
Optional
$0
Save 10% when you buy online. T&Cs apply.

Compare up to 4 providers

This is generally the cheapest car insurance type, but will only cover third party damages if you smash into someone else's car or property.
Name Product Damage to your Car Damage to Other People's Car Pay Monthly At No Extra Cost Legal Liability
Qantas Third Party Property Only
$20,000,000
Earn Qantas Points when you sign up. T&Cs apply.
Budget Direct Third Party Property Damage
$20,000,000
Buy online and save 15%.
Youi Third Party Property Damage
$20,000,000
Emergency roadside assistance included in Comprehensive policies.
Virgin Third Party Property Damage
$20,000,000
21-day money back guarantee if you change your mind and haven't made a claim.
Huddle Third Party Property Damage
$20,000,000
Certified B Corporation, so they only invest money in companies that are having a positive impact on the planet.
Bingle Third Party Property Damage
$20,000,000
Real Third Party Property Damage
$20,000,000
Save up to 10% when you buy online.
Coles Third Party Property Damage
$20,000,000
Save 10% when you buy online. T&Cs apply.

Compare up to 4 providers

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.

We analysed quotes from 38 car insurance companies and found the average cost for a comprehensive car insurance policy in New South Wales for 4 personas .

Type of Driver
Average Cost/Year
Cheapest Price We Found
24 Year Old Male
$1,765
$1002: Bingle
Get quote
35 Year Old Male
$1,289
$639: Bingle
Get quote
46 Year Old Female
$1,186
$571: Bingle
Get quote
70 Year Old Female
$1,146
$498: Bingle
Get 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.

Overall, for the 2019 Finder Awards, Budget Direct came out on top for Best Value Car Insurance. See more about them and our methodology below.

Who came out on top nationwide?

Alexandra Koster Insurance Expert

Finder Award Winner: Budget Direct Car Insurance

Budget Direct won the 2019 Finder Award for Best Value Car Insurance because it was one of the more affordable policies on the market, whilst still providing strong coverage for your car.

Their policy boasts flood and storm cover, 24/7 phone assistance, adjustable excess, optional roadside assistance, a hire car, towing costs, and even a hail warning SMS system.

  • 15%
    15% online discount
  • 24/7
    24/7 roadside assistance for less than $1.60 a week
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What type of car insurance can I get in New South Wales?

All cars need CTP insurance, and you should also choose a liability and damage policy.

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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