Compare Car Insurance NSW

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

Budget Direct Comprehensive

Budget Direct logo image
Promoted
  • Get a 15%* online discount
  • 24/7 Claims
  • Lifetime guarantee on repairs
  • Save by restricting younger drivers
Get Quote
*First year's premium for a new policy. T&Cs apply.

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

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.

Compare car insurance in NSW

Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Budget Direct Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Awarded the 2021 Finder Award for Car Insurance - Value in QLD, SA, TAS, VIC, WA and Car Insurance - Features in NSW, VIC, WA, this policy offers solid coverage at a low cost. Budget Direct's claims service has received a 4.2/5 based on nearly 5,000 customer reviews.

⭐ Current offer: Get 15% discount on first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: People who want a comprehensive policy without breaking the bank.
Virgin Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Finalists for the 2021 Finder Awards for Best Car Insurance - Value in VIC, QLD, SA, WA and TAS, Virgin Comprehensive provides a good level of cover for a decent price.

⭐ Current offer: Get 15% off on your first year’s premium when you purchase a new eligible comprehensive car insurance online. T&Cs apply.

Who it might be good for: People who'd like to manage their policy online 24/7.
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.

⭐ Current offer: 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.

Who it might be good for: People who'd like to earn Qantas Points.
Bingle Comprehensive
Market
Finder's summary:Bingle consistently comes up as one of the cheaper insurers out there. It only covers the basics. 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.
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.

⭐ Current offer: 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.
ahm Comprehensive
Optional
Both
Finder’s summary: ahm comprehensive car insurance lets you choose higher excess to reduce your premiums. Its Fixed Kilometre Plan can save you up to 30% compared to its standard comprehensive cover.

⭐ Current offer: Get up to 15% off when you purchase a new car insurance policy. T&Cs apply.

Who it might be good for: People who drive less than 15,000 km per year.
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.

⭐ Current offer: Get $75 off your first year’s premium when you buy online. 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.
Huddle Black Comprehensive
Agreed or Market
Finder's summary: Huddle's black comprehensive is its cover with highest limits and exclusive benefits. It includes roadside assistance. You can also get up to $2,000 for emergency travel and accommodation and up to $30 million legal liability cover.

Who it might be good for: Someone who wants a 24/7 claims processing.
Youi Comprehensive
Optional
Agreed or Market
Finder's summary: Youi Comprehensive Car Insurance is one of the few providers to include roadside assistance in its policy. You'll also get access to YouiRewards which gives you discounts on furniture, parking and more. Youi also has a live chat feature on its site to talk through any questions.

Who it might be good for: People over 25 who want comprehensive cover with a focus on customer service.
loading

Compare up to 4 providers

Stuck on who to choose? The 3 most popular car insurers for NSW on Finder are:
1. Budget Direct
2. Bingle
3. Youi
Based on clicks to active policies on this page from March 2021 - September 2021

Updated September 2021

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.

For our 2021 Finder Awards, we analysed quotes from 35 car insurance companies and found the 3 cheapest providers based on their average cost for a comprehensive car insurance policy in New South Wales. For full methodology, 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 logo$683Get quote
AAMI$840More info
Progressive logo$929More info

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.

More guides on Finder

    Ask an Expert

    You are about to post a question on finder.com.au:

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • finder.com.au is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked

    Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

    2 Responses

      Default Gravatar
      clockOctober 28, 2021

      Hi there! Would you mind if I share your blog with my twitter group?
      There’s a lot of people that I think would really appreciate your content.
      Please let me know. Thank you

        Avatarfinder Customer Care
        JamesNovember 10, 2021Staff

        Hi,

        Thank you for your feedback. We’re glad you appreciate our content and feel free to share this with your networks. Our goal is help people make better decisions every day.

        Regards,
        James

    Go to site