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What you need to know
The highest level of car insurance is comprehensive which covers damage to your car and to other people, vehicles and property.
For a more economical option, check out third party insurance which covers some of the most common risks outside of damage to your car.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Third party property damage insurance covers the cost of compensating other people if you cause damage to their cars or property. Be aware that third party insurance doesn't cover any damage to your own car.
To get these third party property damage car insurance costs, we sourced quotes from 13 different providers using the following driver profile:
Male, aged 35
Lives in Sydney
Drives a 2019 Toyota Corolla
Car travels 10,000 - 15,000kms per year
Excess between $695-$1000 (differs depending on provider)
Market value
Driver has held his license for 5+ years
Driver has made no claims in the last 3 years
Car used for private use
No additional drivers
Excludes drivers under 25
No finance on the car
Car is kept in a garage
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 PDS to find cover that suits you.
This type of car insurance typically costs more than third party cover. It covers your vehicle if it's damaged due to fire or theft – 2 very common vehicle hazards. Third party, fire and theft won't cover the costs of damage to your own car in an accident.
To get these third party fire & theft car insurance costs, we sourced quotes from 8 different providers using the following driver profile:
Male, aged 35
Lives in Sydney
Drives a 2019 Toyota Corolla
Car travels 10,000 - 15,000kms per year
Excess between $695-$1000 (differs depending on provider)
Market value
Driver has held his license for 5+ years
Driver has made no claims in the last 3 years
Car used for private use
No additional drivers
Excludes drivers under 25
No finance on the car
Car is kept in a garage
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 PDS to find cover that suits you.
CTP insurance is the only mandatory form of car insurance in NSW and is legally required to register a car. It protects you from legal costs that result from injuries and deaths suffered on the road. It won't cover any kind of damage to vehicles or to any other type of property.
There are currently six insurers that offer CTP insurance in NSW, you can use this CTP calculator to easily compare costs.
CTP Calculator
Compare 6 CTP insurers in NSW with this simple online calculator. For every policy purchased, a tree will be planted.
Price isn't everything when it comes to insuring your car so we reached out to everyday Australians to get a feel for how satisfied they are with their current insurer. As part of the research, we surveyed 1,199 people in NSW about 15 different car insurance providers. Respondents were asked to rate their provider on the following; customer service, features & benefits, ease of application and value for money. The below 3 insurers were the winners and finalists.
Brand
Score (out of 5)?
4.4
4.4
4.3
Find out more about the Finder customer satisfaction awards and how we worked out the overall scores here.
How to lower the cost of car insurance in NSW
If, after shopping around, you're still finding the cost of premiums too high, you've got a few other options to help lower the price:
Restrict drivers. Keeping young drivers out of the driver's seat can have a huge impact on the price you pay.
Opt for a higher excess. You might have to fork out more at claim time but increasing your excess means a lower premium.
Pay annually. Some car insurers charge more when you pay in installments rather than all upfront.
Keep your car off the street. Generally, your car is safer in a garage than in off-street parking and this can mean your premium will be less.
Pay-as-you-go. If you only drive short distances or don't use your car much, you might be able to save with pay-as-you-drive car insurance.
While money’s front of mind for everyone right now, it’s generally a good idea to see if your budget can stretch to comprehensive insurance. Why? It can save you money in the long run. It's the only type of car insurance that’ll cover damage to your vehicle if you’re at-fault in an accident. Plus it’ll cover you for things such as hail and storm damage. Third-party plans don’t cover any of these events. Finder research has found there’s a difference of more than $2,500 between the cheapest and most expensive comprehensive policy – so it really does pay to compare your options.
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.
We're experts
Our team of car insurance experts have researched and rated dozens of policies as part of our Finder Awards and published 330+ guides to make it easier for you to compare.
We're independent
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of car insurance brands, making it easier for you to find a good deal.
We're here to help
Since 2014, we've helped 300,000+ people find car insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.
Frequently asked questions
The average cost of comprehensive car insurance in NSW was $1,323.92 based on our most recent research. Keep in mind, this was for a specific driver profile so your cost will differ.
Compulsory third party or a 'greenslip' is the only mandatory insurance in NSW but you may also consider third party property damage as the next level up or comprehensive insurance for full coverage.
The three main types of car insurance are compulsory third party, third party fire & theft, third party property damage and comprehensive insurance. Additionally, there are specialty types of insurance, like business or rideshare insurance, that you may need depending on how you use your car.
Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share.
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We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
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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
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