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Car Insurance NT

Your guide to getting your car insured in the Northern Territory

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The Northern Territory has the highest rate of fatalities in Australia. That's why it's harder for NT drivers to find a car insurance policy that doesn't cost an arm and a leg. But it is possible - trust us! Car insurance can help protect you and your wallet from the uninsured driver who t-bones you out of nowhere, the local hooligan going around keying cars, and your own moment of distraction when you crash into someone’s Audi in the car park.

Compare comprehensive policies from Australian brands

Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Bingle Comprehensive
Market
Finder's summary: Bingle consistently come up as one of the cheaper insurers out there. They only cover the basics, so you don't get to choose your own repairer, you're not covered for personal items in the car and you won't get a hire car if your car is stolen. But this keeps their premiums low.

Who it might be good for: Someone who wants a low cost option that covers them for the basics.
Woolworths Comprehensive
Optional
Agreed or Market
Finder's summary: Woolworths catch our eye due to some unique perks like a price beat guarantee, where they'll beat any current comparable Comprehensive renewal notice if you're over 25. You'll also get 10% off your grocery shop once a month, and can add roadside assistance onto your policy for just $7.35 per month.

Who it might be good for: Woolworths shoppers and those that want to take advantage of their Price Beat.
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. You'll get 15% off on your first year’s premium when you buy online and get access to their hail hero service. Plus, get a $100 e-Gift card when you purchase a new policy by 30 November 2020 (T&Cs apply).

Who it might be good for: People who want a comprehensive policy that's affordable.
Coles Comprehensive
Optional
Agreed or Market
Finder's summary: Coles have two-tiers of comprehensive car insurance to choose from. You'll 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. If you're over 30, you can get roadside assistance free for a year.

Who it might be good for: Coles customers and Flybuys collectors.
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Compare up to 4 providers

What types of car insurance can I get in NT?

Find the right policy for your situation by selecting an option that strikes an appropriate balance between affordability and cover offered.

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. If you damage someone else’s property, such as a car or a house, in the course of an accident, it’s referred to as a personal liability cost because you are personally liable for it. This expense is covered by all types of car insurance except CTP.
  • Protection for your car. Your policy type determines your level of protection. Third party property only policies do not typically offer any cover for your car, while fire and theft policies only cover fire damage and stolen cars. Comprehensive policies will cover the cost of most damage that may befall your vehicle.

How much will it generally cost?

Your car insurance premiums are affected by how likely you are to make a claim. The more likely this is, the more expensive your car insurance will generally be. Factors like age, your driving record, the type of car you drive and many more are all taken into consideration.

  • CTP. All CTP insurance in the NT costs the same
  • Policy type. The cost of car insurance in the Northern Territory varies depending on policy type, vehicle insured, location and your individual circumstances. Comprehensive insurance is naturally more expensive than basic cover.
  • Stamp duty. Different financial services, including car insurance, are taxed at different levels around Australia. This is known as stamp duty, and for car insurance in NT, it’s set at 10% of the premiums paid. This is typically added to the cost of the insurance.

Northern Territory car theft statistics

According to the National Motor Vehicle Theft Reduction Council (NMVTRC), counting thefts per registrations, the Northern Territory has a national high of 6.09 cars stolen per 1,000 registrations.

The total car thefts numbered 981, or a 1.9% share of national thefts during 2017.

The five most common car theft areas

  1. Darwin City (432)
  2. Palmerston (166)
  3. Alice Springs Town (149)
  4. Litchfield Municipality (79)
  5. Katherine Town (44)

All of the top five crime hotspots in the Northern Territories actually experienced lowering car crime rates versus 2016. Overall car theft dropped 9.8%. Crime is heading back toward 2013 levels.

The most likely time to have a vehicle stolen is on a Monday from 20:00 - 23:59. Friday, Saturdays and Sundays see the most vehicles taken.

Utes dominated the top three theft targets, with the Toyota Hilux claiming first and second place. The Toyota Landcruiser 70 closed out the top three.


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Picture: GettyImages

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