The cost of car insurance in QLD will differ on your gender, type of vehicle you drive, the amount of cover you need, your driving experience and a heap of other factors. You can click, "Get Quote" to check what the different providers are quoting you for the policy.
After 7 years with my QLD car insurance provider, I checked out quotes on Finder and found a cheaper price. Despite my years of loyalty, my current provider wouldn't offer any discounts. I switched to Budget Direct and am now saving $180/year. Loyalty may not pay, but switching sure does!— Zoe Sharry, Finder SEO Lead & QLD Resident
If you're looking for car insurance in Queensland, it's possible to find cover from just $721 per year. That's according to the latest Finder Awards research for 2023.
Find out which types of car insurance are most important and how to choose the right policy inclusions and add-ons.
The most recent Finder Awards analysis placed Budget Direct first for value, while Australia Post was the top provider for policy features. Both providers offered good quality cover at a lower price than Queensland's average of $1,136 annually.
But keep in mind there's no one best car insurance in Queensland, as everyone's circumstances and needs differ. For example, actual costs differ based on where you live, your gender and the car you drive.
Price isn't everything. A number of factors influence what policy is right for you. Consider what you're willing to pay for a policy, but also the cover you'll actually need. Some of the extras you need to consider in a policy include roadside assistance, new car replacement, whether you can choose your own repairer and if agreed value is an option for you.
This is why it is so important to compare car insurance options that may be available to you.
Our 2023 Finder Awards found that KOBA, ROLLiN' and Bingle were the cheapest car insurance providers on average in Queensland. We sourced quotes from 33 car insurers and found these 3 to be most competitive on price.
Keep in mind, the actual cost of car insurance in QLD depends on many factors. Your age, claims history and annual mileage to name a few.
| Brand | Price | Apply |
|---|---|---|
 | $721 | More info |
 | $730 | Get a quote |
 | $789 | Get a quote |
 | $912 | More info |
| $922 | Get a quote |
*Be sure to read the PDS on the provider page before making a decision.
Inflation might be starting to ease, but unfortunately we're yet to see that reflected in lower insurance premiums. That's why comparing deals is so important. Finder Awards research shows there's a difference of $201 between the 5 cheapest insurance policies in Queensland. So, a little effort spent looking at your options really could save you hundreds of bucks.
James Martin
Editor of insurance at Finder
The Queensland Government has a car registration estimator that can help you find out how much it will cost for QLD car rego.
We ran quotes* for a few different valued cars and here's what we found:
| Car valued $10,000 | Car valued $20,000 | Car valued $30,000 | Car valued $40,000 | |
|---|---|---|---|---|
| New registration | $1,108.35 | $1,408.35 | $1,708.35 | $2,008.35 |
| Renewing | $775.55 | $775.55 | $775.55 | $775.55 |
*These annual quotes were based on new and existing registrations with CTP insurance included. Correct as of 19 April 2023.
CTP insurance, or compulsory third party (CTP) insurance, is a mandatory form of car insurance for all motor vehicles in Queensland. It covers the cost of compensation if you cause injury or the death of someone in an accident. It can meet the cost of another person's medical expenses, lost income and expenses related to their injuries.
MAIC offers a premium calculator tool to simplify the process of comparing the 4 CTP insurance providers in Queensland: QBE, Allianz, RACQ and Suncorp. It's a good idea to compare any add-ons and extras as well as reviewing costs.
Here are 3 key things you should understand about CTP insurance in Queensland:
| Car insurance benefits | CTP/Green Slip | Third party property damage | Third party fire and theft | Comprehensive |
|---|---|---|---|---|
| Damage to your own vehicle | No | No | No | Yes |
| Damage to someone else's vehicle (third party property) | No | Yes (for example, up to $20 million) | Yes (for example, up to $20 million) | Yes (for example, up to $20 million) |
| Weather events (storm, flood, hail) | No | No | No | Yes |
| Theft | No | No | Yes | Yes |
| Hire car after theft | No | Sometimes optional | Sometimes optional | Yes (for example, $70 per day for 14 days) |
| Fire | No | No | Yes | Yes |
| Personal effects | No | No | No | Yes (for example, up to $1,000) |
| Emergency transport/accommodation | No | No | No | Yes (for example, $100 per day, $900 in total) |
| Towing | No | Sometimes optional | Sometimes optional | Yes |
| Key replacement | No | No | No | Yes (for example, up to $1,000) |
| Death benefit | No | Yes | Yes | Yes |
| Legal liability for injuries or death to other people | Yes | No | No | No |
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I have just received invoice for renewal of insurance for our two family cars. (Also have house and contents insurance with same company,)
I note premium has increased 20.5% over last year`s premium. Is this reasonable? Should I seek quotes from eleswhere?
Hi Alan,
Thanks for getting in touch!
While we review car insurance options on our pages, it’s helpful to know that the best people to reach out to about your premiums increasing is an insurance broker. Aside from them acting as a middleman between the provider and consumer, they use their knowledge to shop around for car insurance deals and negotiate with insurers on your behalf.
As a friendly reminder, carefully review the Product Disclosure Statement of the product before applying. You may also contact the insurance provider should you have any questions about their policy.
Hope this helps and feel free to reach out to us again for further assistance.
Best,
Nikki