Car Insurance QLD

Living in the Sunshine State? Here's everything you need to know about car insurance in Queensland.

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Budget Direct Car Insurance

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Compare car insurance for Queensland

The cost of your car insurance usually differ depending on your circumstances. Your gender, the type and colour of the car you drive, the amount of cover you need, your driving experience, and other factors will have an impact on your quote.

Data indicated here is updated regularly
Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Bingle Comprehensive
Market
Finder's summary:Bingle consistently comes up as one of the cheaper insurers out there. It only covers the basics, so 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.
Budget Direct Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Awarded the 2019 Finder Award for the Best Value Car Insurance, 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.

Who it might be good for: People who want a comprehensive policy without breaking the bank.
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.
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. Get 15% off on your first year’s premium when you purchase a new eligible comprehensive car insurance online. T&Cs Apply.
Poncho Comprehensive
Agreed
Finder's summary: Poncho works like a monthly subscription – you pay monthly and can cancel and leave at any time. You can also list multiple cars and drivers under one policy, making it ideal for families and groups living together under one household.

Who it might be good for: People who want their car insurance month to month.
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
Stella Comprehensive
Optional
Agreed or Market
Finder's summary: Stella’s a female-focused insurer. It'll cover you if your car is damaged as a result of domestic violence. It offers higher cover for baby gear than most, with up to $2,000 cover for prams, strollers and child seats. You get a free Bauer magazine subscription when you sign up and a portion of your premiums go to supporting female-led businesses.

Who it might be good for: Someone who wants a female-centred car insurance policy (it will cover men too).
Qantas Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: You'll be able to pick and choose how comprehensive you want your cover to be with optional extras like roadside assistance, choice of your own repairer and the option of agreed or market value. Plus earn Qantas Points for joining and paying your premium. Sign up by 28 February 2021, you can earn up to 40,000 Qantas Points (points awarded will be based on your premium). T&Cs and eligibility apply.

Who it might be good for: People who love collecting frequent flyer points.
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Compare up to 4 providers

If you're looking for car insurance in Queensland, and want to compare cover to find the best policy for you, look no further. This guide will explain which type of car insurance is essential, how to choose extras that work for you, and where you can get it all sorted. Easy.

Stuck on who to choose? The 3 most popular car insurers for Queenslanders on Finder are:
1. Budget Direct
2. Bingle
3. Youi
Based on clicks to active policies on this page from October 2019 - March 2020

Who has the best car insurance for Queensland?

There's no set best car insurance in Queensland (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.

This is why it is so important to compare car insurance options that may be available to you.

Who has the cheapest car insurance in Queensland

Where possible, we analysed quotes from 38 car insurance companies where possible and found the 3 cheapest car insurance providers based on their average cost for a comprehensive car insurance policy in Queensland for 4 personas . For full methodology on our Finder Awards 2019, head here.

Keep in mind that there's no single insurer that will be the cheapest for everyone in Queensland - the cost you might get may be very different to others. The cost of car insurance in QLD is determined by similar factors found in the rest of Australia. The more likely you are to make a claim, the higher your premiums will be. This can be because your car is more likely to be stolen, you have a history of traffic accidents or a number of other reasons.

Here are the 3 cheapest insurers in Queensland according to our criteria

BrandPriceApply
Budget Direct$560.94Get quote
Virgin Money$571.79Get quote
Australia Post$586.09More info

*Be sure to read the PDS on the provider page before making a decision.

How much does QLD car registration cost?

The Queensland Government have a car registration estimator that can help you find out how much it will cost for QLD car rego. We popped in the prices of a few different valued cars and here's what we found:

Car valued $10,000Car valued $20,000Car valued $30,000Car valued $40,000
New registration$708$1,008$1,308$1,608
Renewing$377$377$377$377

Types of car insurance QLD

Car insurance can be divided into two parts. The first is mandatory CTP insurance, and the second is liability and damage cover.

What do I need to know about CTP insurance in QLD?

CTP insurance in Queensland operates based on an at-fault scheme. This means that in order to claim full benefits, you will need to prove that the other driver was at fault for the accident. It is not enough to prove your own innocence. You can still claim certain medical benefits for serious injuries, regardless of fault.

When you register a vehicle, or renew vehicle registration in Queensland, the cost of CTP insurance is built into it. Prices are strictly regulated and all insurers in Queensland will offer the exact same cover at the exact same price with one main exception:

  • Optional at-fault cover. Half of the insurers offer this option, while the other half do not. This costs extra, but means you can access full benefits even without proving that the other party was at fault for an accident. This is the only decision to consider when getting CTP insurance in QLD.

CTP protects you from medical expenses incurred by accidents, but not for any type of property damage. For this, you will need to choose the type of car insurance damage cover that’s right for you by balancing value and protection.

What car insurance should Queensland drivers get?

Insurance Type
Injuries to other people
Damage to other people's car or property
Damage caused by fire or theft
Accidental damage to your own car
Cost each year
Green Slip (or CTP)
Yes
No
No
No
-
Third party property damage
No
Yes
No
No
$201
Third party fire and theft
No
Yes
Yes
No
$265
Comprehensive
No
Yes
Yes
Yes
$465

The driver is female and born in 1980, drives a 2016 Toyota Corolla, and lives in Brisbane. Please note that these costs aren't indicative of the entire market, but more to show the cost differences between policy types. Your costs may be quite different to the ones above. Prices were gathered from Budget Direct.

  • Personal liability: Personal liability expenses are incurred by causing damage to other cars or to someone else’s property. This type of insurance covers the cost of damages if you are liable for the accident.
  • Protection for your car: Different policies will deliver varying types of protection. A third party fire and theft policy covers you from these two common risks and also includes personal liability cover. Comprehensive car insurance protects you from many different types of damage and also includes personal liability cover.

Queensland car thefts

According to the National Motor Vehicle Theft Reduction Council (NMVTRC) in 2017 Queensland car thefts ballooned 10% versus 2016 to 11,125. Theft here has steadily risen over the last two years.

9,029 of the thefts were passenger/light commercial vehicles. 1,525 motorcycles were stolen. Thieves took 571 larger commercial vehicles.

The hottest crime areas in Queensland are Brisbane city, with 2,118 thefts. In second place, Gold Coast city police dealt with 1,375 car crimes. Next came Logan city, the Cairns regional council area and Moreton Bay.

Queensland thieves targeted cars valued between $0 and $5,000 the most. They equally favoured cars valued between $10,000 and $20,000 as well as the $5,000 to $10,000 bracket.

Holden Commodores made from 2006 - 2013 are most often stolen. The Toyota Hilux also proved popular and Ford Falcons produced from 2002 - 2005 rounded out the top three.

Remain vigilant at all times, but especially so on Saturdays from 20:00 - 23:59 as this is when most thefts occur.


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    2 Responses

      Default Gravatar
      AlanOctober 18, 2019

      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?

        Default Gravatar
        NikkiOctober 19, 2019

        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

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