Car Insurance QLD

Learn how to find the best car insurance for you in Queensland.

You can get your car insured in Queensland in three steps.

  • Get Compulsory Third Party (CTP) insurance. Each CTP insurer in Queensland sets their own price and delivers slightly different features. The only way to find the ideal option is to compare all four insurers. You are able to change CTP insurers only when registering a new vehicle, or renewing registration.
  • Choose your damage cover. Once you have your CTP insurance, 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.
Stuck on who to choose? The 3 most popular car insurers for Queenslanders on Finder are:
1. Bingle
2. Youi
3. Budget Direct
Based on clicks to active policies on this page from October 2018 - March 2019

Compare car insurance for Queensland

Comprehensive car insurance is the only policy type that offers real, proper cover for your car.
Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Market
Discounts: Save 24% on your policy if you've been claim free for 3 years.
Optional
Optional
Agreed or Market
Discounts: Buy online and save 15%.
Optional
Agreed or Market
Highlights: Emergency roadside assistance included in Comprehensive policies.
Optional
Agreed or Market
Highlights: Advanced anti-fraud technology allows you to claim and get paid instantly. Transforms your driving so it's 100% carbon neutral. Certified B-Corp for those that are ethically conscious.
Optional
Optional
Agreed
Discounts: Save 15% when purchasing online. Plus receive up to 10,000 Velocity Points when purchasing a new eligible policy by 5 June 2019. Min 6 months policy. T&C’s apply.
Optional
Agreed
Discounts: Save up to 10% when you buy online.

Compare up to 4 providers

Third party fire and theft will cover you if your car is stolen or is damaged by fire. You'll also be covered for third party damages if you smash into someone else's car or property.
Name Product Fire and Theft Roadside Assistance Personal Effects Accidental Damage Choice of Repairer
Optional
$0
Buy online and save 15%.
$750
Optional
Emergency roadside assistance included in Comprehensive policies.
Optional
$500
Transforms your driving so it's 100% carbon neutral.
Optional
$0
21-day money back guarantee if you change your mind and haven't made a claim.
Optional
$500
Save up to 10% when you buy online.

Compare up to 4 providers

This is generally the cheapest car insurance type, but will only cover third party damages if you smash into someone else's car or property.
Name Product Legal Liability Roadside Assistance Pay Monthly At No Extra Cost
$20,000,000
Save 24% on your policy if you've been claim free for 3 years.
$20,000,000
Optional
Buy online and save 15%.
$20,000,000
Emergency roadside assistance included in Comprehensive policies.
$20,000,000
Transforms your driving so it's 100% carbon neutral.
$20,000,000
Optional
21-day money back guarantee if you change your mind and haven't made a claim.
$20,000,000
Optional
Save up to 10% when you buy online.

Compare up to 4 providers

How much does car insurance cost in Queensland?

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.

We analysed quotes from 38 car insurance companies and found the average cost for a comprehensive car insurance policy in Queensland for 4 personas .

Type of Driver
Average Cost/Year
Cheapest Price We Found
24 Year Old Male
$1,279
$741: Virgin Money
Get quote
35 Year Old Male
$955
$557: Bingle
Get quote
46 Year Old Female
$872
$497: Bingle
Get quote
70 Year Old Female
$905
$434: Bingle
Get quote

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

What types of car insurance can I get in 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.

How to get car insurance QLD

Green Slip (or CTP) Third party property Third party fire & theft Comprehensive
Injuries to other people
  • Yes
  • No
  • No
  • No
Damage to other people's property
  • No
  • Yes
  • Yes
  • Yes
Damage to your own car
  • No
  • No
  • No
  • Yes
  • 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.


Get the latest car insurance news

Was this content helpful to you? No  Yes

Related Posts

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.
Ask a question
Go to site