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Car Insurance QLD

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

Updated

Fact checked
Gold Coast

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. Youi
3. Qantas
Based on clicks to active policies on this page from October 2019 - March 2020

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.

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
Budget Direct Comprehensive
Optional
Optional
Agreed or Market
Our 2019 Finder Award winner for Best Value Car Insurance.
Qantas Comprehensive
Optional
Optional
Agreed or Market
Earn up to 20,000 Qantas Points when you sign up. Points awarded will be based on your premium. T&Cs apply.
Youi Comprehensive
Optional
Agreed or Market
Emergency roadside assistance included in Comprehensive policies.
Poncho Comprehensive
Agreed
Temporary 30% reduction in your premium to help ease COVID pressure.
Virgin Comprehensive
Optional
Optional
Agreed
Grab a $100 e-Gift card when you purchase a new eligible Virgin Car Insurance policy by 30 September 2020. You’ll also save 15%. T&C's Apply.
Real Comprehensive
Optional
Agreed
Save up to 10% when you buy online.
Kogan Comprehensive
Optional
Agreed
Save up to 10% when you buy online + $50 Kogan.com Credit.
UbiCar Comprehensive
Optional
Agreed
Cheaper comprehensive monthly cover, personalised to how well or how far you drive your car.
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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
Budget Direct Third Party Fire and Theft
Optional
$0
Save 15% on your first year's premium when you purchase a new policy online. T&Cs apply.
Qantas Third Party Property, Fire and Theft
Optional
$0
Earn Qantas Points when you sign up. T&Cs apply.
Youi Third Party Fire and Theft
$750
Optional
Emergency roadside assistance included in Comprehensive policies.
Virgin Third Party Fire and Theft
Optional
$0
Grab a $100 e-Gift card when you purchase a new eligible Virgin Car Insurance policy by 30 September 2020. T&C's Apply.
Real Third Party Fire and Theft
Optional
$500
Save up to 10% when you buy online.
Kogan Third Party Property, Fire & Theft
Optional
$500
Save up to 10% when you buy online.
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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 Damage to your Car Damage to Other People's Car Pay Monthly At No Extra Cost Legal Liability
Budget Direct Third Party Property Damage
$20,000,000
Save 15% on your first year's premium when you purchase a new policy online. T&Cs apply.
Qantas Third Party Property Only
$20,000,000
Earn Qantas Points when you sign up. T&Cs apply.
Youi Third Party Property Damage
$20,000,000
Emergency roadside assistance included in Comprehensive policies.
Virgin Third Party Property Damage
$20,000,000
Grab a $100 e-Gift card when you purchase a new eligible Virgin Car Insurance policy by 30 September 2020. T&C's Apply.
Real Third Party Property Damage
$20,000,000
Save up to 10% when you buy online.
Kogan Third Party Property Damage
$20,000,000
Save up to 10% when you buy online.
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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.

Overall, for the 2019 Finder Awards, Budget Direct came out on top for Best Value Car Insurance. See more about them and our methodology below.

Who came out on top nationwide?

Alexandra Koster Insurance Expert

Finder Award Winner: Budget Direct Car Insurance

Budget Direct won the 2019 Finder Award for Best Value Car Insurance because it was one of the more affordable policies on the market, whilst still providing strong coverage for your car.

Their policy boasts flood and storm cover, 24/7 phone assistance, adjustable excess, optional roadside assistance, a hire car, towing costs, and even a hail warning SMS system.

  • 15%
    15% off first year's premium for new policies purchased online. T&Cs apply.
  • 24/7
    24/7 roadside assistance for less than $1.60 a week
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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 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

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.

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

  1. 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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