Budget Direct Comprehensive
- Get a 15%* online discount
- 24/7 Claims
- Lifetime guarantee on repairs
- Save by restricting younger drivers
Scan to download the Finder app on iOS or Android
Budget Direct Comprehensive
We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
The cost of car insurance in QLD will differ on your gender, type and colour of your car, the amount of cover you need, your driving experience, and other factors. You can click, 'Get Quote' to check what the different providers are quoting you for the policy.
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.
Updated September 2021
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.
For our 2021 Finder Awards, we analysed quotes from 35 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 full methodology, 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.
Brand | Price | Apply |
---|---|---|
![]() | $608 | Get quote |
![]() | $740 | Get quote |
![]() | $752 | More info |
*Be sure to read the PDS on the provider page before making a decision.
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 |
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:
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.
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.
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.
Alexandra Koster is Finder's publisher for car, home and pet insurance. She has a Tier 1 certification in General Insurance, as well as a Bachelor of Arts in Film and Cultural Studies from the University of Sydney. Her hobbies include reading Product Disclosure Statements and deciphering complicated insurance lingo to help people save on their insurance so that they can spend their money on better things – like dogs.
How to stay up to date with your car insurance and avoid any hassle.
Yes, you need car insurance to protect you from expensive bills following an accident.
Your comprehensive guide to getting trailer insurance for caravans, mobile homes and box trailers.
Finder research found 42% of Australians, equivalent to 8.2 million people, are planning a domestic road trip over the next 6 months.
A Toyota LandCruiser car insurance policy is around $138.43 a month. Compare 5+ policies side-by-side to see if you can get better value for your money.
The average Toyota HiAce comprehensive insurance policy is $107.21 a month. Compare 5+ policies, discounts and find out if you could pay less.
The average Toyota Granvia comprehensive insurance policy is $127.36 a month. Compare 5+ policies, discounts and get covered for a hire car, personal effects and more.
Toyota C-HR car insurance costs around $X a month. Compare 5+ policies to see if you could be paying less.
ROLLiN' is an IAG-backed car insurer offering a flexible comprehensive plan that's refreshingly free from faff.
The average insurance policy for a Toyota RAV4 is $105 a month. Compare 5+ policies and you could save.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
finder.com.au is one of Australia's leading comparison websites. We compare from a wide set of banks, insurers and product issuers. We value our editorial independence and follow editorial guidelines.
finder.com.au has access to track details from the product issuers listed on our sites. Although we provide information on the products offered by a wide range of issuers, we don't cover every available product or service.
Please note that the information published on our site should not be construed as personal advice and does not consider your personal needs and circumstances. While our site will provide you with factual information and general advice to help you make better decisions, it isn't a substitute for professional advice. You should consider whether the products or services featured on our site are appropriate for your needs. If you're unsure about anything, seek professional advice before you apply for any product or commit to any plan.
Products marked as 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money here.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labelling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan, we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
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