Best car insurance QLD

Whether you're buying car insurance for the first time or looking for a better deal, we can help. We've analysed dozens of policies to help you find the right cover for your circumstances in the Sunshine State.

• Your compulsory third party insurance is included in your registration. If your car is registered, then you already have CTP. If your car is unregistered, you will need to purchase CTP before you can register it. Read more about purchasing CTP in Queensland.
• CTP is the only compulsory form of car insurance you need in Queensland. For extra protection, you can buy third party property damage, third party fire & theft or comprehensive car insurance. In this guide, we looked specifically at insurance for Queenslanders.
• Queensland-specific insurers, such as RACQ, aren't always cheaper or better than those who cover all of Australia. We'd suggest looking at at least 3-5 other car insurance providers to understand what's out there. We can help you with that!

Our picks for the best comprehensive car insurance in QLD

We assessed comprehensive policies from 32 providers to find our top picks for Queensland drivers. Our selections are based on a combination of value for money, policy features and any available discounts.

Top comprehensive car insurance policies for Queenslanders

To find our top policies, we've assessed policies by:

Value: This looks at policies with great value for money. These policies have thorough coverage with generous benefit limits but remain well priced.

Features: This looks at policies with all the bells and whistles. It's for those who care more about what the policy can offer, and have more room in the budget for a higher coverage policy.

Best for value

9.5 Excellent Budget Direct Comprehensive Finder Award

9.5 Excellent

Standalone

Agreed or Market

Discount: Receive 15% off your first year's premium when you purchase cover online. T&Cs apply.

Get Quote View details Compare product selection Compare

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Why we like it Budget Direct Comprehensive Car Insurance received a 2026 Finder Award for Best Value Car Insurance. The policy is jam-packed with coverage, features flexible excess options and an online sign-up discount. Its comprehensive insurance offers a lot of the same features as more expensive policies. As well as covering damages to your vehicle, it covers $500 for your personal items if they're stolen from your vehicle – it pays a further $500 in cover for baby seats. It also offers new car replacement if yours is written off within the first 2 years. Pros & cons Pros Budget Direct's comprehensive car insurance policy received two 2026 Finder Awards for value and cost, as it provides a similar level of cover to other insurers but at a lower price. You get access to its hail alert service, Hail Hero. Cons It's legal liability limit is $20,000,000 while some other insurers offer higher limits at $30,000,000. Budget Direct's comprehensive policy covers personal effects Up to $500 while other insurers cover higher

Best for features

9.2 Excellent Youi Comprehensive Finder Award

9.2 Excellent

Agreed or Market

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Why we like it Youi Comprehensive Car Insurance was awarded the 2026 Finder Award for Best Features Car Insurance. The policy automatically includes roadside assistance and offers competitive cover limits. Pros & cons Pros Youi's comprehensive policy automatically includes roadside assistance. This is typically an optional extra for other car insurers, costing an additional $100 annually. Our research found that Australians rated it as the best insurer for customer satisfaction. This was based on things like customer service, features and benefits, ease of application and value for money. Cons You'll have to speak with someone over the phone to buy a policy whereas other insurers offer an all online quoting and application portal. Youi only covers the first 2 call-outs in a year, whereas standalone roadside assistance policies typically cover all call-outs. There are currently no sign-up discounts. Other insurers offer up to 15% off for new policies/customers.

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"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 crew member and QLD local

How much is car insurance in QLD?

The price you pay for car insurance in Queensland depends on your personal circumstances, the car you drive and the level of cover you choose. However, our research can give you a general idea of what to expect.

On average, Queensland drivers pay $1,686 per year for a comprehensive policy. For more basic cover, a third party property damage policy costs an average of $506, while a third party fire and theft policy costs around $535.

Several key factors will influence your final quote:

• Your car. The make, model and age of your car are significant factors.
• Your address. Where you live and park your car in Queensland can affect your premium, with higher-risk postcodes costing more.
• Your age and driving history. Younger, less experienced drivers typically face higher premiums.
• Your chosen excess. Opting for a higher excess can lower your premium, but you'll pay more if you need to make a claim.

Third party car insurance in QLD

CTP insurance in Queensland

Compulsory third party (CTP) insurance provides cover for personal injuries that were caused by motor accidents and is mandatory in Queensland. It's governed by the Motor Accident Insurance (MAI) scheme and can be purchased via private insurers including Suncorp, Allianz and QBE. In Queensland, CTP is included in your registration — if your car is registered then you already have CTP. If your car is unregistered, then you'll need to purchase CTP before you can register it.

Cost of CTP insurance in QLD

The cost of CTP insurance in QLD is set by the Motor Accident Insurance Commission (MAIC) and distributed through private insurers. We tried to source online quotes from Suncorp, Allianz & QBE. Only Suncorp and Allianz returned a quote online; $409.80 and $404.80 respectively for 12 months of CTP cover. This is accurate as of March 2026. Your own cost will differ based on the type of vehicle you drive and your eligibility for some rebates.

So that covers off CTP. Next up, you need to decide if you want additional cover.

If you don't need comprehensive cover then third party property damage and third party fire and theft cover are both excellent budget-friendly options.

What's included in third party car insurance?

Third party, fire and theft car insurance

This level of car insurance covers costs if you damage someone else's vehicle or property and can pay to repair or replace your car if it's damaged by fire or stolen. However, it doesn't cover you for damage to your own car due to an accident, storm or flood.

Third party property car insurance

This level of car insurance only covers you for costs if you damage someone else's vehicle or property. It won't cover repair costs for your car.

Third party car insurance costs

We sourced over 40 quotes across more than 30 car insurance products in Queensland. To keep things clear, we've split quotes into two categories: third party only and third party, fire & theft. Remember, these quotes are based on a fictional driver and your own quote will differ. To see how we got these quotes, read our car insurance methodology.

15 of 36 results

Updated regularly

Annual cost for third party property only
Promoted Youi Third Party Property Damage	$349.60	Get QuoteView details Compare product selection Compare	loading
Promoted Bingle Third Party Property Damage	$242.20	Get QuoteView details Compare product selection Compare	loading
Promoted Budget Direct Third Party Property Only	$345.50	Get QuoteView details Compare product selection Compare	loading
QBE Third Party Property Damage	$690.97	Get QuoteView details Compare product selection Compare	loading
Qantas Third Party Property Only	$368.34	Get QuoteView details Compare product selection Compare	loading
Coles Third Party Property Only Insurance	$328.17	Get QuoteView details Compare product selection Compare	loading
Kogan Third Party Property Damage	$454.14	Get QuoteView details Compare product selection Compare	loading
Australian Seniors Third Party Property Damage	$605.52	Get QuoteView details Compare product selection Compare	loading
Huddle Third Party Property Damage	$832	Get QuoteView details Compare product selection Compare	loading
National Seniors Third Party Property Damage	$494	ContinueView details Compare product selection Compare	loading
CBA Third Party Property Damage	$501.05	ContinueView details Compare product selection Compare	loading
ANZ Third Party Property Damage	$372.57	ContinueView details Compare product selection Compare	loading
BankSA Third Party Property Damage	$578.23	ContinueView details Compare product selection Compare	loading
Real Third Party Property Damage	$615.70	ContinueView details Compare product selection Compare	loading
RACQ Third Party Liability	$414.53	ContinueView details Compare product selection Compare	loading

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How we picked these

6 of 6 results

Updated regularly

Annual cost for third party fire & theft
Promoted Youi Third Party Fire and Theft	$497.11	Get QuoteView details Compare product selection Compare	loading
Bendigo Bank Third Party Fire and Theft	$525.96	ContinueView details Compare product selection Compare	loading
ANZ Third Party Fire and Theft	$428.62	ContinueView details Compare product selection Compare	loading
NRMA Third Party Fire & Theft Most Loved	$585.31	ContinueView details Compare product selection Compare	loading
People First Bank Third Party Fire And Theft	$528.19	ContinueView details Compare product selection Compare	loading
Suncorp Third Party Fire & Theft	$646.24	ContinueView details Compare product selection Compare	loading

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Showing 6 of 6 results

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How we picked these

_{These quotes are accurate as of March 2026}

• How we got these quotes

  *Quotes were sourced on the following profile:

  • 30 years old, 5+ years licensed
  • Male
  • No finance
  • Private use of car
  • Adjusted excess to $850 where possible
  • Car is parked in a locked garage
  • Exclude drivers under 25

  • No additional driver
  • Start date of policy 31 March 2026
  • No discounts, no memberships, no add-ons
  • Drives 15,000km per year
  • Located in QLD, 4005
  • 2020 Toyota Corolla Ascent Sport 4dr Automatic

How can you find cheaper car insurance in QLD?

While insurance costs are rising, there are still ways to get a better deal on your policy in Queensland.

• Compare multiple quotes. Don't assume a Queensland-specific insurer like RACQ will be cheapest. Our research consistently shows that getting quotes from at least 3-5 different national providers can lead to significant savings.
• Increase your excess. Agreeing to pay a higher excess in the event of a claim can reduce your annual premium. Just make sure you can afford the excess amount if you need it.
• Pay annually. Insurers often add a surcharge for paying your premium in monthly instalments. Paying for the year upfront can save you money.
• Look for online discounts. Many insurers, including Budget Direct, offer a discount of up to 15% for policies purchased online.
• Restrict drivers. If you can exclude drivers under a certain age (e.g., 25) from your policy, you may receive a lower premium.

FAQs

• How much is insurance for a car in QLD?

  The average cost of car insurance in QLD is $1,686 for a comprehensive policy. A third party property damage policy costs $506 on average with a fire & theft policy costing an average of $535. To understand how we got these costs, read our car insurance methodology.

• Who has the cheapest car insurance in Queensland?

  Our research shows that Bingle has the cheapest comprehensive & third party property damage car insurance in Queensland, and ANZ has the cheapest third party fire & theft policy in Queensland.
  Keep in mind, these quotes are based on a fictional profile and your own will differ.

• Does NRMA offer CTP insurance for Queensland drivers?

  Not anymore. NRMA used to offer CTP for Queenslanders but no longer does.

• Does RACQ offer CTP insurance for Queensland drivers?

  Not any more. RACQ stopped selling CTP policies from October 2023. However, if your current CTP policy is with RACQ then you will continue to be covered for this up until that policy expires.

• What car insurance do I need in QLD?

  In QLD, Compulsory Third Party (CTP) insurance is mandatory. Many drivers also opt for comprehensive or third-party property insurance for extra protection.

• Why is Bingle so cheap?

  Bingle keeps premiums low by operating online-only rather than having expensive bricks and mortar premises to interact with customers. They also offer limited extras, focusing on essential coverage to cut down costs.

To make sure you get accurate and helpful information, this guide has been edited by Jason Loewenthal as part of our fact-checking process.

Written by

Peta Taylor

Publisher of Insurance

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Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio