Best car insurance QLD
We compared 32 car insurance providers in Queensland and narrowed it down to the top 2. Here’s our pick of the bunch.
Key takeaways
- While drivers have their pick of Queensland-specific insurers, they may not be the cheapest offer on the market.
- We've rounded up some of the top comprehensive car insurance policies for QLD drivers, based on value, cost and features.
- The cost of your car insurance policy depends on a few factors, like the type of car you drive, your age, your address and the type of policy you purchase.
Whether it's your first time shopping around on car insurance or you're looking for a better deal, we can help you find the right policy for your circumstances. First up, let's refresh some important facts about car insurance in Queensland:
- 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!
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Best car insurance Queensland
There are a few ways to break down what the best car insurance looks like for Queenslanders. We'll start by looking at a few comprehensive car insurance policies. If you're after third party policies, that's further below.
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.
"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!"
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.
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How we picked theseThese quotes are accurate as of March 2026
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i have AMC Jeep CJ7 1980 modified with new engine and transmission. The car has full engineering sign off for the mods and is of show car standard, full rebuild complete.
Who would cover to agreed value, the few like budget direct do not.
Hi Robert, Check out our guide to classic car insurance to see which providers offer this kind of specialised cover. For an agreed value policy, you may well need an independent valuation.
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