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Compare car insurance for Queensland
The cost of car insurance in QLD will differ on your gender, type of vehicle you drive, the amount of cover you need, your driving experience and a heap of other factors. You can click, "Get Quote" to check what the different providers are quoting you for the policy.
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Top picks for Queensland
If you're looking for car insurance in Queensland, it's possible to find cover from just $721 per year. That's according to the latest Finder Awards research for 2023.
Find out which types of car insurance are most important and how to choose the right policy inclusions and add-ons.
Best value QLD: Budget Direct comprehensive car insurance
What we like about Budget Direct:
Budget Direct offers comparatively low pricing to Queenslanders. It costs $922 per year on average – which is cheaper than 28 other providers including NRMA, ahm and RACQ. Its annual premiums are $214 less than average in Queensland.
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 possessions 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.
More than a quarter (27%) of Australian motorists plan to drive less in the next 6 months, according to Finder research. Our awards data shows you can save around $200 per year in Queensland with a short-term insurance policy with the likes of KOBA and ROLLiN'. On the other hand, Budget Direct will give you more peace of mind about your insurance costs from month to month.
Best features QLD: Australia Post comprehensive car insurance
What we like about Australia Post:
Australia Post has a very strong comprehensive policy with heaps of features that can offer maximum peace of mind. For example, $1,000 in personal item cover is better than 19 other providers. And it offers no-excess windscreen repair included – great to meet the cost of one of the more common repairs you might face.
Australia Post also offers a comparatively generous new car replacement period of up to 3 years (or 60,000km) for new vehicles. Also, $30 million in legal liability cover is $10 million more than most offer.
When it comes to cost, Australia Post is $91 cheaper than Queensland's average of $1,136 per year. But, 7 other policies had lower pricing, according to our latest Finder Awards research. Cheaper brands included Bingle, Budget Direct and AAMI.
We used our 2023 Finder Awards data to work out our top picks for value and features. In total, we analysed 198 quotes from 33 comprehensive car insurance policies available in Queensland.
Budget Direct had the highest score for value, based on a weighted average score which looked at cost and policy benefits.
To determine the top pick for features, we looked at 16 features commonly covered by car insurance. Australia Post came out on top.
Who has the best car insurance for Queensland?
The most recent Finder Awards analysis placed Budget Direct first for value, while Australia Post was the top provider for policy features. Both providers offered good quality cover at a lower price than Queensland's average of $1,136 annually.
But keep in mind there's no one best car insurance in Queensland, as everyone's circumstances and needs differ. For example, actual costs differ based on where you live, your gender and the car you drive.
Price isn't everything. A number of factors influence what policy is right for you. Consider what you're willing to pay for a policy, but also the cover you'll actually need. Some of the extras you need to consider in a policy include roadside assistance, new car replacement, whether you can choose your own repairer and if agreed value is an option for you.
This is why it is so important to compare car insurance options that may be available to you.
Who has the cheapest car insurance in Queensland
Our 2023 Finder Awards found that KOBA, ROLLiN' and Bingle were the cheapest car insurance providers on average in Queensland. We sourced quotes from 33 car insurers and found these 3 to be most competitive on price.
Keep in mind, the actual cost of car insurance in QLD depends on many factors. Your age, claims history and annual mileage to name a few.
See the 5 cheapest insurers in Queensland according to the 2023 Finder Awards
*Be sure to read the PDS on the provider page before making a decision.
Inflation might be starting to ease, but unfortunately we're yet to see that reflected in lower insurance premiums. That's why comparing deals is so important. Finder Awards research shows there's a difference of $201 between the 5 cheapest insurance policies in Queensland. So, a little effort spent looking at your options really could save you hundreds of bucks.
The Queensland Government has a car registration estimator that can help you find out how much it will cost for QLD car rego.
We ran quotes* for 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
$1,108.35
$1,408.35
$1,708.35
$2,008.35
Renewing
$775.55
$775.55
$775.55
$775.55
*These annual quotes were based on new and existing registrations with CTP insurance included. Correct as of 19 April 2023.
Compulsory third party insurance in QLD
CTP insurance, or compulsory third party (CTP) insurance, is a mandatory form of car insurance for all motor vehicles in Queensland. It covers the cost of compensation if you cause injury or the death of someone in an accident. It can meet the cost of another person's medical expenses, lost income and expenses related to their injuries.
MAIC offers a premium calculator tool to simplify the process of comparing the 4 CTP insurance providers in Queensland: QBE, Allianz, RACQ and Suncorp. It's a good idea to compare any add-ons and extras as well as reviewing costs.
Here are 3 key things you should understand about CTP insurance in Queensland:
The cost of CTP insurance is regulated by the Motor Accident Insurance Commission (MAIC). You can pay for CTP cover that's included in your registration. Or, you can get it directly from a small handful of CTP providers in Queensland.
Queensland uses an at-fault CTP scheme. Essentially, the injured party can make a CTP insurance claim against the provider of the driver who was deemed at-fault. The claim process involves submitting an application to the CTP insurer, along with evidence of the injury and details of the accident.
CTP insurance won't cover any damages to your car, other people's cars or property or fire or theft. Comprehensive insurance can help with all of these situations and is the strongest form of coverage you can get.
What's included in car insurance in QLD?
Car insurance benefits
CTP/Green Slip
Third party property damage
Third party fire and theft
Comprehensive
Damage to your own vehicle
No
No
No
Yes
Damage to someone else's vehicle (third party property)
No
Yes (for example, up to $20 million)
Yes (for example, up to $20 million)
Yes (for example, up to $20 million)
Weather events (storm, flood, hail)
No
No
No
Yes
Theft
No
No
Yes
Yes
Hire car after theft
No
Sometimes optional
Sometimes optional
Yes (for example, $70 per day for 14 days)
Fire
No
No
Yes
Yes
Personal effects
No
No
No
Yes (for example, up to $1,000)
Emergency transport/accommodation
No
No
No
Yes (for example, $100 per day, $900 in total)
Towing
No
Sometimes optional
Sometimes optional
Yes
Key replacement
No
No
No
Yes (for example, up to $1,000)
Death benefit
No
Yes
Yes
Yes
Legal liability for injuries or death to other people
Yes
No
No
No
Why you can trust Finder's car insurance experts
We're free
You pay the same as buying directly from the car insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
We're experts
Our team of car insurance experts have researched and rated dozens of policies as part of our Finder Awards and published 330+ guides to make it easier for you to compare.
We're independent
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of car insurance brands, making it easier for you to find a good deal.
We're here to help
Since 2014, we've helped 300,000+ people find car insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.
James Martin is the insurance editor at Finder. He has written on a range of insurance and finance topics for over 7 years. James often shares his insurance expertise as a media spokesperson and has appeared on Prime 7 News, WIN News, Insurance News, 7NEWS and The Guardian. He holds a Tier 1 General Insurance (General Advice) certification and a Tier 1 Generic Knowledge certification, both of which meet the requirements of ASIC Regulatory Guide 146 (RG146).
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?
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.
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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