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If you cause a crash, your costs can add up - especially if you’re the unlucky one who totals a Bentley. Car insurance can also protect you and your wallet from freak storms, runaway shopping trolleys and uninsured drivers.
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The more likely you are to make a claim, the more expensive your car insurance premiums will be. This is affected by factors such as age, driving record, what type of car you have and many others.
It's also affected by your location. For example, car insurance might be more expensive in Adelaide than regional areas, because more cars on the road can increase the chance of accidents. Insurers will typically ask for your South Australia postcode.
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 South Australia for 4 personas . For full methodology on our Finder Awards 2019, head here.
Brand | Price | Apply |
---|---|---|
![]() | $583.41 | Get quote |
![]() | $617.33 | Get quote |
![]() | $644.22 | Get quote |
Your cost will differ depending on your circumstances. Some things that can affect the cost of your quote include your gender, the type of car you drive, the colour of the car, how long you have been driving, the amount of cover you need, plus more. Be sure to read the PDS to find cover that suits you.
All states have some dangerous drivers, and South Australia is relatively standard, with fewer drivers engaging in dangerous behaviour while driving than in WA or VIC, but slightly more than in NSW or QLD.
CTP insurance covers you against medical costs in the event of a car accident, but will not pay for property damage or other expenses you are liable for. This is why you need other types of car insurance.
The best car insurance in SA, or anywhere else, is the one which strikes the perfect balance between price and protection. For some, that might just be the cheapest car insurance, with a third party property policy. For others, it's going to be comprehensive car insurance.
Third party property | Third party property, fire and theft | Comprehensive | |
---|---|---|---|
Personal liability | Yes | Yes | Yes |
Protection for your car | No | Cover for fire damage and theft | Comprehensive protection from many forms of damage |
A good starting point for picking car insurance is to get an understanding of how your situation shapes your car insurance needs.
Are you a:
Your car insurance premiums are determined by the risk factors covered by your policy. This means you might find very different premiums with different cover types in Adelaide, and in country areas.
For example, a heavier and more powerful car might be more likely to cause extensive property damage than a smaller vehicle. If you live in an affluent part of Adelaide that tends to have more valuable cars on the road, a more powerful engine in your own car may increase premiums disproportionately, compared to how much it would raise costs for someone who lives in regional SA.
This is just one example of how your location and your cover might combine to influence your premiums. Different insurers might consider these factors in different ways, so you might find much higher or lower premiums with some insurers than other, depending on how these factors are considered.
If you're looking for cheaper car insurance, it can help to bear this in mind and shop around, as well as take advantage of other ways to save money on car insurance.
According to the National Motor Vehicle Theft Reduction Council (NMVTRC), Southern Australia experienced a 14.1% decrease in car theft in 2017. With a total of 2,942 cars stolen, SA claimed 5.6% of national thefts. 69.3% of stolen cars were later recovered.
Thieves in South Australia seem to have a liking for Commodores. The top five most stolen cars were all Holden sedans.
Criminals most targeted cars in the $0 to $5,000 price band, with only 1% of thefts valued over $50,000.
Statistics show thieves were most active on Fridays between 16:00 - 19:59, a problem time across the country.
You can use the finder.com.au car insurance panel to compare car insurance in SA, with options from some of the top providers, including the following:
Balance affordability and cover by finding policies with built-in extras to suit your needs, such as rental vehicle hire following theft if you opt for fire and theft cover. Restricted driver discounts are available with all policies while others are only with comprehensive insurance.
Australia Post is worth considering if you’re looking for a way to get more options without needing a higher level of cover, or if you want the advantages offered by Australia Post Gold Comprehensive car insurance.
With options like excess-free windscreen and glass protection, a protected no-claims bonus you can retain in the event of an accident, cover for personal effects kept in the car and the ability to choose your own repairer with any policy, QBE car insurance is largely geared towards usability and not just peace of mind.
QBE is one of Western Australia’s state CTP insurers, but its liability and damage cover could be a good option for people who want to get more use out of their policy.
One of the key ways an insurer can keep costs down is by only insuring safer drivers since the amount an insurer expects to pay in claims will impact the prices they can offer. Budget Direct takes advantage of this by maintaining eligibility requirements and only insuring safer drivers. By reducing their costs this way, Budget Direct can pass the savings to you.
If you think you qualify as a safe driver, or simply want the freedom to opt out of various unwanted extras, Budget Direct car insurance may be right for you.
Affordable, meaningful customisation that makes a real difference to your cover can sometimes be difficult to find. Youi strives to make it easier, and to make tailoring a more natural part of the process, by integrating customization into policy selection.
If you know you’ll want to choose extras for more protection or drop extras to keep costs down, it is worth looking at Youi car insurance when comparing options.
Get price matching with Woolworths comprehensive car insurance policies. All you need to do is provide a written quote from a competitor, for equivalent comprehensive cover, and Woolworths will see if it can be beat. Additional benefits and other discounts are also available alongside a range of effective, flexible policies.
If you think you’ll be hunting discounts and are willing to actively manage your policy to earn bonuses and rewards, Woolworths car insurance might be a good choice.
Virgin Money offers standard personal liability, fire and theft policies, as well as two different types of comprehensive car insurance. The cheaper comprehensive policy is a honed comprehensive car insurance policy that does away with unwanted extras, while the other is a high-level comprehensive car insurance policy that costs more, but delivers more benefits.
For more policy options, including a more basic comprehensive policy, it’s worth considering Virgin Money.
Drivers don't just face extra fines. They're also at risk of increased insurance premiums and license suspensions.
Read more…A Budget Direct study reveals what makes drivers angry and shares tips on how to stay cool.
Read more…Severe hailstorms are forecast for the east coast of Australia this week and car-owners are being warned of potential damage.
Read more…Andrew Munro is the cryptocurrency editor at Finder. He was initially writing about insurance, when he accidentally fell in love with digital currency and distributed ledger technology (aka “the blockchain”). Andrew has a Bachelor of Arts from the University of New South Wales, and has written guides about everything from industrial pigments to cosmetic surgery.
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