Car Insurance SA

We've analysed quotes from 35+ car insurance companies and found the 3 cheapest providers in South Australia.

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Car insurance in South Australia can protect you and your wallet from freak storms, runaway shopping trolleys and uninsured drivers.

Unlike CTP insurance, the other types of car insurance are not compulsory but can certainly help if you cause a crash where your costs can add up.

Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Coles Comprehensive
Optional
Agreed or Market
Finder's summary: With Coles comprehensive car insurance, you could earn double flybuys points at Coles supermarkets and you can get $10 off your Coles grocery bill every time you redeem 2,000 Flybuys points. If your car is damaged, you could benefit from a one-week turnaround on repairs.

⭐ Current offer: Get 10% off your first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: Coles customers and Flybuys collectors.
Australia Post Comprehensive
Optional
Agreed or Market
Finder's summary: Australia Post car insurance offers comprehensive cover for things like theft, fire, new for old replacement and emergency accommodation and transport. Cover also extends to anyone who uses your car, not just you.

⭐ Current offer: Get $75 online discount + $100 gift card when you purchase by 11 July 2021. T&Cs apply.

Who it might be good for: If multiple people use the one car and you don’t want to worry about listing all drivers.
Virgin Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Finalists for the 2019 Finder Awards for Best Value Car Insurance, Virgin Comprehensive provides a good level of cover for a decent price.

⭐ Current offer: Get 15% off on your first year’s premium when you purchase a new eligible comprehensive car insurance online. T&Cs apply.

Who it might be good for: People who'd like to manage their policy online 24/7.
Budget Direct Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Awarded the 2019 Finder Award for the Best Value Car Insurance, this policy offers solid coverage at a low cost. Budget Direct's claims service has received a 4.2/5 based on nearly 5,000 customer reviews.

⭐ Current offer: Get 15% discount on first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: People who want a comprehensive policy without breaking the bank.
Bingle Comprehensive
Market
Finder's summary:Bingle consistently comes up as one of the cheaper insurers out there. It only covers the basics. You don't get to choose your own repairer, you're not covered for personal items in the car and unless you add it as an option, you won't get a hire car if your car is stolen. But this keeps its premiums low.

Who it might be good for: Someone who wants a low-cost option that covers them for the basics.
Qantas Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: You'll be able to choose how comprehensive you want your cover to be with optional extras like choice of repairer and the option of agreed or market value.

⭐ Current offer: Earn Qantas Points for joining and paying your premium. Sign up today and earn up to 20,000 Qantas Points (points awarded will be based on your premium). T&Cs and eligibility apply.

Who it might be good for: People who'd like to earn Qantas Points.
Stella Comprehensive
Optional
Agreed or Market
Finder's summary: Stella’s a female-focused insurer. It'll cover you if your car is damaged as a result of domestic violence. It offers higher cover for baby gear than most, with up to $2,000 cover for prams, strollers and child seats.

⭐ Current offer: Get $50 cash back when you purchase online until 30 June 2021 using the code STELLA50. T&C apply.

Who it might be good for: Someone who wants a female-centred car insurance policy (it will cover men too).
Poncho Comprehensive
Agreed
Finder's summary: Poncho works like a monthly subscription – you pay monthly and can cancel and leave at any time. You can also list multiple cars and drivers under one policy, making it ideal for families and groups living together under one household.

Who it might be good for: People who want their car insurance month to month.
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Compare up to 4 providers

Stuck on who to choose? The 3 most popular car insurers for South Australians on Finder are:
1. Bingle
2. Budget Direct
3. Youi
Based on clicks to active policies on this page from October 2019 - March 2020

Who has the cheapest car insurance in South Australia?

  • South Australia has relatively average car insurance prices compared to the rest of the country. It's cheaper than some states, but more expensive than others.

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.

Here are the 3 cheapest insurers in South Australia according to our criteria

BrandPriceApply
Bingle$583.41Get quote
Budget Direct$617.33Get quote
Virgin Money$644.22Get 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.

  • Stamp duty: Different financial services, including car insurance, are taxed at different levels around Australia. This is known as stamp duty, and for car insurance in SA, it’s set at 11% of the premiums which is typically added to the cost.

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.

What types of car insurance can I get in SA?

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 propertyThird party property, fire and theftComprehensive
Personal liabilityYesYesYes
Protection for your carNoCover for fire damage and theftComprehensive protection from many forms of damage
  • Personal liability: Personal liability expenses are the consequence of damaging someone else’s property, such as a house or car, in the course of an accident. This is covered by all three types of car insurance except CTP.
  • Protection for your car: You’ll get a different level of protection for your car depending on your policy type. Personal liability expenses are covered by all three policy types. Two of the policies, third party property with fire and theft protection and comprehensive, will also cover specific types of damage or loss to your vehicle.

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:

How to find cheaper car insurance in Adelaide and regional SA

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.

  • Use online discounts: You can find considerable car insurance discounts simply by buying online.
  • Consider pay as you drive car insurance: If you don't drive that far each year, you might want to look into Pay As You Drive car insurance. This could be especially useful if you're in Adelaide and generally don't need to travel far.
  • Raise your excess: A higher car insurance excess can significantly reduce your premiums. As long as it's still affordable, you may want to raise your excess.
  • Select your options: There are a range of different policy options, and you may be able to opt in or out of them in order to save on cover. Automatically included options such as excess free windscreen replacements, can be useful, but you may not want to be paying for car insurance extras that you don't want.
  • Keep shopping around: Does it seem like you're paying too much for car insurance in South Australia? You might be. It can be worth shopping around and switching car insurance at renewal time if there's better value for money elsewhere.

Southern Australia car theft statistics

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.

The top 5 South Australian cities for car theft were

  1. Salisbury (369)
  2. Playford (281)
  3. Port Adelaide Enfield (277)
  1. Charles Sturt (213)
  2. Onkaparinga (199)

Most stolen cars in South Australia

Thieves in South Australia seem to have a liking for Commodores. The top five most stolen cars were all Holden sedans.

  1. Holden Commodore VE 2006-2013
  2. Holden Commodore VY 2002-2004
  3. Holden Commodore VT 1997-2000
  1. Holden Commodore VX 2000-2002
  2. Holden Commodore VZ 2004-2006

Criminals most targeted cars in the $0 to $5,000 price band, with only 1% of thefts valued over $50,000.

Worst times of day for vehicle thefts

Statistics show thieves were most active on Fridays between 16:00 - 19:59, a problem time across the country.

What car insurers can I access in SA?

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:

Australia Post

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.

QBE

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.

Budget Direct

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.

Youi

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.

Woolworths

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

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.


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