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To determine these average costs, we sourced over 190 quotes from 30+ policies using driver profiles across different ages and genders with a South Australian address. The pricing above reflects the average of these. Read more about Finder's car insurance methodology.
Remember, 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 and the amount of cover you need.
Be sure to read the product disclosure statement (PDS) to find cover that suits you.
Top pick for value: Youi comprehensive car insurance
What we like about Youi
Youi ranked number 1 in SA for value in our Finder Awards. It covers more than most insurers but typically costs less. For example, it's the only car insurance provider out of 32 to automatically include roadside assistance with its comprehensive policy and it also won the national 2023 Finder Car Insurance Award for best features.
It covers accidental damage, theft, towing costs and new car replacement if yours is written off within the first 2 years of it being registered.
It's one of the cheaper policies on the market. Youi comprehensive car insurance costs an average of $640 per year in SA. That makes it the fifth cheapest insurer out of the 32 we researched.
It only pays for the first 2 call-outs in a year. Standalone roadside assistance policies usually cover all call-outs.
We selected Youi as our top pick for value in SA because it came in first place when we filtered our awards data to look solely at quotes for South Australia. To determine the winner, we got 199 quotes across 32 different comprehensive car insurance policies based on multiple customer profiles. We then created a formula that scored policies based on features and value. The final score for our value winner was based on a 50:50 split of price and features.
Best for price: Bingle comprehensive car insurance
What we like about Bingle
Bingle consistently offers the cheapest comprehensive car insurance out of the 32 providers we researched. It had an average cost of $482 per year in South Australia. That's over $57 less per year than PD Insurance, the second cheapest insurer in SA.
It covers the essentials including fires, theft, floods and accidents, plus accidental damage to other people's cars and property.
If you're looking for lots of additional inclusions with your car insurance, look elsewhere. Bingle is cheap because it covers damage to your car and others but not much else.
We based our top pick for price on nearly 200 quotes for drivers in South Australia. The car model we used for all quotes was a 2018 Toyota Corolla Ascent 4 Door Sedan.
Bingle was the cheapest policy by $57. PD came second ($539) and ROLLiN' third ($653). We didn't consider any other features since the focus of this top pick is price.
Stuck on who to choose? These 3 providers were ranked as the top 3 comprehensive providers for best value in our 2023 Finder Awards when looking at South Australia.
Scores are based on our methodology. Your circumstances may differ.
Updated April 2023
Types of car insurance in SA
There are 4 types of car insurance available in South Australia.
CTP. The bare essentials. Everyone in SA is legally required to have compulsory third party insurance. If you injure someone on the road, CTP will pay for their medical care.
Third party. If you hit someone else's car or property while driving, third party insurance covers the damage. It won't pay to fix your car though.
Comprehensive. This is the only type of car insurance that covers damage to your own vehicle. Comprehensive also pays out for weather damage, vandalism, theft and more.
How to find cheaper car insurance in Adelaide and regional SA
Use online discounts
Lots of insurers offer a first-year discount simply by buying online. These can knock a lot off your first 12 months. Keep an eye on them increasing prices substantially the following year though (and switch if they do hike your prices up).
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.
Here's a really simple way to save money on your car insurance. Call your insurer and tell them you're considering leaving because of the price. Lots will offer to lower it. If they don't – that's not a big deal either because you probably can find a cheaper price elsewhere.
To determine these average costs, we sourced over 190 quotes from 30+ policies using driver profiles across different ages and genders with a South Australian address. The pricing above reflects the average of these. Read more about Finder's car insurance methodology.
Remember, 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 and the amount of cover you need.
Be sure to read the PDS to find cover that suits you.
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.
Frequently asked questions
The best car insurance in SA depends on your specific needs. To help you decide, we filtered our Finder Awards data to look solely at quotes we gathered for SA. Youi comprehensive car insurance came out on top for value. In addition to covering more than most, such as roadside assistance, it costs an average of $640 per year, making it the fifth cheapest insurer out of 32.
The cheapest comprehensive car insurance policy in SA is Bingle. According to our Finder Awards research, it costs an average of $482 per year.
Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, news.com.au, The Telegraph, Explore Travel and Escape. Gary holds a Kaplan Tier 1 General Insurance (General Advice) certification and a Kaplan Tier 1 Generic Knowledge certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
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