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Car Insurance Tasmania

The number of drivers in Tassie is increasing faster than anywhere else in the country. Car insurance can protect your vehicle from the increased risk that comes along with it.

Updated

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When you’re insured, you’re protected from those unpredictable moments no matter who’s at fault. That kid who’s going around keying cars? The sudden hailstorm? The roo who jumps out in front of your car? Car insurance is that best mate that helps you out - day and night.

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

Compare comprehensive policies from Australian brands

Comparing car insurance will not only make sure that you get the right product but will also help you get the best price.

Comprehensive car insurance is the only policy type that offers real, proper cover for your car.
Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Budget Direct Comprehensive
Optional
Optional
Agreed or Market
Our 2019 Finder Award winner for Best Value Car Insurance.
Qantas Comprehensive
Optional
Optional
Agreed or Market
Earn up to 20,000 Qantas Points when you sign up. Points awarded will be based on your premium. T&Cs apply.
Youi Comprehensive
Optional
Agreed or Market
Emergency roadside assistance included in Comprehensive policies.
Stella Comprehensive
Optional
Agreed
Coles Comprehensive
Optional
Agreed or Market
Save 10% when you buy online + collect double flybuys points at Coles Supermarkets. T&Cs apply.
Virgin Comprehensive
Optional
Optional
Agreed
Grab a $100 e-Gift card when you purchase a new eligible Virgin Car Insurance policy by 30 September 2020. You’ll also save 15%. T&C's Apply.
Poncho Comprehensive
Agreed
Temporary 30% reduction in your premium to help ease COVID pressure.
Real Comprehensive
Optional
Agreed
Save up to 10% when you buy online.
Kogan Comprehensive
Optional
Agreed
Save up to 10% when you buy online + $50 Kogan.com Credit.
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Third party fire and theft will cover you if your car is stolen or is damaged by fire. You'll also be covered for third party damages if you smash into someone else's car or property.
Name Product Fire and Theft Roadside Assistance Personal Effects Accidental Damage Choice of Repairer
Budget Direct Third Party Fire and Theft
Optional
$0
Save 15% on your first year's premium when you purchase a new policy online. T&Cs apply.
Qantas Third Party Property, Fire and Theft
Optional
$0
Earn Qantas Points when you sign up. T&Cs apply.
Youi Third Party Fire and Theft
$750
Optional
Emergency roadside assistance included in Comprehensive policies.
Coles Third Party Fire and Theft
Optional
$0
Save 10% when you buy online. T&Cs apply.
Virgin Third Party Fire and Theft
Optional
$0
Grab a $100 e-Gift card when you purchase a new eligible Virgin Car Insurance policy by 30 September 2020. T&C's Apply.
Real Third Party Fire and Theft
Optional
$500
Save up to 10% when you buy online.
Kogan Third Party Property, Fire & Theft
Optional
$500
Save up to 10% when you buy online.
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This is generally the cheapest car insurance type, but will only cover third party damages if you smash into someone else's car or property.
Name Product Damage to your Car Damage to Other People's Car Pay Monthly At No Extra Cost Legal Liability
Budget Direct Third Party Property Damage
$20,000,000
Save 15% on your first year's premium when you purchase a new policy online. T&Cs apply.
Qantas Third Party Property Only
$20,000,000
Earn Qantas Points when you sign up. T&Cs apply.
Youi Third Party Property Damage
$20,000,000
Emergency roadside assistance included in Comprehensive policies.
Coles Third Party Property Damage
$20,000,000
Save 10% when you buy online. T&Cs apply.
Virgin Third Party Property Damage
$20,000,000
Grab a $100 e-Gift card when you purchase a new eligible Virgin Car Insurance policy by 30 September 2020. T&C's Apply.
Real Third Party Property Damage
$20,000,000
Save up to 10% when you buy online.
Kogan Third Party Property Damage
$20,000,000
Save up to 10% when you buy online.
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What types of car insurance can I get in Tasmania?

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 what the other types of car insurance are for.

The right policy for you is one that finds a balance between cost and protection.

Third party propertyThird party property, fire and theftComprehensive
Personal liabilityYesYesYes
Protection for your carNoCover for fire damage and theft onlyComprehensive protection from many forms of damage
  • Personal liability: Personal liability expenses are the result of damaging someone else’s property, such as a house or car, in the course of an accident. Every type of car insurance, except CTP, typically covers this.
  • Protection for your car: Depending on your policy type, you’ll get a different type of protection for your car. Personal liability expenses are covered by all policy types, car theft and fire damage are covered only by two of the three policy types, and only comprehensive car insurance provides cover for a wide range of damage, including storms, flooding and more.

Tasmania car theft statistics

According to the National Motor Vehicle Theft Reduction Council (NMVTRC), Tasmania in 2017 had 8.3% more car thefts than 2016. The total of cars stolen was 1,298. Looking back to 2013, Tasmania has had a steadily increasing problem with car crime.

85.6% of vehicles stolen were Passenger/light commercial vehicles. 9.4% were motorcycles.

Worst locations in Tasmania for motor vehicle theft

The Tasmanian places where thieves were most active are:

  1. Launceston (341)
  2. Glenorchy (233 - had a 23.9% increase over 2016)
  3. Clarence (150)
  4. Hobart (143)
  5. Brighton Municipality (83)

When are thefts most likely to happen?

Tasmanian thieves appeared to operate mostly on Friday evenings between 20:00 and 23:59. Also, Sunday evenings during the same time period experienced a lot of thefts.

Tasmania top 5 most stolen vehicles

Tasmanian crooks generally favoured cars produced in the 1990s. The top five most stolen models were:

  1. The Nissan Pulsar N15 - 1995-2000 model years
  2. The Toyota Hilux - 1998 to 2004 model year
  3. Ford Courier PD - 1996-1999 production years
  4. Nissan Patrol GQ - 1988 - 1997
  5. Nissan Patrol GY - From 1997 onwards

Two-thirds of thefts typically fell into the $0-$5,000 price band. After that, 18% were in the $5,000 to $10,000 price range.

Who has the cheapest car insurance in Tasmania

The cost of car insurance in Tasmania is based on the same factors as in the rest of the country. The more likely you are to make a claim, the higher your premiums will be, which includes consideration of factors such as age, driving record and what type of car you have.

  • Tasmania has some of the lowest average car insurance prices in Australia

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 Tasmania for 4 personas . For full methodology on our Finder Awards 2019, head here.

Here are the 3 cheapest insurers in Tasmania according to our criteria

BrandPriceApply
Budget Direct$568.74Get quote
Virgin Money$593.06Get quote
Bingle$597.76More info

*Always check the PDS on the provider page before making a decision.


Rounded average annual cost of comprehensive car insurance, for recent model cars, in Tasmania

StateAverage Monthly Cost
Tasmania$127.51
Victoria$161.86
Queensland$113.68
South Australia$118.39
Western Australia$107.25
New South Wales$160.54
Average$132.34
  • Stamp duty: Different financial services, including car insurance, are taxed at different levels around Australia. In Tasmania, the stamp duty tax is 10% of premiums paid. This is typically added to the cost.

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