AAMI offers a good level of cover at a reasonable price. While some common benefits are missing, this is reflected in the cost of policies.
We collected 1,800+ quotes as part of our 2024 Finder Car Insurance Awards. Our cost research found that a comprehensive car insurance policy from AAMI costs $1,218 a year, on average. This is a cheaper car insurance premium than the industry average of $1,362. Keep in mind, the best car insurance for you may depend on more than price.
| Insurer | NSW | QLD | SA | TAS | VIC | WA | Australia average | Apply |
|---|---|---|---|---|---|---|---|---|
 | $1,884 | $1,106 | $1,015 | $985 | $1,318 | $1,002 | $1,218 | More info |
 | $1,148 | $941 | $978 | $829 | $1,180 | $880 | $992 | Get quote |
 | $1,640 | $1,307 | $1,087 | $1,155 | $1,599 | $1,363 | $1,359 | Get quote |
 | $2,027 | $1,154 | $1,038 | $1,004 | N/A | $1,034 | $1,043 | More info |
 | $935 | $872 | $724 | $726 | $1,156 | $761 | $862 | More info |
Remember, the cost of car insurance is influenced by a broad range of factors including age, location, vehicle, and driving history. Your quote will differ and the above should be used as a guide only.
About our car insurance methodology
| Brand | Overall satisfaction rating |
|---|---|
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★★★★★ 4.38/5 |
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★★★★★ 4.36/5 |
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★★★★★ 4.32/5 |
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★★★★★ 4.32/5 |
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★★★★★ 4.22/5 |
Jamie Wise's experience
Prior to signing up with AAMI, my comprehensive car insurance exceeded $1,000 annually. After a brief market comparison, I noticed AAMI offered the most competitive rate. The quote and policy acquisition process was simple and easy to navigate, and resulted in cost savings of almost $400 per year! I've been with AAMI for nearly five years now, and have only made one claim. It's important to note that the policy limits your choice of repair shops. This is a factor to consider when evaluating your insurance needs. However, AAMI offers a streamlined claims process, allowing you to file online or by phone. Their customer service team are really responsive and the claims experience was really smooth.— Jamie Wise, Finder crew member
AAMI received the following awards in the 2023 Customer Satisfaction Awards:
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Hi Diana,
If you’ve paid for a year’s worth of insurance, then you can look into canceling your policy with the insurer and get a refund. The insurer should just charge you for the month(s) you were with them, and then refund the rest.
As for the unused portion of your registration including CTP, depending on your state, the insurer will take off the remaining value of your unused registration and CTP insurance from your payout. You can recover your unutilized CTP from your CTP insurer and obtain a refund for your unused registration from your state’s Roads or Transport Authority.
Feel free to visit Finder’s guide for cars written off for more details.
I hope this helps.
Kind regards,
James
Do your company charge a admistration fee?
Hi Tjohn,
Thanks for getting in touch! Fees depend on the type of policy you have or will have with AAMI. There are no additional admin fees when you apply for car insurance. The premium that you receive is the total price. However, if you choose to pay by monthly installments it does cost more. It is approx 12-15 % more to pay monthly. If you’d like to get a quote with AAMI, you may visit their website and get an online quote. You can also reach out tot her chat service team for real-time assistance on your application.
Hope this helps and feel free to reach out to us again for further assistance.
Best,
Nikki
if car is damaged in the accident, the front end + has damaged the windscreen and I have compare cover but no windscreen cover do i pay extra or is it covered in the whole fix ?
Hi Pam,
Thank you for your question.
You have contacted finder.com.au, a comparison and information service and not actually an AAMI Car Insurance.
You will need to contact AAMI Car Insurance about this matter.
Cheers,
Zubair
hi i have a full comp car ins policy with aami and pay monthly , if i write the car off during that 12 months do i have to pay all off the 12 month cost of ins
Hi Niall,
Thanks for getting in touch. If you no longer have your car (in this case if it was written off) you would be able to cancel your policy.
Cheers,
Richard
HI,
If I get a 12 month cover for $700 and after one or two month, I want to cancel my insurance. How much cancellation fee would be charged?
Hi Ozman,
Thank you for your enquiry.
According to the PDS of AAMI Comprehensive Car Insurance, The amount of the cancellation fee is $30 (plus (if applicable) FSL plus GST plus stamp duty) for each car insured on the policy.
The cancellation fee is deducted from any refund that AAMI will send you. If the refund is less than the fee, a refund will not be issued and AAMI will not charge you an additional amount to cover the difference.
You may also try to get quotes from other car insurance providers featured on our website.
Kind regards,
Jason