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AAMI vs NRMA Car Insurance

A side by side comparison of AAMI and NRMA car insurance including expert analysis of pricing, features, complaints and reviews.

AAMI and NRMA are two of Australia's most popular car insurers. They're relatively similar in price according to our research and cover but one may more suited to you than the other depending on where you live.

AAMI vs NRMA — compare key features

We've compared the basic comprehensive car insurance policies on offer from AAMI car insurance and NRMA car insurance. See further below for other types of car insurance offered by these providers.

AAMI Comprehensive Car Insurance image
AAMI Comprehensive Car Insurance
NRMA Comprehensive image
NRMA Comprehensive
Underwriter AAI Limited Insurance Australia Limited
Accidental Damage
Damage to other people's car

Bonuses $50 online discount No
Roadside assistance Optional
Optional
Agreed or market value Agreed or Market
Agreed or Market
Choice of repairer Optional
Legal liability Yes - $20,000,000 Yes - $20,000,000
Fire and theft
Storm
Flood
Hire car after theft
Reasonable costs - Up to 21 days

Up to $75 per day - Up to 21 days
Hire car after no fault accident Optional

Up to $90 per day
Optional
Up to $75 per day - Up to 14 days
Hire car after at fault accident
Limit not disclosed

Limit not disclosed
Emergency repairs
Up to $1,000

Up to $800
Emergency travel and accommodation costs
Up to $1,000

Up to $1,000
New car replacement
If your car is written off or stolen in the first 2 years

If your car is written off in the first 2 years
Personal effects/property
Up to $1,000

Up to $500
Locks and keys replacement

Up to $1,000
Towing
Trailer cover
Up to $1,000

Up to $1,000
Important Limits, exclusions and terms and conditions apply. Read the Product Disclosure Statement. Limits, exclusions and terms and conditions apply. Read the Product Disclosure Statement.
More info More info

AAMI vs NRMA car insurance prices compared

As part of our 2024 Finder car insurance awards, we collected over 1,800 comprehensive quotes from 30 car insurance providers, using a range of driver profiles across different states, ages and genders.

On average, AAMI typically offers cheaper car insurance than NRMA on average. However, it's important to keep in mind that price may not be the only factor in your search for the best car insurance.

Provider NSWQLDSATASVICWAAus average
AAMI$1,884$1,106$1,015$985$1,318$1,002$1,218
NRMA$2,027$1,154$1,038$1,004N/A$1,034$1,252

These quotes are formed based on a fictional driver profile and your own quote will differ based on your personal circumstances. This should be used as a guide only.

About our car insurance methodology

Car insurance policies on offer

AAMI offers 2 levels of non-mandatory car insurance:

  • AAMI Comprehensive
  • AAMI Third party property damage

AAMI's third party property damage policy can have fire & theft car insurance added to it.

NRMA offers 4 levels of non-mandatory car insurance:

  • NRMA Comprehensive Plus
  • NRMA Comprehensive
  • NRMA Third Party Property Damage
  • NRMA Third Party Fire & Theft

NRMA also offers compulsory third party (CTP) insurance.

Customer reviews

NRMA and AAMI both have pretty negative reviews online. While it's worth taking this into consideration, keep in mind that they are both very popular insurers so it's likely that they will have more complaints than smaller brands.

NRMA and AAMI complaints information

Using data from the Australian Financial Complaints Authority (AFCA), we can see how many motor insurance complaints the underwriters from AAMI (AAI) and NRMA (Insurance Australia Limited) have received and resolved.

UnderwriterComplaints recieved Complaints resolved at registration & referral Referral resolution rate
AAI2231137061.43%
Insurance Australia Limited 141376053.82%

Finder's verdict

Written by

Gary Ross Hunter

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, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full profile

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