Who is better — AAMI or NRMA?

Only you can decide this. If you’re going off cost alone, our research indicates that AAMI is slightly cheaper. If you’re looking at features, they’re very similar and would come down to whether or not you care about things like roadside assistance, choice of repairer and cover for locks and key replacements. If you need more information before you can make a decision, find out how AAMI compares to other insurers, including Youi, Allianz, Budget Direct or Coles.

Who has better discounts — AAMI or NRMA car insurance?

AAMI usually offers new customers $50 off their comprehensive policy, while NRMA offers 10% off. Given most comprehensive car insurance policies are around the $1,000 mark - there’s more savings to be had with the NRMA offer.

AAMI vs NRMA Car Insurance

AAMI comprehensive insurance was notably cheaper in our sample quote at $1756 compared to NRMA's $2416.
NRMA's comprehensive policy includes optional choice of repairer and locks/keys replacement up to $1000.
NRMA's 10% new policy discount may offer more savings than AAMI's typical $50 off.

With multiple insurers, sign up discounts and optional add-on features, it’s easy to overcomplicate car insurance. One of the easier ways to compare policies is to put brands against each other to determine the better option for you.

AAMI and NRMA are two of Australia's most popular car insurers. While both are heavy hitters in the insurance space, one may more suited to you than the other in terms of price, 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	NRMA Comprehensive
Underwriter	AAI Limited	Insurance Australia Limited
Accidental Damage
Damage to other people's car	Up to $20 million
Roadside assistance	Optional	Standalone
Agreed or market value	Agreed or Market	Agreed or Market
Choice of repairer		Optional
Legal liability	$20,000,000	$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	Reasonable Cost	Reasonable costs
Hire car after at fault accident	Optional Up to $90 per day	Optional Up to $75 per day - Up to 21 days
Emergency repairs	Up to $1,000, combined with Emergency Transport & Accommodation and Personal Effects	Up to $800
Emergency travel and accommodation costs	Up to $1,000, combined with Essential Emergency Repairs and Personal Effects	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, combined with Essential Emergency Repairs and Emergency Transport & Accommodation	Up to $1,000
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.
	Get quote	More info

AAMI vs NRMA car insurance prices compared

2 of 2 results

Sample quote
AAMI Comprehensive Car Insurance	Sample quote $1,756.10	Get Quote View details Compare product selectionCompare	loading
NRMA Comprehensive Most Loved	Sample quote $2,416.84	View details Compare product selectionCompare	loading

Showing 2 of 2 results

To determine these insurance costs, we sourced comprehensive car insurance quotes for a 30-year-old male driver living in postcode 2011 (NSW). The profile used for these quotes assumes a 2020 Toyota Corolla Ascent Sport Direct Shift CVT with an annual mileage of 15,000km. We selected an excess as close to $850 as possible across all providers to ensure a fair comparison. These quotes were obtained in February 2026.

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.

"Easy to use app, low premiums, easy to understand policies."

Anon, WA

AAMI car insurance customer

"Good value for money and friendly, helpful customer service."

Anon, SA

AAMI car insurance customer

"AAMI is a customer-friendly, fairly cheap insurance option."

Anon, QLD

AAMI car insurance customer

"Long time customer, never lets me down."

Anon, NSW

NRMA car insurance customer

"Easy to deal with. Prompt and efficient service."

Anon, QLD

NRMA car insurance customer

"Great value."

Anon, ACT

NRMA car insurance customer

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) received and resolved in the 2025-26 financial year (1 July 2025 to 30 June 2026).

Underwriter	Complaints received	Complaints resolved at referral	Referral resolution rate
AAI	4131	2182	53.74%
Insurance Australia Limited	2079	1055	50.17%

Finder's verdict

Our expert says

"AAMI and NRMA are typically quite similar in price but if you live in NSW, NRMA might be more expensive. Our research found a $140 difference in premiums between the two insurers. In terms of what you get for your money, they're pretty similar. NRMA has a good customer service record and a bunch of actual branches scattered across NSW."

Gary Ross Hunter

Journalist

FAQs

Only you can decide this. If you’re going off cost alone, our research indicates that AAMI is slightly cheaper. If you’re looking at features, they’re very similar and would come down to whether or not you care about things like roadside assistance, choice of repairer and cover for locks and key replacements. If you need more information before you can make a decision, find out how AAMI compares to other insurers, including Youi, Allianz, Budget Direct or Coles.

Sources

Thank you for your feedback!

Written by

Gary Ross Hunter

Journalist

Add to Preferred Sources

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise

Gary Ross has written 524 Finder guides across topics including:

Health, home, life, car, pet and travel insurance
Managing the cost of living

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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.