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.

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 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	NRMA Comprehensive
Underwriter	AAI Limited	Insurance Australia Limited
Accidental Damage
Damage to other people's car
Bonuses	$50 online discount	10% online discount
Roadside assistance	Optional	Optional
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	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 $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.
	More info	More info

AAMI vs NRMA car insurance prices compared

As part of our 2025 Finder car insurance awards, our experts and insights team analysed policies from 40 providers across Australia using a range of driver profiles across different states, ages and genders.

On average, NRMA typically offers cheaper car insurance than AAMI. 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	NSW	QLD	SA	TAS	VIC	WA	Aus average
NRMA	$2,150	$1,472	$1,362	$1,236	N/A	$1,440	$1,532
AAMI	$2,261	$1,468	$1,317	$1,349	$1,772	$1,713	$1,647

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.

"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) have received and resolved.

Underwriter	Complaints recieved	Complaints resolved at registration & referral	Referral resolution rate
AAI	2231	1370	61.43%
Insurance Australia Limited	1413	760	53.82%

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

Sources

Thank you for your feedback!

Written by

Gary Ross Hunter

Journalist

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 589 Finder guides across topics including:

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

More resources on Finder

Ask a question

Click here to cancel reply.

Display name

Your email (will not be published)

Your question

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

More guides on Finder

Mobile phone use while driving statistics – Australia
Drivers who text are 10 times more likely to crash yet a large number of Australians still do it.
High risk car insurance
Learn the factors that may cause you to be considered a high-risk driver and whether you might be eligible for cover.
RACQ Roadside Assistance Review
RACQ offers strong benefits and service, but drivers can expect to pay higher premiums and a joining fee.
Car Insurance ACT
Living in the ACT? Here’s all you need to know about car insurance.
Rideshare car insurance
Find out what car insurance options are available for rideshare drivers, including Ubers.
Can DUI offenders get car insurance?
Your guide to car insurance when you've been convicted of drink driving.
Learner driver insurance
Complete guide to getting car insurance for learner drivers in Australia.
Car insurance in South Australia
Compare car insurance policies in SA and get a quote online.
Short term car insurance Australia
Find out what short term car insurance options are available in Australia.
Switching car insurance
Is it time to make the switch? If you're not happy with your current car insurance provider then the answer might be yes.

AAMI vs NRMA Car Insurance