Allianz vs AAMI car insurance

Tossing up between Allianz and AAMI? We've compared each insurer side by side.

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By

Peta Taylor

Updated

Fact checked
4.6 based on 837 reviews

Key takeaways

  • If a choice of repairer is important to you, Allianz may suit your needs.
  • AAMI often provides higher benefit limits for emergency repairs or travel costs.
  • Our research suggests AAMI is often cheaper for comparable comprehensive car insurance.
Allianz and AAMI are two of Australia's most popular car insurers. AAMI offers higher benefit limits in some areas like; hire car after no fault accident, emergency repairs and personal effects coverage.

Allianz vs AAMI — compare key features

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

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


Up to $20 million
Roadside assistance
Standalone
Optional
Agreed or market value
Agreed
Agreed or Market
Choice of repairer
Legal liability
$20,000,000
$20,000,000
Fire and theft
Storm
Flood
Hire car after theft

Optional extra - Up to 30 days

Reasonable costs - Up to 21 days
Hire car after no fault accident

Optional extra - Up to 30 days

Reasonable Cost
Hire car after at fault accident
Optional
Up to $80 per day - Up to 30 days
Optional
Up to $90 per day
Emergency repairs

Up to $500

Up to $1,000, combined with Emergency Transport & Accommodation and Personal Effects
Emergency travel and accommodation costs

Up to $500

Up to $1,000, combined with Essential Emergency Repairs and Personal Effects
New car replacement

If your car is written off in the first 2 years

If your car is written off or stolen in the first 2 years
Personal effects/property

Up to $1,000

Up to $1,000, combined with Essential Emergency Repairs and Emergency Transport & Accommodation
Locks and keys replacement

Up to $1,000

Towing
Trailer cover


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
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Allianz vs AAMI car insurance prices compared

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Car insurance policies on offer

Allianz offers 3 types of car insurance:

  • Comprehensive insurance
  • Comprehensive essentials insurance
  • Third party property damage insurance

AAMI offers 2 levels of 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.

Customer reviews

Allianz has slightly better ratings than AAMI on popular review websites. In Finder's 2026 Customer Satisfaction Awards, Allianz was recognised for Quality Service and Easy to Claim in Victoria and as a Recommended Brand in NSW, while AAMI was recognised for Easy to Claim in NSW, Victoria, SA and WA, Quality Service in Queensland, and as a Recommended Brand in Queensland and SA.

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

AAMI car insurance customer, WA

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

AAMI car insurance customer, SA

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

AAMI car insurance customer, QLD

"Excellent, reliable coverage with an easy to claim process and fast, efficient repairs, guaranteed for life."

Allianz car insurance customer, SA

"Welcoming, helpful staff and clear policies that provide good value cover."

Allianz car insurance customer, VIC

"Allianz has been my comprehensive car insurance for the past few years now and they are great! I've never had any problems."

Allianz car insurance customer, NSW

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

UnderwriterComplaints received Complaints resolved at referral Referral resolution rate
Allianz 63225941.24%
AAI4131218253.74%

Finder's verdict

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Our expert says

"Allianz and AAMI are pretty dependable insurers with solid coverage. AAMI has a few benefits with higher limits than Allianz but if you care about having a choice of repairer, Allianz would be a better fit. We also ran a few quotes and our research suggests AAMI is cheaper on average. Everyone's circumstances are slightly different so it's worth getting a quote from both to see who is best for you."

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Peta Taylor
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FAQs

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Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio

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2 Responses

    Ken Coleman's avatar
    KenMarch 19, 2025

    How Does AAMI as overall insurers with RACV

      Peta Taylor's headshotFinder
      PetaMarch 20, 2025Finder

      Hi Ken, if you’re wondering how AAMI compares to RACV then I’ve put a quick analysis of their comprehensive policies below.

      In terms of coverage offered, RACV is a bit more thorough. You can pay a bit extra to get your own choice of repairer if you like and key/lock replacements are covered. AAMI doesn’t offer choice of repairer or key replacement.
      However, AAMI offers roadside assistance as an optional add on, RACV does not.
      What’s best for you here will depend on what features you care for more. If you’ve got any specific features in mind, let me know and I’d be happy to share some suggestions.

      In terms of pricing, our research shows that RACV is typically more expensive than AAMI. We found that there’s often a few hundred dollars difference between the two so it’s definitely worth getting your own quotes and comparing the difference.

      I’d say; if you care for more features and are happy to pay a bit more – RACV is worth considering. If you’re more concerned about keeping costs lower and don’t mind not having access to a choice of repairer or key replacement then AAMI might be a better bet for you.

      I hope this helps!

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