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Allianz vs AAMI car insurance
A side by side comparison of Allianz and AAMI car insurance including expert analysis of pricing, features, complaints and reviews.
Allianz and AAMI are two of Australia's most popular car insurers. They both offer pretty similar levels of cover but our research shows AAMI is typically cheaper.
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 |
 AAMI Comprehensive Car Insurance |
|
|---|---|---|
| Underwriter | Allianz Australia Insurance Limited | AAI Limited |
| Accidental Damage | ||
| Damage to other people's car |
|
|
| Bonuses | No | $50 online discount |
| Roadside assistance | No | Optional |
| Agreed or market value |
Agreed |
Agreed or Market |
| Choice of repairer | ||
| Legal liability | Yes - $20,000,000 | Yes - $20,000,000 |
| Fire and theft | ||
| Storm | ||
| Flood | ||
| Hire car after theft |
Up to $50 per day - Until claim is completed |
Reasonable costs - Up to 21 days |
| Hire car after no fault accident |
Optional Up to $50 per day |
Optional Up to $90 per day |
| Hire car after at fault accident |
Up to $50 per day |
Limit not disclosed |
| Emergency repairs |
Up to $500 |
Up to $1,000 |
| Emergency travel and accommodation costs |
Up to $500 |
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 or stolen in the first 2 years |
| Personal effects/property |
Up to $500 |
Up to $1,000 |
| 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 | More info |
Allianz vs AAMI 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 Allianz. 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 |
|---|---|---|---|---|---|---|---|
| Allianz | $1,431 | $1,475 | $1,376 | $1,195 | $1,947 | $1,196 | $1,437 |
| AAMI | $1,884 | $1,106 | $1,015 | $985 | $1,318 | $1,002 | $1,218 |
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
Allianz offers 2 types of car insurance:
- Comprehensive 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. However, it scored lower in our Customer Satisfaction awards. Allianz scored 4.19/5 and AAMI scored 4.32/5.
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 have received and resolved.
| Underwriter | Complaints received | Complaints resolved at registration & referral | Referral resolution rate |
|---|---|---|---|
| Allianz | 575 | 292 | 50.78% |
| AAI | 2231 | 1370 | 61.43% |
Finder's verdict
Allianz and AAMI are pretty dependable insurers with solid coverage. However, when it comes to price, 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.
Gary Ross Hunter
Insurance and innovations editor
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