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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 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

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
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

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

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 NSWQLDSATASVICWAAus average

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.

UnderwriterComplaints received Complaints resolved at registration & referral Referral resolution rate
Allianz 57529250.78%

Finder's verdict

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