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Allianz vs NRMA car insurance

A side by side comparison of Allianz and NRMA car insurance including expert analysis of pricing, features, complaints and reviews.

Allianz and NRMA are among Australia's most popular car insurers. Allianz has some features that NRMA doesn't offer – for example, it automatically covers your own choice of repairer – but our research shows NRMA is typically cheaper for a similar level of cover.

Allianz vs NRMA — compare key features

We've compared Allianz comprehensive car insurance to NRMA's standard comprehensive car insurance policy. See further below for other types of car insurance offered by these providers.

Allianz Comprehensive image
Allianz Comprehensive
NRMA Comprehensive image
NRMA Comprehensive
Underwriter Allianz Australia Insurance Limited Insurance Australia Limited
Accidental Damage
Damage to other people's car

Bonuses No No
Roadside assistance No Optional
Agreed or market value Agreed
Agreed or Market
Choice of repairer Optional
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

Up to $75 per day - Up to 21 days
Hire car after no fault accident Optional

Up to $50 per day
Optional
Up to $75 per day - Up to 14 days
Hire car after at fault accident
Up to $50 per day

Limit not disclosed
Emergency repairs
Up to $500

Up to $800
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 in the first 2 years
Personal effects/property
Up to $500

Up to $500
Locks and keys replacement
Up to $1,000

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 NRMA 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, NRMA 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
Allianz$1,431$1,475$1,376$1,195$1,947$1,196$1,437
NRMA$2,027$1,154$1,038$1,004$0$1,034$1,252

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

NRMA offers 4 types of non-compulsory car insurance:

  • NRMA Comprehensive Plus
  • NRMA Comprehensive
  • NRMA Third Party Fire & Theft
  • NRMA Third Party Property Damage

Customer reviews

Allianz scored 4.19/5 in our customer satisfaction awards. NRMA wasn't eligible because it's not available in Victoria. However, looking at popular online review websites, Allianz typically scores a little more highly than NRMA.

Allianz and NRMA complaints information

Using data from the Australian Financial Complaints Authority (AFCA), we can see how many motor insurance complaints the underwriters from Allianz and NRMA (Insurance Australia Limited) have received and resolved.

UnderwriterComplaints received Complaints resolved at registration & referral Referral resolution rate
Allianz 57529250.78%
Insurance Australia Limited 141376053.82%

Finder's verdict

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