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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 |
NRMA Comprehensive |
|
|---|---|---|
| Underwriter | Allianz Australia Insurance Limited | Insurance Australia Limited |
| Accidental Damage | ||
| Damage to other people's car |
|
|
| Bonuses | No | 10% online discount |
| 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 |
Reasonable Cost |
| 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 $1,000 |
| 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 | NSW | QLD | SA | TAS | VIC | WA | Aus 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.
| Underwriter | Complaints received | Complaints resolved at registration & referral | Referral resolution rate |
|---|---|---|---|
| Allianz | 575 | 292 | 50.78% |
| Insurance Australia Limited | 1413 | 760 | 53.82% |
Finder's verdict
If your main concern is cost, Allianz can be more expensive than NRMA, according to our 2024 research. It does however give you your own choice of repairer automatically (NRMA make you pay extra for this). Overall though, both offer fairly similar levels of cover with their comprehensive policies.
Gary Ross Hunter
Insurance and innovations editor
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