Is Allianz or NRMA better?

Allianz and NRMA offer similar levels of cover but NRMA tends to have higher benefit limits in some cases. Our research also shows that NRMA is often cheaper than Allianz but it’s important to get your own quotes to compare as everyone’s profile is different. If you'd like to find out how NRMA stacks up with other insurers in terms of price, you can check out other reviews where we compare insurers, like AAMI and Budget Direct.

Allianz vs NRMA car insurance

Allianz includes choice of repairer as standard. NRMA often offers higher benefit limits for some features like emergency travel.
While our sample quote shows Allianz as cheaper, NRMA often tends to be more competitive overall.
Customer reviews indicate Allianz typically scores more highly than NRMA on popular online platforms.

Allianz and NRMA are both well known insurers in Australia with comparable coverage. Allianz has some features that NRMA doesn't offer – for example, it automatically covers your own choice of repairer – but NRMA has higher benefit limits for some other features.

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
Roadside assistance	Standalone	Standalone
Agreed or market value	Agreed	Agreed or Market
Choice of repairer		Optional
Legal liability	$20,000,000	$20,000,000
Fire and theft
Storm
Flood
Hire car after theft	Up to $80 per day - Up to 30 days	Up to $75 per day - Up to 21 days
Hire car after no fault accident	Up to $80 per day - Up to 30 days	Reasonable costs
Hire car after at fault accident	Optional Up to $80 per day - Up to 30 days	Optional Up to $75 per day - Up to 21 days
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 in the first 2 years	If your car is written off in the first 2 years
Personal effects/property	Up to $1,000	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

2 of 2 results

Sample quote
NRMA Comprehensive Most Loved	Sample quote $2,416.84	View details Compare product selectionCompare	loading
Allianz Comprehensive	Sample quote $2,315.90	View details Compare product selectionCompare	loading

Showing 2 of 2 results

To determine these insurance costs, we sourced comprehensive car insurance quotes for a 30-year-old male driver living in postcode 2011 (NSW). The profile used for these quotes assumes a 2020 Toyota Corolla Ascent Sport Direct Shift CVT with an annual mileage of 15,000km. We selected an excess as close to $850 as possible across all providers to ensure a fair comparison. These quotes were obtained in February 2026.

Car insurance policies on offer

Allianz offers 3 types of car insurance:

Comprehensive insurance
Comprehensive essentials 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.

"Quality insurance good customer service."

Allianz car insurance customer, QLD

"Better than average, but getting very expensive."

Allianz car insurance customer, NSW

"Great coverage, easy claims process."

Allianz car insurance customer, SA

"Excellent, great value and service."

NRMA car insurance customer, NSW

"I have been with them for about 30 years find them most helpful kept them after moving from NSW to Qld."

NRMA car insurance customer, QLD

"Good quality insurance."

NRMA car insurance customer, WA

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

Expert insight

"Looking at the comprehensive policies, both Allianz and NRMA offer fairly similar products. Extra value may be found in the detail though. Take the hire car after theft benefit for example; NRMA offers a higher daily limit but it has a 21 day cap. Allianz will pay for a hire car until the claim is completed, which could go beyond 21 days. For many, price is a huge factor and our research shows NRMA tends to be more competitive— it also has a sign up discount."

Peta Watson

FAQs

Allianz and NRMA offer similar levels of cover but NRMA tends to have higher benefit limits in some cases. Our research also shows that NRMA is often cheaper than Allianz but it’s important to get your own quotes to compare as everyone’s profile is different. If you'd like to find out how NRMA stacks up with other insurers in terms of price, you can check out other reviews where we compare insurers, like AAMI and Budget Direct.

Sources

Thank you for your feedback!

Written by

Gary Ross Hunter

Journalist

Add to Preferred Sources

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise

Gary Ross has written 554 Finder guides across topics including:

Health, home, life, car, pet and travel insurance
Managing the cost of living

Co-written by

Peta Taylor

Publisher of Insurance

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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Allianz vs NRMA car insurance

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