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ANZ car insurance review

ANZ car insurance is typically more expensive than average, but it does have some generous benefits.

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Our verdict


  • You're covered if you accidentally put the wrong fuel in your car - a very rare benefit
  • Up to $1,500 for emergency accommodation, higher than any other brand we compared
  • Up to $1,000 for emergency repairs - most brands only offer $500


  • You have to call ANZ directly to request a quote or buy a policy, you can't do this online
  • Historically, ANZ's policies have been more expensive than average
  • Only certain policyholders can claim online, otherwise you'll have to call

How does ANZ compare with other car insurers?

ANZ's benefit limits are often higher than most other car insurance brands. However, drivers typically face a significantly higher-than-average premium.


Name Product Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
ANZ Comprehensive Plus
  • If your car is written off in the first 3 years
  • Budget Direct Comprehensive
  • If your car is written off in the first 2 years or 40,000 km
  • Optional
    Finder's summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

    ⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

    Who it might be good for: Anyone who wants a good value policy.
    NRMA Comprehensive
  • If your car is written off in the first 2 years
  • Optional
    AAMI Comprehensive Car Insurance
  • If your car is written off or stolen in the first 2 years
  • Optional
    Finder's summary: AAMI's comprehensive policy includes cover for legal modifications and accessories and up to $20 million cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available.

    ⭐ Current offers: Save $50 when you buy a new comprehensive car insurance policy online. T&Cs apply.

    Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.
    Allianz Comprehensive
  • If your car is written off or stolen in the first 2 years
  • Finder’s summary: Allianz is good if you want agreed value (this lets you agree on an amount to cover your car for). For a big insurer, it also has a strong customer service record.

    Who it might be good for: Anyone who wants good customer service and agreed value cover.


    Of over 30 brands compared in the 2023 Finder Car Insurance Awards, ANZ was the most expensive. On average, its policies cost $2,223 a year — significantly higher than the average. Although it's worth noting that ANZ's policy benefits and limits are particularly generous and the best car insurance for some drivers may depend on more than price. For those who are looking for a cheap car insurance policy, it may not be suitable.

    Due to ANZ no longer offering online quotes, it wasn't eligible for analysis in the 2024 car insurance awards.

    Compare ANZ's policies

    Name Product Accidental damage Roadside assistance Fire and theft New Car Replacement Hire car after theft
    ANZ Comprehensive Plus
  • If your car is written off in the first 3 years
  • Up to $100 per day - Up to 21 days
  • ANZ Third Party Fire and Theft
  • Up to $65 per day - Up to 21 days
  • ANZ Third Party Property Damage
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    What additional cover options are available?

    Many common add-on benefits are included as standard in ANZ car insurance policies, including excess-free windscreen cover and hire car after any insured incident. However, ANZ does offer one additional option -

    • Any repairer - You can choose any licensed repairer to repair to fix your car, regardless of whether they're a ANZ partner repairer.

    Why you can trust Finder's car insurance experts


    We're free

    You pay the same as buying directly from the car insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
    expert advice

    We're experts

    Our team of car insurance experts have researched and rated dozens of policies as part of our Finder Awards and published 330+ guides to make it easier for you to compare.

    We're independent

    Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of car insurance brands, making it easier for you to find a good deal.

    We're here to help

    Since 2014, we've helped 300,000+ people find car insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.


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