- 15% off new online purchases*
- Best Value – 2023 Finder Award winner
- Cheaper than most insurers
Comprehensive car insurance is the highest level of coverage. It includes cover for accidental damage to your own car, damage you cause to other people’s property, damage as the result of fire and theft and legal liability. It can include a hire car, windscreen damage and in some cases, roadside assistance too.
To help Australians find the best comprehensive cover for their needs, our insurance specialists have analysed over 90% of the most popular car insurers in Australia, then selected 5 of the top policies, as determined by that research.
Budget Direct is our best value pick because it's one of the cheapest comprehensive car insurers for all age groups. Despite that, it doesn't cut corners with its coverage. It also has a better customer service record than its main competitors.
Youi is our pick for features because it's the only comprehensive policy to include roadside assistance as standard. It's also the highest rated well-known car insurer for customer service.
If you want a really cheap policy, Bingle is rarely beaten on price. It's easily the cheapest comprehensive car insurer out of the 37 providers we researched. On average, it's around $230 per year less than budget insurers like Budget Direct and AAMI. The catch? It covers the essentials (e.g. damage to your own car and others) but not much more.
ROLLiN' is often the cheapest comprehensive option for young drivers (we got over 1,100 quotes to verify this). It doesn't hit you with an age-based excess, unlike the majority of car insurers, and you can cancel for free at any time. There's no excess charge for windscreen damage. You need to pay extra for this feature with other insurers.
NRMA offers two different comprehensive car insurance options and Veteran, Vintage and Classic Car Insurance cover. It's good if you want a trusted insurer (it's won Roy Morgan's most trusted insurer award since 2018) and the flexibility to choose from a range of options depending on your budget. Most insurers just have one comprehensive car insurance option.
Our insurance experts have analysed over 90% of Australia's most popular car insurers*. We've shortlisted 4 policies based on Finder awards, customer reviews and AFCA data. We only looked at comprehensive car insurance policies. Remember to do some research yourself, since what's best for you will differ from person to person.
*Learn more about our methodology for determining Australia's most popular car insurers.
90% of Australia's most popular car insurers analysed
5,700 customers surveyed
1,180 prices gathered
250+ hours of research
Written by experts
|Brand||Overall satisfaction rating|
Comprehensive car insurance is the best type of cover if you want full protection. It's the only level of insurance to cover damage to your own car as well as others. It's good for people who:
This covers damage to other people's property, including their vehicles. You can also add fire and theft protection for your own car. It could be good if your car is low value – for example, if you can afford to buy a new car if yours was written off in an accident. Third party car insurance is good for people:
This is mandatory car insurance and it's good if you can only afford the bare minimum. It covers legal and medical costs if you injure or kill someone in a car accident.
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