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Best car insurance – so good, it’ll give you whiplash

We reviewed over 1,800 car insurance quotes in Australia (because you have better things to do). This is our pick of the bunch.

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Best car insurance providers in Australia

The best car insurance for you is one that gives you the amount of coverage you're looking for at a price you can afford.
Car insurance is one of the biggest household bills in Australia with drivers spending an average of $1,363 on a policy. This is where Finder's car insurance experts come in — we've researched over 90% of the most popular car insurers in Australia and shortlisted 5 of the top policies to help you find the best car insurance for your needs. Our list is curated based on the following:

  • Customer satisfaction — We surveyed thousands of Australians to understand who they've had the best experience with. This policy is for drivers who prioritise customer service, features and benefits, ease of application and value for money.
  • Value for money — This policy offers ample coverage without breaking the bank. It's not the cheapest, nor the most expensive. It's good for drivers who want something cheap but effective.
  • Price — We got over 1,800 quotes from the most popular car insurance providers in Australia to find who offered the best price on average. This is for drivers who want a simple policy and prefer low cost over features.
  • Variety — We analysed policies from 35+ car insurance brands and found few that offered more than one comprehensive product. This policy is for the driver who likes lots of options to choose from.
  • Features — We analysed policies from 35+ car insurance brands and analysed over 800 features as part of our 2024 Finder Awards.
Gary Ross Hunter
Expert picks selected by Gary Ross Hunter – car insurance specialist

Best for price: Bingle comprehensive car insurance

Bingle car insurance logo
Best low cost car insurance 2024

If you want a really cheap policy, Bingle car insurance is rarely beaten on price — as such, it won the 2024 Finder Car Insurance Award for low-cost. On average, it costs around $862. The catch? It covers the essentials (e.g. damage to your own car and others) but not much more.

    • Typically the cheapest comprehensive car insurer available.
    • It covers accidental loss or damage to your car, including theft and weather events.
    • Can cover ridesharing.
    • New for old car replacement isn't automatically included. Most comprehensive policies cover this.
    • It's online only with some customers complaining it is difficult to contact.
    • You can't choose your own repairer.

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Best for customer satisfaction: Youi comprehensive car insurance

Youi car insurance

Best customer satisfaction winner 2023

Youi car insurance is the editor's pick for customer satisfaction because it's highly rated for: customer service, features and benefits, ease of application and value for money. 93% of Australians surveyed said they'd recommend Youi car insurance to a friend.

    • Includes roadside assistance. It's the only car insurance provider out of 32 to do this.
    • Is willing to negotiate on price. Multiple Finder staff have called Youi and negotiated a cheaper car insurance policy than the one they were originally quoted.
    • Australian customers of Youi scored it 4.38/5 for customer satisfaction.
    • Youi roadside assistance only pays for the first 2 call-outs in a year.
    • You usually need to finalise your car insurance quote over the phone.
    • It can be more expensive than other insurers.

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Budget Direct comprehensive car insurance
Best value car insurance 2024

Budget Direct car insurance 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.

    • It's cheap. The average policy costs $992 a year, according to our research – $371 less than average.
    • It doesn't compromise on cover. It's very similar to major insurers like NRMA, Allianz and AAMI.
    • High customer ratings. It scored highly in the Finder Customer Satisfaction awards (4.32/5) and on other popular review websites.
    • Budget Direct isn't the cheapest insurer. Bingle is cheaper – but it doesn't include as many benefits.
    • It has a $500 limit for stolen or damaged personal items. AAMI's is $1,000.
    • Its product disclosure statement (PDS) is split over 2 documents, creating unnecessary admin.

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Best for variety: NRMA

NRMA car insurance

NRMA car insurance offers two different comprehensive 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.

    • $0 excess for glass damage with NRMA Comprehensive Plus – most insurers make you pay extra for this feature.
    • Lots of optional add-ons to help you adjust your price.
    • One of the only brands to offer vintage car cover.
    • There are at least 6 cheaper insurers according to our Finder Awards.
    • It has lots of negative online reviews.
    • The Vintage car insurance option won't cover you if you use the vehicle regularly.

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Best for features: Hume Bank comprehensive car insurance

Hume Bank car insurance

Best Car Insurance - Features

Hume Bank comprehensive car insurance is the 2024 Finder car insurance award winner for features. Out of 37 insurers and over 1,800 quotes, its comprehensive policy came out on top. If you want a lot for your money, they could be the insurer for you.

    • Cover for accidental loss of or damage to your vehicle.
    • New for old car replacement, trailer and caravan cover, rental car after theft and more.
    • It typically costs less than $1,000 a year – over $300 less than the average comprehensive policy.
    • Budget Direct, Bingle, ROLLiN and more are cheaper.
    • Maybe you don't need lots of features.
    • Rental car following an accident is an optional extra.

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Best rated car insurers

Customer Satisfaction rating

Each year, our experts and insights team asks Australians to score their car insurance provider. As part of the Car Insurance Customer Satisfaction Awards for 2023, we asked over 5,700 Australians to rate their car insurer on value for money, features and benefits, ease of application and customer service. Of the 15+ insurers scored, these were the top 5. See our methodology for how each provider was scored.
Brand Overall satisfaction rating
Youi car insurance ★★★★★ 4.38/5
Everyday car insurance ★★★★★ 4.36/5
AAMI car insurance ★★★★★ 4.32/5
Budget Direct car insurance ★★★★★ 4.32/5
QBE car insurance ★★★★★ 4.22/5

Finder survey: Why do Australians have comprehensive car insurance?

Peace of mind68.73%
I want cover for damage to my own car29.97%
I want lots of features1.15%
Source: Finder survey by Pure Profile of 1006 Australians, December 2023

Why you can trust Finder's car insurance experts

freeYou pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.
expert adviceYou save time. We spend 100s of hours researching car insurance so you can sort the gold from the junk faster.
independentYou can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.

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Written by

Gary Ross Hunter

Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full profile

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