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Best car insurance Australia: December 2023

To help you find the best car insurance in Australia, we narrowed down 30+ policies to a handful based on value, perks and features.

Top pick:
Best value
Budget Direct Comprehensive
Finder Award
  • 15% off new online purchases*
  • Best Value – 2023 Finder Award winner
  • Cheaper than most insurers
Top pick:
Best features
Youi Comprehensive
Finder Award
  • 2023 Finder Award winner
  • Automatically includes roadside assistance
  • Cover for collisions, weather damage and more
Top pick:
Bingle Comprehensive
  • The cheapest policy on Finder
  • Good at covering the basics
  • Flexible payment options
Top pick:
Young drivers
ROLLiN' Comprehensive
  • Cost-effective for 20-year-olds
  • No added excess for under-25s
  • Flexible monthly policy

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.

Gary Ross Hunter
Expert picks selected by Gary Ross Hunter – car insurance specialist

Best for value: Budget Direct comprehensive car insurance

Budget Direct comprehensive car insurance
Best value car insurance 2023

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.

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Best for features: Youi comprehensive car insurance

Youi car insurance

Best car insurance features winner 2023

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.

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Best for price: Bingle comprehensive car insurance

Bingle car insurance logo

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.

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Best for young drivers: ROLLiN'

Rollin' car insurance

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.

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Best for variety: NRMA

NRMA car insurance

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.

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Finding the best car insurance

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.

Why you can trust our research

Best rated car insurers

2023 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
Windscreen damage
Windscreen damage is the second most common car insurance claim. However, the excess often costs around the same as the repairs – so lots of insurers come with an excess-free windscreen damage add-on. Say your window is broken by hail. With this optional extra on your policy, you won't be out of pocket for the repair costs or the excess.
Dougal Warby

How Dougal saved on his car insurance

I took 20-30 minutes to research other providers, put together a few quotes and went back to them to see if they'd negotiate. They were more than open to compete with the rest of the market, and marked down their initial price to one that justified staying with them. It's really surprising how much you can save when you only need to put a small amount of time aside to compare your insurance options.

— Dougal Warby, publisher, Finder

Which type of car insurance is best for me?

Comprehensive car insurance

Comprehensive car insurance

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:

  • Have a car which would be expensive to repair
  • Would not be able to replace their car if it was written off
  • Rely on their car for essential trips
Third party

Third party car insurance

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:

  • On a budget with a low-value car
  • Who don't rely on their car for essential trips
  • Who can afford to replace their car if it's written off in an accident
Compulsory third party

Compulsory third party

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.

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.

Frequently asked questions

  1. 37 car insurance policies analysed, awards research February 2023
  2. 250 hours+ of research, based on time taken to gather 1,000+ quotes and research each policy, February–March 2023
  3. AFCA
  4. Bingle car insurance (accessed May 2023)
  5. Budget Direct car insurance PDS (accessed May 2023)
  6. Youi car insurance PDS (accessed May 2023)
  7. RolliN' car insurance PDS (accessed May 2023)
  8. DSH Top 3 Car Claims
  9. Finder Awards Car Insurance 2023
  10. Finder survey of 1,000 Australians who own 1 or more cars, November 2022
  11. NSW Gov
  12. NRMA car insurance PDS (accessed May 2023)
  13. VMIA
  14. Finder: Car Insurance Customer Satisfaction Awards 2023

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