Is there a single best car insurance policy in Australia?

No. Different policies will suit different people. It's more about comparing your options so you can find one which is right for you, at a price you can afford.

What's the best car insurance policy in QLD?

According to the 2025 Finder Awards , Budget Direct car insurance provides the best value policy for those located in Queensland . Keep in mind there is no universal best car insurance policy and your driver profile may differ to the one we used in our awards. To find the best car insurance policy for you, be sure to compare multiple quotes and read the PDS.

What's the best car insurance policy in NSW?

According to the 2025 Finder Awards, Hume Bank Comprehensive provides the best value car insurance for those in New South Wales . It ranked in first place for both value and features meaning pricing and comprehensivesness of the policy have been taken into account. Remember, there is no universal best car insurance as everyone's circumstances and needs are different. To find a car insurance policy that best fits your needs, be sure to compare multiple policies and read the PDS to understand what you're covered for.

What's the best car insurance policy in VIC?

According to the 2025 Finder Awards, Budget Direct Comprehensive provides the best car insurance for those in Victoria . Keep in mind, there is no universal best car insurance. Circumstances and needs differ from person to person and are based on a range of factors such as age, gender and location. To find the best deal for you, it's wise to compare multiple policies.

What's the best car insurance policy in South Australia?

According to the 2025 Finder Awards, Hume Bank car insurance is the best value comprehensive car insurance for drivers in South Australia .

What's the best car insurance policy in Western Australia?

According to the Finder Awards, Hume Bank car insurance is the best value comprehensive car insurance policy in WA.

What's the best comprehensive car insurance?

According to the 2025 Finder Awards , ALDI offers the best value comprehensive car insurance in Australia and Coles insurance is the best for features. However, it's important to note that the criteria used to determine our award winners may be different to your own circumstances. Always read the PDS to understand if the price and features offered are best for your needs.

What's the cheapest car insurance?

That'll depend on your personal details, but if you're looking for cheap car insurance options, Bingle car insurance won the 2025 Finder car insurance award for low cost.

Best car insurance Australia: December 2025

Customer satisfaction

Youi

Cheaper premiums than average*
2024 Finder Award winner for customer satisfaction
Automatically includes roadside assistance
*According to Finder research.

Value

Budget Direct

Highly commended in the 2025 Finder Award for best features car insurance
Cheaper than average premiums
15% discount for new online customers*
*T&Cs apply.

Cheap

Bingle

Finder Award

2025 Finder Award winner for low-cost car insurance
All online, fast quote
Simple, affordable cover

Finder Score for car insurance

We analyse over 30 car insurance products across insurance providers, and rate each one for price and features. We collect up to 36 quotes per product, for male and female drivers in New South Wales, Victoria, Queensland, South Australia, Tasmania and Western Australia. Quotes are collected for 20 year olds, 30 year olds and 60 year olds, assuming an excess of $850 for a 2020 Toyota Corolla 4 door sedan model, with an average 15,000 kms driven each year. We use your responses to our quiz to pair you with the closest price profile and while we are not allowed to display actual quotes, our price score aims to serve as an indicative guide to how cost competitive a product might be for you.

Our feature score assesses each product for more than 15 features across loss and damage coverage, repairs and assistance coverage, personal items coverage and policy coverage. Features we assess include but are not limited to legal liability, essential repairs, new car replacement, car hire events, roadside assistance, agreed or market value, windscreen damage and natural disaster coverage.

Depending on your answers to our car insurance quiz, we upweight the relevant price score or feature score to generate a dynamic Finder Score (80% weighting on the primary selection between Price or Feature). Finder Score, Price Score and Feature Score are only to be used as indicative guides and are not product recommendations.

Read the full methodology

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 $1,362 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 4 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.

Expert picks selected by Gary Ross Hunter – car insurance specialist

Best for customer satisfaction: Youi comprehensive car insurance

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.

All comprehensive car insurance policies include cover for accidental damage, legal liability, theft and weather events. This table shows where policies often differ.

Provider	Average cost	Roadside assistance	Personal items	Locks & keys replacement	New car replacement	Customer satisfaction rating
Youi	$1,359	Included	Up to $750	Up to $1,000	Yes - see PDS for limits	4.38/5
AAMI	$1,218	Optional	Up to $1,000	Optional	Yes - see PDS for limits	4.32/5
NRMA	$1,043	Optional	Up to $500	Up to $1,000	Yes - see PDS for limits	N/A

Our average pricing is based on research of 1,800+ quotes from 30 insurers in Australia across 60 customer profiles. See our methodology.

It's an award winner
Youi is the highest rated well known Australian car insurer by customers. It was voted by over 5,700 Australians as the best car insurer in the Finder Customer Satisfaction awards, scoring 4.38/5. We asked Australians across all major states (NSW, VIC, QLD, WA, SA) for their opinion about their current car insurer. Each customer rated the insurer out of 5 for:
- Features and benefits
- Customer service
- Value for money
- Ease of application
We also looked at other popular review websites. Youi scored higher than any other large car insurer, including Budget Direct, NRMA, Allianz and AAMI. Additionally, Youi only received 208 complaints to the Australian Financial Complaints Authority (AFCA). By comparison, other very large insurers AAI Limited (AAMI), Insurance Australia Limited (NRMA), Allianz and QBE received much more – 2,231, 1,413, 575 and 412 respectively.
Free roadside assistance
Youi is the only insurer to automatically include roadside assistance when you take out a comprehensive car insurance policy. We could not find any other online insurer on the market that offered this benefit. You typically have to pay around $100 per year for roadside assistance cover.

We've outlined the key features of a Youi policy and included policies with similar benefits. Keep in mind, this is a snapshot only and the full product can only be understood by reading the product disclosure statement.

Provider	Roadside assistance	Personal items	Locks & keys	New car replacement	Average cost
Youi	Included	Up to $750	Up to $1,000	Yes - see PDS for limits	$1,359
Budget Direct	Optional	Up to $500	Up to $1,000	Yes - see PDS for limits	$992
Virgin	Optional	$500	Yes	Yes - See PDS for limits	$1,057
NRMA	Optional	Up to $500	Up to $1,000	Yes - see PDS for limits	$1,043
Qantas	Optional	$750	Up to $1,500	Yes - see PDS for limits	$1,125

Get a quote

Best for value: Budget Direct comprehensive car insurance

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 (4.30/5) 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.
- It's product disclosure statement (PDS) is split over 2 documents, creating unnecessary admin.

All comprehensive car insurance policies include cover for accidental damage, legal liability, theft and weather events. The table below shows how Budget Direct stacks up against 2 other popular insurers.

Provider	Average cost	Roadside assistance	Personal items	Locks & keys replacement	New car replacement	Customer satisfaction rating
Budget Direct	$992	Optional	Up to $500	Up to $1,000	Yes - see PDS for limits	4.30/5
AAMI	$1,218	Optional	Up to $1,000	Optional	Yes - see PDS for limits	4.32/5
NRMA	$1,043	Optional	Up to $500	Up to $1,000	Yes - see PDS for limits	N/A

Our average pricing is based on research of 1,800+ quotes from 30 insurers in Australia across 60 customer profiles.

It's an award winner
Budget Direct was awarded as highly commended in the 2025 Finder Car Insurance Award for best features. To determine our winners, we got 1,800 quotes for 30 eligible comprehensive car insurance policies based on 60 different customer profiles.
Our experts then researched and rated a total of 814 features. The final score for the best value winner was based on a 30:70 split of the price and features score. Budget Direct came in first place because it offered similar cover to other insurers but at a lower price.
It's cheap
Budget Direct was cheaper than average across Australia. Despite this, it still offers a thorough policy that is competitive with much more expensive policies.
Customer reviews and AFCA complaints data
Australians rated Budget Direct 4.30/5 stars in the 2024 Finder Customer Satisfaction awards. This places it in the top 3 best rated car insurers that were assessed. To determine these scores, we asked Australians across all major states (NSW, VIC, QLD, WA, SA) for their opinion about their current car insurer. Each customer rated the insurer out of 5 for:
- Features and benefits
- Customer service
- Value for money
- Ease of application
We also looked at external customer reviews. Budget Direct ranked higher than all other popular car insurer including NRMA, AAMI and Allianz. Only Youi is rated slightly higher.
Additionally, when looking at compliants data from the Australian Financial Complaints Authority (AFCA), Auto & General (which issues Budget Direct policies) received significantly less complaints than AAMI, though it does have a smaller market share (meaning it's likely to get less complaints). AAI (which issues AAMI's policies) received 2,231 complaints while Auto & General received 1,431, during the most recent financial period.

We've outlined the key features of a Budget Direct policy and included policies with similar benefits. Keep in mind, this is a snapshot only and the full product can only be understood by reading the product disclosure statement.

Provider	Roadside assistance	Personal items	Locks & keys	New car replacement	Average cost
Budget Direct	Optional	Up to $500	Up to $1,000	Yes - see PDS for limits	$992
Virgin	Optional	$500	Yes	Yes - If your car is written off in the first 2 years or is under 40,000 km	$1,057
NRMA Comprehensive	Optional	Up to $500	Up to $1,000	Yes - see PDS for limits	$1,043
ahm	Optional	$500	Yes	Yes - If your car is written off in the first 2 years	$1,469

Get a quote

Cheap comprehensive car insurance: Bingle car insurance

What we like about Bingle:

Pros:

At an average of $862 per year, Bingle had the cheapest comprehensive car insurance premiums out of the 30+ providers we reviewed in our Finder Awards. That's why it won the 2025 Finder car insurance award for low cost.
It's cheaper than other insurers because it covers you for the essentials and nothing more – for example, it'll cover damage to your car, from bad weather to accidents, plus damage to other people's cars and property. If you want cover for agreed value then you'll need to look elsewhere.

Cons:

Bingle isn't the best policy if you want lots of extras. For example, windscreen cover and a hire car after an accident aren't automatically included.
Bingle is all online and its customer service can be difficult to get through to, according to customer reviews.

Get quote

Best for Points lovers: Qantas comprehensive car insurance

Qantas car insurance is the top pick for points lovers because it regularly runs promotions where you can earn Qantas points when you purchase an eligible policy.

Pros:
- Qantas's comprehensive policy offers a similar level of coverage to more expensive insurers, yet remains comparatively cheap.
- It includes higher coverage limits than others like up to $1,500 for key replacement (others offer up to $1,000)..
- You can save 15% on your first year’s premium when you purchase online. T&Cs apply.
Cons:
- If you choose to cancel your policy early, you may be charged a fee of $40. Some other policies don’t charge you to cancel early.
- If points aren’t important to you then there are other, more well-known brands available for cheaper.
- Its product disclosure statement (PDS) is split over 2 documents, creating unnecessary admin.

All comprehensive car insurance policies include cover for accidental damage, legal liability, theft and weather events. The table below shows how Qantas stacks up against 2 other popular insurers.

Provider	Average cost	Roadside assistance	Personal items	Locks & keys replacement	New car replacement	Customer satisfaction rating
Qantas	$1,125	Optional	$750	Up to $1,500	Yes - see PDS for limits	N/A
Budget Direct	$992	Optional	Up to $500	Up to $1,000	Yes - see PDS for limits	4.30/5
NRMA	$1,043	Optional	Up to $500	Up to $1,000	Yes - see PDS for limits	N/A

Our average pricing is based on research of 1,800+ quotes from 30 insurers in Australia across 60 customer profiles.

We've outlined the key features of a Qantas car insurance policy and included policies with similar benefits. Keep in mind, this is a snapshot only and the full product can only be understood by reading the product disclosure statement.

Provider	Roadside assistance	Personal items	Locks & keys	New car replacement	Average cost
Qantas	Optional	$750	Up to $1,500	Yes - see PDS for limits	$1,125
Budget Direct	Optional extra	Up to $500	Up to $1,000	Yes - see PDS for limits	$992
Virgin	Optional	$500	Yes	Yes - If your car is written off in the first 2 years or is under 40,000 km	$1,057
NRMA Comprehensive	Optional extra	Up to $500	Up to $1,000	Yes - see PDS for limits	$1,043
ahm	Optional	$500	Yes	Yes - If your car is written off in the first 2 years	$1,469

Get a quote

Best for variety: NRMA

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.

All comprehensive car insurance policies include cover for accidental damage, legal liability, theft and weather events. This table shows where policies often differ.

Provider	Average cost	Roadside assistance	Personal items	Locks & keys replacement	New car replacement	Customer satisfaction rating
NRMA	$1,043	Optional	Up to $500	Up to $1,000	Yes - see PDS for limits	N/A
AAMI	$1,218	Optional	Up to $1,000	Optional	Yes - see PDS for limits	4.32/5
Budget Direct	$992	Optional	Up to $500	Up to $1,000	Yes - see PDS for limits	4.30/5

Our average pricing is based on research of 1,800+ quotes from 30 insurers in Australia across 60 customer profiles.

We've outlined the key features of a standard NRMA comprehensive policy and included policies with similar benefits. Keep in mind, this is a snapshot only and the full product can only be understood by reading the product disclosure statement.

Provider	Roadside assistance	Personal items	Locks & keys	New car replacement	Average cost
NRMA comprehensive	Optional	Up to $500	Up to $1,000	Yes - see PDS for limits	$1,043
Virgin	Optional	$500	Yes	Yes - see PDS for limits	$1,057
Budget Direct	Optional	Up to $500	Up to $1,000	Yes - see PDS for limits	$992
Real Insurance	Optional	$500	Yes	New car replacement Yes - see PDS for limits	$1,463
ahm	Optional	$500	Yes	Yes - see PDS for limits	$1,469

More info

Best rated car insurers

10 of 141 results

Finder Score	Roadside Assistance	Accidental damage
Finder Score 9 Excellent Youi Comprehensive	Finder Score 9 Excellent		Agreed or Market	Summary: A great value policy with exceptional customer service. Youi won the 2024 Finder Award for Customer Satisfaction. It scored highly for features and benefits, customer service and reliability. It also automatically includes roadside assistance with comprehensive policies in its price - a feature that typically costs upwards of $90 per year.	Get Quote More info Compare product selectionCompare	loading
Finder Score 8 Great ROLLiN' Comprehensive	Finder Score 8 Great		Agreed	Get 10% off the base premium for the first 2 consecutive monthly policies and up to a 15% potential monthly discount from your 3rd month for being a safer driver. Minimum premiums may apply. T&Cs apply.	Summary: One of the most cost-effective insurers for under 25s, according to Finder research, with no aged-based excess. Who it might be good for: Young drivers looking to keep costs down and anyone who’d like to get more flexibility from their car insurance.	Get Quote More info Compare product selectionCompare	loading
Finder Score 9.9 Excellent Budget Direct Comprehensive	Finder Score 9.9 Excellent	Optional	Agreed or Market	Receive 15% off your first year's premium when you purchase cover online. T&Cs apply.	Summary: Budget Direct Comprehensive is highly commended as a feature-packed car insurance. It's cheaper than most, plus you can lower costs by adding age restrictions. Who it might be good for: Anyone who wants a good value policy.	Get Quote More info Compare product selectionCompare	loading
Finder Score 8.1 Great Bingle Comprehensive Finder Award	Finder Score 8.1 Great		Market	Summary: Our data shows it’s the cheapest comprehensive policy. It just covers the basics such as damage to your car, theft and storms – it doesn’t go in for add-ons and extras. Who it might be good for: Those wanting a low-cost, no-frills policy.	Get Quote More info Compare product selectionCompare	loading
Finder Score 9.9 Excellent Coles Comprehensive Insurance Finder Award	Finder Score 9.9 Excellent	Optional	Agreed or Market	Save 15% off your first year’s premium when you take out a new Coles Car Insurance policy online. T&Cs apply.	Summary: Coles Comprehensive Car Insurance includes the benefits you'd expect, plus features like grocery replacement (up to $200 if damaged or stolen. T&C's apply). Who it might be good for: Those who want great quality cover and more rewards with Flybuys.	Get Quote More info Compare product selectionCompare	loading
Finder Score 8.9 Great Kogan Comprehensive	Finder Score 8.9 Great	Optional	Agreed or Market	Up to 10% off your first year's premium when you apply online and $10 monthly Kogan credit (valid on $100+ purchases) for active policyholders. Black Friday deal: Get 12 months Complimentary Roadside Assist. T&Cs apply.	Summary: Kogan comes with all the perks that most comprehensive car insurance policies include, but you’ll also be entitled to some benefits from its online store. This usually comes in the form of a gift voucher or discount if you buy online. Who it might be good for: Kogan shoppers and those after a good range of policy options.	Get Quote More info Compare product selectionCompare	loading
Finder Score 7.6 Great QBE Comprehensive	Finder Score 7.6 Great		Agreed or Market	Save $75 when you purchase a new comprehensive policy online. T&Cs apply.	Who it might be good for: Those who want a trustworthy insurer and more cover than other brands, such as 3-year new car replacement (e.g. they'll give you money for a new car for up to 3 years if yours is written off).	Get Quote More info Compare product selectionCompare	loading
Finder Score 9.9 Excellent Qantas Comprehensive	Finder Score 9.9 Excellent	Optional	Agreed or Market	Earn up to 40,000 Qantas Points with every car insurance policy. Ends 28 Jan 2026. Plus save 15% on your 1st year’s premium when you purchase online. T&Cs apply.	Summary: You need car insurance so why not get one that lets you earn Qantas Points? It's good value too (it's underwritten by the same insurer as Budget Direct). Who it might be good for: People who want more bang for their buck with Qantas Points.	Get Quote More info Compare product selectionCompare	loading
Finder Score 8.5 Great Australian Seniors Comprehensive	Finder Score 8.5 Great	Optional	Agreed	Save 5% on your first year's car insurance premium by holding a valid Seniors Card. T&Cs apply.	Finder’s summary: Australian Seniors’ comprehensive policy includes complimentary hire car for a stolen car, up to $1,000 for a damaged trailer or caravan, up to $500 for emergency travel and accommodation cover. Who it might be good for: People over 50 years old looking for flexible cover options.	Get Quote More info Compare product selectionCompare	loading
Finder Score 7.7 Great Real Comprehensive	Finder Score 7.7 Great	Optional	Agreed	Summary: Real Comprehensive Car Insurance provides similar coverage to other insurers for the important stuff like looking after your car if it's stolen or you crash. It's also one of the few insurers who offer a Pay As You Drive policy, so you might be able to save big if you don't drive much. Who it might be good for: Those that don't drive much can take advantage of its Pay As You Drive policy.	Get Quote More info Compare product selectionCompare	loading

Showing 10 of 26 results

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 2024, we asked Australians to rate their car insurer on value for money, features and benefits, ease of application and customer service. Of the insurers scored, these were the top 3. See our methodology for how each provider was scored.

Brand	Overall satisfaction rating
	★★★★★ 4.44/5
	★★★★★ 4.30/5
	★★★★★ 4.19/5

Finding the best car insurance

Why you can trust our research

90% of Australia's most popular car insurers analysed

5,700 customers surveyed

1,800 prices gathered

250+ hours of research

Written by experts

Editorially independent

William's search for the best car insurance

"My car insurance with AAMI was up for renewal with a total increase of $537. No change to vehicle use or where the vehicle is located. I compared insurers on Finder and received a quote for the Budget Direct Comprehensive policy with comparable cover to my existing policy for $1,000 less. I added my partner as a listed driver, removed some of the optional benefits I didn't feel I needed and adjusted the standard excess from $795 to $700. The policy covers everything I need and it's way more affordable."

William Eve

Group publisher

Finder survey: Why do Australians have comprehensive car insurance?

Response
Peace of mind	68.73%
I want cover for damage to my own car	29.97%
I want lots of features	1.15%
Other	0.14%

Source: Finder survey by Pure Profile of 1006 Australians, December 2023

Frequently asked questions

According to the 2025 Finder Awards, Budget Direct car insurance provides the best value policy for those located in Queensland. Keep in mind there is no universal best car insurance policy and your driver profile may differ to the one we used in our awards. To find the best car insurance policy for you, be sure to compare multiple quotes and read the PDS.
According to the 2025 Finder Awards, Hume Bank Comprehensive provides the best value car insurance for those in New South Wales. It ranked in first place for both value and features meaning pricing and comprehensivesness of the policy have been taken into account. Remember, there is no universal best car insurance as everyone's circumstances and needs are different. To find a car insurance policy that best fits your needs, be sure to compare multiple policies and read the PDS to understand what you're covered for.
According to the 2025 Finder Awards, Budget Direct Comprehensive provides the best car insurance for those in Victoria. Keep in mind, there is no universal best car insurance. Circumstances and needs differ from person to person and are based on a range of factors such as age, gender and location. To find the best deal for you, it's wise to compare multiple policies.
According to the 2025 Finder Awards, ALDI offers the best value comprehensive car insurance in Australia and Coles insurance is the best for features. However, it's important to note that the criteria used to determine our award winners may be different to your own circumstances. Always read the PDS to understand if the price and features offered are best for your needs.

Sources

Thank you for your feedback!

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

More resources on Finder

Best car insurance Australia: December 2025