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Best car insurance Australia: July 2024

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

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 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.
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.
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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.

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Best for value: Budget Direct comprehensive car insurance

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.

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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.

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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

Finding the best car insurance

Why you can trust our research

William Eve

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, Car owner and Finder employee

Finder survey: Why do Australians have comprehensive car insurance?

Response
Peace of mind68.73%
I want cover for damage to my own car29.97%
I want lots of features1.15%
Other0.14%
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.

Frequently asked questions

Peta Taylor's headshot
Written by

Associate publisher

Peta Taylor is an associate publisher at Finder, specialising in car insurance. She's been analysing product disclosure statements and publishing articles for car insurance for over a year. Peta has a Bachelor of Communications and Media Studies with a Major in Marketing from the University of Wollongong and a Cert IV in Media Journalism. Peta is part of Finder's car insurance awards team and works alongside editorial and insights experts to bring drivers the best in car insurance products every year. See full bio

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