- 2023 Finder Award winner
- Automatically includes roadside assistance
- Cover for collisions, weather damage and more
- 15% off new online purchases*
- Best Value - 2024 Finder Award winner
- Cheaper than most insurers
- 15% off on first year’s premium when you buy online
- Includes higher coverage limits than some other providers
- Is comparatively cheap for all it includes
- Cost-effective for 20-year-olds
- No added excess for under-25s
- Flexible monthly policy
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.
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.
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.
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.
Cheap car insurance for young drivers: ROLLiN'
ROLLiN' is cheap for young drivers. It's good if you're in your 20s and you can cancel any time.
Best for variety: NRMA
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 |
---|---|
★★★★★ 4.38/5 | |
★★★★★ 4.36/5 | |
★★★★★ 4.32/5 | |
★★★★★ 4.32/5 | |
★★★★★ 4.22/5 |
Finding the best car insurance
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
"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."
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% |
Frequently asked questions
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