Best car insurance Australia: March 2026

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

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. While we are not allowed to display actual quotes, our Finder Score aims to serve as an indicative guide to how cost and feature 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. 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:

  • Features — From automatic inclusions to impressive cover limits, this policy delivers big on features, making it an ideal choice for Australian drivers seeking true comprehensive cover.
  • 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.
  • Cheap — This is a policy that is a great option for drivers looking for the most cost-effective option. Price is the top priority, however, cover is maximised.
  • 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 Ceyda Erem – car insurance specialist
Finder Score Roadside Assistance Accidental damage Agreed or market value

Best for features

Youi logo
Finder Score
Youi Comprehensive
Finder Award
Finder Score
Agreed or Market
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Why we like it

Youi Comprehensive Car Insurance received the 2026 Finder Award for Best Features Car Insurance. The insurer automatically includes roadside assistance and offers competitive cover limits for divers.

Pros

  • 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.

Cons

  • 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.

Best for value

Budget Direct logo
Finder Score
Finder Score
Optional
Agreed or Market
Receive 15% off your first year's premium when you purchase cover online. T&Cs apply.
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Why we like it

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.

Pros

  • t'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.

Cons

  • 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.

Best for cheap comprehensive car insurance

Bingle logo
Finder Score
Finder Score
Market
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Why we like it

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. Consequently, Bingle was recognised as a Highly Commended winner for Best Low Cost Car Insurance in the 2026 Finder Car Insurance Awards.

Pros

  • 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.

Best for points lovers

Qantas Car Insurance logo
Finder Score
Finder Score
Optional
Agreed or Market
Bonus points offer: Earn up to 35,000 Qantas Points with every car insurance policy. Ends 1 April 2026. Plus save 15% on your 1st year’s premium when you purchase online. T&Cs apply.
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Why we like it

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. With many loving to travel but struggling for the funds, the ability to earn points while spending on mundane insurance items is appealing.

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.

Best for variety

NRMA logo
Finder Score
Not scored yet
Finder Score
Not scored yet
Optional
Agreed or Market
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Why we like it

NRMA car insuranceNRMA 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.

Pros

  • $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.

Cons

  • 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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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

Frequently asked questions

Sources

Peta Taylor's headshot
Written by

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

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