Best car insurance Australia: March 2026

FEATURES

Youi Comprehensive

Youi Comprehensive

2026 Finder Award winner for features

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VALUE

Budget Direct Comprehensive

Budget Direct Comprehensive

2026 Finder Award winner for value

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CHEAP

Bingle Comprehensive

Bingle Comprehensive

Simple affordable cover

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How we calculate Car Insurance Finder Scores

Read full methodology

What different scores mean

9+

Excellent

These products offer the best value and outcomes considering various product features and price.

7+

Great

Competitive products within their group.

5+

Standard

But these products still offer reasonable value and have the basics sorted.

0+

Basic

Offering basic cover with limited features or higher pricing.

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.

Expert picks selected by Ceyda Erem – car insurance specialist

Finder Score	Roadside Assistance	Accidental damage	Agreed or market value
Best for features
Finder Score 9.4 Excellent Youi Comprehensive Finder Award	Finder Score 9.4 Excellent			Agreed or Market	Get Quote View details Compare product selection Compare	loading	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 & cons 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
Finder Score 9.9 Excellent Budget Direct Comprehensive Finder Award	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.	Get Quote View details Compare product selection Compare	loading	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 & cons 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
Finder Score 8.3 Great Bingle Comprehensive	Finder Score 8.3 Great			Market	Get Quote View details Compare product selection Compare	loading	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 & cons 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
Finder Score 9.9 Excellent Qantas Comprehensive	Finder Score 9.9 Excellent	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.	Get Quote View details Compare product selection Compare	loading	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 & cons 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
Finder Score Not scored yet NRMA Comprehensive Most Loved	Finder Score Not scored yet	Optional		Agreed or Market	View details Compare product selection Compare	loading	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 & cons 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?

Frequently asked questions

• 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.

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