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Car Insurance ACT

Living in the ACT? Here’s all you need to know about car insurance.

Compare car insurance in the ACT

1 - 10 of 40
Name Product Roadside assistance Accidental damage Storm Choice of repairer Agreed or Market Value
Bingle Comprehensive
Market
Finder's 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.
Youi Comprehensive
Optional
Agreed or Market
Finder's summary: The 2023 winner of our Best Features Car Insurance award. Plus, it's one of the only insurers to automatically include roadside assistance.

Who it might be good for: Those who want good customer service with lots of inclusions.
Budget Direct Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: Anyone who wants a good value policy.
Qantas Comprehensive
Optional
Optional
Agreed or Market
Finder's 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).

⭐ Current offer: Earn up to 40,000 Qantas Points with every car insured by 2 July. Plus save 15% on your 1st year's premium when you purchase online. T&Cs apply.

Who it might be good for: People who want more bang for their buck with Qantas Points.
Australia Post Comprehensive
Optional
Agreed or Market
Finder's summary: Covers a little more than other insurers. You don’t need to pay an excess for windscreen repairs and cover applies to anyone who uses your car.

⭐ Current offer: Get $100 off your first year's comprehensive car insurance premium when you buy online. T&Cs apply.

Who it might be good for: Multiple people using one car.
QBE Comprehensive
Green Company
QBE Comprehensive
Optional
Agreed or Market
Finder's summary: Our best-rated Car Insurer for Customer Satisfaction in 2021/2022 and Green Insurer for the last 3 years.

⭐ Current offer: 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).
Youi Third Party Fire and Theft
Optional
Agreed or Market
Up to $20 million legal liability cover and 24/7 claims team.
Budget Direct Third Party Property, Fire and Theft
Optional
Market
Save 15% on your first year's premium when you purchase a new policy online. T&Cs apply.
Qantas Third Party Property, Fire and Theft
Optional
Market
Earn Qantas Points when you sign up. T&Cs apply.
Youi Third Party Property Damage
⭐ Current offer: Covered up to $5,000 for accidental damage to your car caused by an uninsured third party.

Who it might be good for: Drivers who want a reliable insurer. It was the 2022 Insurer of the Year for Customer Satisfaction.
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How MAI works

Motor Accident Insurance (MAI) is legally required in the ACT — it is the only mandatory type of car insurance. MAI is insurance for personal injuries; it covers people injured in a motor accident, regardless of who is at fault. The premium you pay for this is based on the type of vehicle and applicable taxes.

To give you an idea of pricing, the below table is for passenger vehicles that aren't entitled to the input tax credit (ITC). Your own vehicle classification may be different so it's best to check which one is applicable to your circumstances.

ProviderMAI cost
AAMI$404.20
Apia$409.20
GIO$390.60
NRMA$390.60

These costs are accurate as of March 2024.

Cost of car insurance in the ACT

ProviderAnnual costApply
Budget Direct Logo$1,095.08Get quote
Bingle logo$1,065.90Get quote
Picture not described$3,071.34Get quote
AAMI$1,369.49More info
NRMA logo$1,742.06More info
ProviderAnnual costApply
Budget Direct Logo$376.29Get quote
Picture not described$721.92Get quote
AAMI$237.19More info
NRMA logo$474.16More info
ProviderAnnual costApply
Budget Direct Logo$289.84Get quote
Bingle logo$215.60Get quote
Picture not described$625.20Get quote
AAMI$226.77More info
NRMA logo$289.47More info

These costs are for a fictional driver profile with an ACT based address and should be used as a guide only. Your own quote will differ based on your personal circumstances.

What kinds of additional car insurance can I get?

For additional cover, you can choose between the three major types of extra car insurance. These extra policies are not mandatory, but at least one of them is a very good idea.

  • Third party property damage: Only covers your third party liability for damage to other people's property. For example, the cost of damage to another person's car.
  • Third party property damage with fire and theft: Includes third party liability as above, plus cover for fire and theft of your own vehicle.
  • Comprehensive car insurance: Generally, the only type of car insurance that can cover accidental damage, storm and hail damage, and more. Comprehensive car insurance also includes third party property damage cover.

Generally, third party property cover is the minimum additional cover you'll want before getting on the road. If your car isn't very valuable, or if you don't want to pay more for cover, that might be all you want.

Comprehensive car insurance is generally the only cover type that can provide reliable protection for damage to your own vehicle. If you depend on having your vehicle in good condition, or if it's valuable enough to warrant comprehensive protection, then this might be the cover type for you.

Why you can trust Finder's car insurance experts

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FAQs

Written by

Peta Taylor

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 profile

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