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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
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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.
| Provider | MAI 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
| Provider | Excess | Annual Amount - Comp | Excess | Annual Amount - TPFT | Excess | Annual Amount - TPPD | Apply |
|---|---|---|---|---|---|---|---|
 | $800 | $1,007.55 | would not insure car | $700 | $258.49 | Get quote | |
 | $800 | $1,473.56 | $800 | $429.76 | $800 | $429.76 | More info |
 | $795 | $1,388.37 | $795 | $312.25 | $795 | $293.67 | More info |
 | $800 | $2,148.54 | $800 | $1,082.6 | $800 | $711.28 | Get quote |
| $850 | $1,301.08 | doesn't offer TPFT | $650 | $335.74 | More info | |
 | $895 | $723.8 | doesn't offer TPFT | $895 | $160.60 | More info | |
These quotes are accurate as of 2024.
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.
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