Car Insurance ACT
Living in the ACT? Here’s all you need to know about car insurance.
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.
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.
Compare car insurance in the ACT
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How we picked theseHow 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 | $405.10 |
| Apia | $423.90 |
| GIO | $409.50 |
| NRMA | $393.70 |
These costs are accurate as of April 2026.
Cost of car insurance in the ACT
| Provider | Excess | Comprehensive | Excess | Third Party Fire & Theft | Excess | Third Party Property Damage | Apply |
|---|---|---|---|---|---|---|---|
 | $800 | $1,227.97 | would not insure car | $700 | $331.61 | Get quote | |
 | $800 | $1,590.48 | $800 | $481.54 | $800 | $406.67 | More info |
 | $795 | $1,479.28 | $795 | $378.42 | $795 | $367.41 | More info |
 | $800 | $1,770.31 | $800 | $1,252.55 | $800 | $807.18 | Get quote |
 | $850 | $1,363.56 | doesn't offer TPFT | $650 | $445.04 | More info | |
 | $895 | $1,553.20 | doesn't offer TPFT | $895 | $220.00 | Get quote | |
These quotes are accurate as of April 2026.
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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