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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 41
Name Product Roadside assistance Accidental damage Storm Choice of repairer Agreed or Market Value
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.
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.
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 $75 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.
ROLLiN' Comprehensive
Agreed
Finder's summary: One of the most cost-effective insurers for under 25s, according to Finder research, with no aged-based excess.

Who it might be good for: Young drivers looking to keep costs down and anyone who’d like to get more flexibility from their car insurance.
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).
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.
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.
Youi Third Party Fire and Theft
Optional
Agreed or Market
Up to $20 million legal liability cover and 24/7 claims team.
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.
Budget Direct Third Party Property Only
Optional
⭐ Current offer: Save 15% on your first year's premium when you purchase a new policy online. T&Cs apply.

Who it might be good for: Drivers who only want cover for damage to another person’s vehicle and up to 15% off your first year.
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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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We're free

You pay the same as buying directly from the car insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
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We're experts

Our team of car insurance experts have researched and rated dozens of policies as part of our Finder Awards and published 330+ guides to make it easier for you to compare.
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We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of car insurance brands, making it easier for you to find a good deal.
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We're here to help

Since 2014, we've helped 300,000+ people find car insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

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