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Best car insurance for under-25s

We sourced 350+ quotes for under-25s to help you find the best policy.

ROLLiN' Comprehensive

  • Cost-effective for 20-year-olds
  • No added excess for under-25s
  • Flexible monthly policy
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If your car is a total loss as a result of a covered event and has less than 15,000kms on the odometer.

What you need to know

  • Your age will make your premium more expensive but there are others ways to find savings.
  • ROLLiN' offers the cheapest car insurance for 20-year-olds, averaging $1,059 per year, according to 2023 Finder Awards analysis.
  • Lowering your coverage and opting for a third party policy could be a good option if your budget won't allow for the expense of comprehensive cover.

Car insurance for under-25s comparison

1 - 6 of 28
Name Product Roadside assistance Accidental damage Storm Choice of repairer Agreed or market value Bonuses
Budget Direct Comprehensive
Agreed or Market
15% online discount
Finder's summary: The 2023 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.
QBE Comprehensive
Green Company
QBE Comprehensive
Agreed or Market
$75 online discount
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).
Australia Post Comprehensive
Agreed or Market
$100 online discount
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.
Bingle Comprehensive
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.
Kogan Comprehensive
Agreed or Market
$115 off first year premiums + $10 monthly credit
Finder's summary: Kogan comes with all the perks that most comprehensive car insurance policies include, but you'll also be entitled to some benefits from its online store. This usually comes in the form of a gift voucher or discount if you buy online.

⭐ Current offer: Get $115 off first year premiums when you purchase Kogan Comprehensive Car Insurance online + $10 monthly credit. T&Cs apply.

Who it might be good for: Kogan shoppers and those after a good range of policy options.
Qantas Comprehensive
Agreed or Market
Earn up to 50,000 Qantas Points
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 50,000 Qantas Points with every Qantas Car Insurance policy you take out by 5 December. T&Cs apply.

Who it might be good for: People who want more bang for their buck with Qantas Points.

Editor's pick for December: RoLLiN' car insurance

Rollin car insurance

Why choose ROLLiN' car insurance?

  • ROLLiN offers the cheapest comprehensive car insurance for 20-year olds out of the 30+ policies we got quotes for. Our research included brands such as Bingle, Budget Direct, AAMI and Allianz. ROLLiN had an average cost of $1,059 a year.
  • Unlike other insurers, ROLLiN' won't hit you with an additional excess based on your age – you just pay $800 per named driver. Many insurers, such as Bingle, Budget Direct and AAMI, typically charge an extra age excess on top of your normal excess if you are under 25 years old.
  • You can cancel anytime. Unlike many other insurers, there's no-lock in contract.
  • The unlisted driver excess is a hefty $3,000 so it really pays to add anyone who may drive the car.
More info

How we selected our Editor's pick for under-25s

We used our Finder Car Insurance Awards data to determine our Editor's pick. We filtered our data to look solely at quotes for 20-year-olds. In total, we got 393 quotes from 32 comprehensive car insurance policies. At $1,059 a year, ROLLiN' had the cheapest policy on average.

We only looked at comprehensive car insurance policies and didn't look at every provider on the market. Keep in mind that what's best for you might not be for someone else. Your prices can differ based on where you live, your gender and the car you drive. Be sure to check the fine print to make sure it's the right policy for you.

Finder's car insurance methodology

How much does insurance for under-25s cost?

ProviderAverage costApply
Rollin' car insurance


More info
Bingle logo


Get a quote


More info
Budget Direct

Budget Direct

Get a quote


More info
Virgin Money

Virgin Money

More info
Hume Bank Logo

Hume Bank

More info
Nab logo


More info


Get a quote

More info

3 ways young drivers can save on car insurance

Number 1

Look for sign up discounts

Many car insurers offer sign up discounts that can translate to $100 or more in savings. Instead of auto-renewing your exisiting policy, it can be so worth shopping around and seeing what other providers can offer you. Keep in mind, a percentage discount will often be more valuable than just a cash amount discount. Take time to run the numbers.

Number 2

Be willing to make a phone call

Some insurers will be happy to negotiate on price over the phone, all you've got to do is call and tell them you're thinking of switching providers. Do some research prior so you can prove that similar products are available at a cheaper rate, if asked. This is a tried & tested tip by Finder's insurance team.

Number 3

Choose a higher excess

Choosing a higher excess will lower the cost of your premium. Just be aware that this is the amount you'll have to pay if you ever need to make a claim, so be sure you can afford it.

Expert tips about getting car insurance for under-25s

What's the best car insurance for under-25s?

The best car insurance for a young driver is one that suits your circumstances and offers you the most value. That means the policy that's right for one person will be different from the one that's right for someone else.

Here's how to find the best policy based on your situation:

CarWhich insurance?
You bought a new car or you drive an expensive oneComprehensive insurance is likely the best level of insurance for you since it will cost you dearly if your car is totalled. It covers your car in a wide variety of situations including accidents you cause, natural disasters and uninsured drivers. Plus, if you bought your car with finance, your lender will probably require that you have comprehensive cover.
You have an expensive car and you drive long distancesThe best policy for you would probably be a comprehensive policy, with all the options. Besides giving you the full protection of a comprehensive policy, it can also include some extra selling points such as a hire car after a bingle (if you cause the accident), sending a tow truck to you if you break down and replacing your windscreen without requiring you to pay an excess. Always check the PDS (the terms and conditions) for an insurance policy so you know exactly what's included in each one.
Your car isn't super expensive but you live in a high-risk areaThird party fire and theft is the best policy for someone who lives in a high-crime area or somewhere that's prone to bushfires – but doesn't need the full cover of a comprehensive policy. It'll cost you less than comprehensive insurance, but it still protects your car against fire and theft. Again, check the PDS of the insurance policy you're considering to make sure exactly what's covered and what's excluded.
You drive a bangerThird party property damage is probably the best cover for you if your car isn't worth much and you can afford to replace it. Third party property damage doesn't protect your car, but it does protect you if you damage other people's stuff – like their cars or property.
You live with your parentsIf you don't mind driving your parents' car (and you drive it less than they do), the best option for you is to stay on your parents' policy so you can save some money. Make sure you don't end up committing insurance fraud though by having your parents do something called "fronting".

Why you can trust Finder's car insurance experts


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.
expert advice

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.

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.

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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2 Responses

    Default Gravatar 8, 2017

    My son is 17. Can I insure a Subaru Forester 2007 XT turbo with him as the second driver? If so, who will insure him? Thanks

      RenchJuly 9, 2017Finder


      Thanks for reaching out to us. Please note that we are not affiliated with any company we feature on our site and so we can only offer you general advice.

      You’re actually already on the correct page on where you can get helpful information and where you can compare your options for your son. You may click on the name of your preferred insurance on the list to see more details then you may click on the green ‘Get Quote’ button to get in contact with them and inquire. You should be able to inquire with them on what will be the requirements.

      Best regards,

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