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Compare Car Insurance NSW

From CTP to comprehensive cover, we can help you find car insurance for your needs.

What you need to know

  • The highest level of car insurance is comprehensive which covers damage to your car and to other people, vehicles and property.
  • For a more economical option, check out third party insurance which covers some of the most common risks outside of damage to your car.
  • At the bare minimum, you need to get compulsory third party insurance (CTP) before registering your car.

Compare comprehensive car insurance in NSW

Name Product Roadside assistance Accidental damage 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.
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).
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.
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.
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.
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Compare third party car insurance in NSW

Car Bump

Cheap third party property damage car insurance

Third party property damage insurance covers the cost of compensating other people if you cause damage to their cars or property. Be aware that third party insurance doesn't cover any damage to your own car.

ProviderPriceApply
CGU$246.20More info
Youi$345.12Get quote
AAMI$351.82More info
GIO$368.85More info
Bingle$443.52Get quote

Quotes are accurate as of January 2023

Compare more third party property damage insurance providers in Australia.

Car on Fire

Cheap third party, fire and theft car insurance

This type of car insurance typically costs more than third party cover. It covers your vehicle if it's damaged due to fire or theft – 2 very common vehicle hazards. Third party, fire and theft won't cover the costs of damage to your own car in an accident.

ProviderPriceApply
AAMI$354.70More info
GIO$379.33More info
Youi$418.77Get quote
Coles$473.31More info
Suncorp$506.68More info

Quotes are accurate as of January 2023

Compare more third party fire and theft insurance providers in Australia.

Compare compulsory third party insurance in NSW

CTP insurance is the only mandatory form of car insurance in NSW and is legally required to register a car. It protects you from legal costs that result from injuries and deaths suffered on the road. It won't cover any kind of damage to vehicles or to any other type of property.

There are currently six insurers that offer CTP insurance in NSW, you can use this CTP calculator to easily compare costs.

Greenslips 4 Earth logo

CTP Calculator

Compare 6 CTP insurers in NSW with this simple online calculator. For every policy purchased, a tree will be planted.

Compare CTP insurance

Best rated car insurance brands in NSW

When it comes to finding the best car insurance for your needs, price isn't everything. So we reached out to everyday Australians to get a feel for how satisfied they are with their current insurer. As part of the research, we surveyed 1,199 people in NSW about 15 different car insurance providers. Respondents were asked to rate their provider on the following; customer service, features & benefits, ease of application and value for money. The below 3 insurers were the winners and finalists.

BrandScore (out of 5)?
AAMI4.4
CGU4.4
NRMA logo4.3

Find out more about the Finder customer satisfaction awards and how we worked out the overall scores here.

How to lower the cost of car insurance in NSW

If, after shopping around, you're still finding the cost of premiums too high, you've got a few other options to help lower the price:

  • Restrict drivers. Keeping young drivers out of the driver's seat can have a huge impact on the price you pay.
  • Opt for a higher excess. You might have to fork out more at claim time but increasing your excess means a lower premium.
  • Pay annually. Some car insurers charge more when you pay in installments rather than all upfront.
  • Keep your car off the street. Generally, your car is safer in a garage than in off-street parking and this can mean your premium will be less.
  • Pay-as-you-go. If you only drive short distances or don't use your car much, you might be able to save with pay-as-you-drive car insurance.

While money’s front of mind for everyone right now, it’s generally a good idea to see if your budget can stretch to comprehensive insurance. Why? It can save you money in the long run. It's the only type of car insurance that’ll cover damage to your vehicle if you’re at-fault in an accident. Plus it’ll cover you for things such as hail and storm damage. Third-party plans don’t cover any of these events. Finder research has found there’s a difference of more than $2,500 between the cheapest and most expensive comprehensive policy – so it really does pay to compare your options.

Why you can trust Finder's car insurance experts

free

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.
independent

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.
help

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.

Frequently asked questions

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2 Responses

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    clockOctober 28, 2021

    Hi there! Would you mind if I share your blog with my twitter group?
    There’s a lot of people that I think would really appreciate your content.
    Please let me know. Thank you

      AvatarFinder
      JamesNovember 10, 2021Finder

      Hi,

      Thank you for your feedback. We’re glad you appreciate our content and feel free to share this with your networks. Our goal is help people make better decisions every day.

      Regards,
      James

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