Car insurance in NSW
Compare everything from CTP to comprehensive cover, all in one place.
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. We use your responses to our quiz to pair you with the closest price profile and while we are not allowed to display actual quotes, our price score aims to serve as an indicative guide to how cost 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.
Depending on your answers to our car insurance quiz, we upweight the relevant price score or feature score to generate a dynamic Finder Score (80% weighting on the primary selection between Price or Feature). Finder Score, Price Score and Feature Score are only to be used as indicative guides and are not product recommendations.
Key takeaways
- Compulsory third party (CTP) insurance is mandatory. You have to have this to drive your car legally. You can see pricing for this below.
- Comprehensive, third party fire & theft, and third party property damage car insurance is optional. You can compare these here.
- Costs for each of these insurances vary greatly, so it always pays to compare your options. You can see sample pricing further below.
Compare car insurance in NSW
Compare other products
We currently don't have that product, but here are others to consider:
How we picked theseThe cost of car insurance in NSW
CTP is available from 6 different car insurers in NSW. You think they'd all charge the same price but that's not the case so it's really worth comparing. Your quote depends on what model your car is and how you use it plus a few other factors. Compare quotes from all 6 of these providers using Greenslips4Earth — it's free to use and gives you a quick overview of where you can make savings.
The cost of other car insurance in NSW varies hugely depending on what level of cover you take out and who your provider is. To give you a guide, here's some averages.
Comprehensive car insurance costs an average of $1,698. To give you an idea of how prices vary, the cheapest quote was for $899 and the most expensive quote was for $3,565.
Third party fire & theft costs an average of $778. The cheapest quote was $549 and the most expensive was $1,264.
Third party property damage costs an average of $663. The cheapest quote was $459 and the most expensive quote was $1,031.
How much are Aussies spending on car insurance?
Every month, we ask a bunch of New South Wales residents what they're paying for car insurance. Here's what their bill looked like in November 2025.$182
Price based on 1,300+ responses about their monthly premium in November 2025.Here's a breakdown of what each type of insurance covers.
Comprehensive car insurance
This is the only level of car insurance that covers damage to your own car as well as other people's vehicles and property. Additionally, you'll be covered if your car is damaged by hail, fire or storm or if it's stolen or vandalised. It can also help pay for key replacements, a hire car if yours is stolen and more.
Third party, fire and theft car insurance
This level of car insurance covers costs if you damage someone else's vehicle or property and can pay to repair or replace your car if it's damaged by fire or stolen. However, it doesn't cover you for damage to your own car due to an accident, storm or flood.
Third party property car insurance
This level of car insurance only covers you for costs if you damage someone else's vehicle or property. It won't cover repair costs for your car.
Compulsory third party
Often called Green Slip insurance, compulsory third party car insurance is mandatory for every registered driver in Australia. In many states, it's included in your car registration. It helps cover compensation costs, such as hospital expenses, if you kill or injure someone in a car accident. It won't cover your car or someone else's car.
How to lower the cost of your car insurance premium
- Increase your excess. A higher excess means a cheaper premium. You'll just need to ensure you can pay your excess in the event you actually need to make a claim.
- Look for sign up discounts. Many providers offer a sign up discount for new customers. This can mean over $100 in savings.
- Get on the phone. Being willing to negotiate with your provider over the phone can save you lots of money. Simply asking the question; "Is there any flexibility on that price?" has saved me $200 before.
- Compare quotes. Get quotes from at least 3-5 providers so you know what price range you're working with. This will also help you negotiate more confidently because you'll know what else is out there.
- Do the maths. Check the difference in cost between paying annually and paying monthly. Some insurers will charge you extra to pay monthly and the fees can be huge. We've seen instances where this adds hundreds of dollars to a premium in the long run. Luckily, not all insurers charge this so just do the maths and be informed.
Our expert says
"Frustratingly, NSW drivers are stuck with particularly high premiums in comparison to other states in Australia. Luckily, there's plenty to do about this! The best thing you can do is equip yourself with knowledge; compare multiple insurers and be informed about what your options are. Doing this research will help you negotiate a cheaper price with your existing insurer or at least switch and save with another provider. I did this recently and saved around $200."
FAQs
Sources
More resources on Finder
Ask a question
2 Responses
More guides on Finder
-
How to register a car in Victoria
Find out how to get your car registration transferred in Victoria.
-
NRMA roadside assistance options compared
NRMA offers 3 levels of roadside assistance. We’ve compared the pricing and features of them all in this article.
-
Blue Slip NSW
Your guide to Blue Slips.
-
Car insurance multi-policy discounts
What you need to know about getting a multi-policy discount with your car insurance.
-
Car Insurance ACT
Living in the ACT? Here’s all you need to know about car insurance.
-
Can DUI offenders get car insurance?
Your guide to car insurance when you've been convicted of drink driving.
-
Learner driver insurance
Complete guide to getting car insurance for learner drivers in Australia.
-
Car insurance deals and discounts December 2025
Compare the latest car insurance discounts and deals to save further on your policy or access bonus offers. Discounts up to 25% for purchasing online
-
Compare third party car insurance
This article runs through the ins and outs of choosing a good third party property damage car insurance policy.
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
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