Finder makes money from featured partners, but editorial opinions are our own.

Car Insurance NT

Your guide to getting your car insured in the Northern Territory

1 - 10 of 40
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.
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.
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 $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.
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.
Qantas Comprehensive
Optional
Optional
Agreed or Market
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 40,000 Qantas Points with every car insured by 2 July. Plus save 15% on your 1st year’s premium when you purchase online. T&Cs apply.

Who it might be good for: People who want more bang for their buck with Qantas Points.
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.
Qantas Third Party Property, Fire and Theft
Optional
Market
Earn Qantas Points when you sign up. T&Cs apply.
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.
loading


Car insurance can help protect you and your wallet from the uninsured driver who t-bones you out of nowhere, the local hooligan going around keying cars, and your own moment of distraction when you crash into someone’s Audi in the car park.

What types of car insurance can I get in NT?

Find the right policy for your situation by selecting an option that strikes an appropriate balance between affordability and cover offered.

Third party propertyThird party property, fire and theftComprehensive
Personal liabilityYesYesYes
Protection for your carNoCover for fire damage and theftComprehensive protection from many forms of damage
  • Personal liability. If you damage someone else’s property, such as a car or a house, in the course of an accident, it’s referred to as a personal liability cost because you are personally liable for it. This expense is covered by all types of car insurance except CTP.
  • Protection for your car. Your policy type determines your level of protection. Third party property only policies do not typically offer any cover for your car, while fire and theft policies only cover fire damage and stolen cars. Comprehensive policies will cover the cost of most damage that may befall your vehicle.

How much will it generally cost?

Your car insurance premiums are affected by how likely you are to make a claim. The more likely this is, the more expensive your car insurance will generally be. Factors like age, your driving record, the type of car you drive and many more are all taken into consideration.

  • CTP. All CTP insurance in the NT costs the same
  • Policy type. The cost of car insurance in the Northern Territory varies depending on policy type, vehicle insured, location and your individual circumstances. Comprehensive insurance is naturally more expensive than basic cover.
  • Stamp duty. Different financial services, including car insurance, are taxed at different levels around Australia. This is known as stamp duty, and for car insurance in NT, it’s set at 10% of the premiums paid. This is typically added to the cost of the insurance.

Northern Territory car theft statistics

According to the National Motor Vehicle Theft Reduction Council (NMVTRC), counting thefts per registrations, the Northern Territory has a national high of 6.09 cars stolen per 1,000 registrations.

The total car thefts numbered 981, or a 1.9% share of national thefts during 2017.

The five most common car theft areas

  1. Darwin City (432)
  2. Palmerston (166)
  3. Alice Springs Town (149)
  4. Litchfield Municipality (79)
  5. Katherine Town (44)

All of the top five crime hotspots in the Northern Territories actually experienced lowering car crime rates versus 2016. Overall car theft dropped 9.8%. Crime is heading back toward 2013 levels.

The most likely time to have a vehicle stolen is on a Monday from 20:00 - 23:59. Friday, Saturdays and Sundays see the most vehicles taken.

Utes dominated the top three theft targets, with the Toyota Hilux claiming first and second place. The Toyota Landcruiser 70 closed out the top three.


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.

Get the latest car insurance news

More guides on Finder

Ask a Question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our 1. Terms Of Service and 6. Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Go to site