Best car insurance QLD
We compared 32 car insurance providers in Queensland and narrowed it down to the top 2. Here’s our pick of the bunch.
Key takeaways
- The average comprehensive policy in QLD costs $1,686, but our research found cheaper options are available.
- Your compulsory third party (CTP) insurance is included with registration but it does not cover damage to any vehicles.
- Queensland-specific insurers like RACQ are not always the cheapest option, so it pays to compare national brands.
Whether you're buying car insurance for the first time or looking for a better deal, we can help. We've analysed dozens of policies to help you find the right cover for your circumstances in the Sunshine State.
- Your compulsory third party insurance is included in your registration. If your car is registered, then you already have CTP. If your car is unregistered, you will need to purchase CTP before you can register it. Read more about purchasing CTP in Queensland.
- CTP is the only compulsory form of car insurance you need in Queensland. For extra protection, you can buy third party property damage, third party fire & theft or comprehensive car insurance. In this guide, we looked specifically at insurance for Queenslanders.
- Queensland-specific insurers, such as RACQ, aren't always cheaper or better than those who cover all of Australia. We'd suggest looking at at least 3-5 other car insurance providers to understand what's out there. We can help you with that!
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Our picks for the best comprehensive car insurance in QLD
We assessed comprehensive policies from 32 providers to find our top picks for Queensland drivers. Our selections are based on a combination of value for money, policy features and any available discounts.
Top comprehensive car insurance policies for Queenslanders
To find our top policies, we've assessed policies by:
Value: This looks at policies with great value for money. These policies have thorough coverage with generous benefit limits but remain well priced.
Features: This looks at policies with all the bells and whistles. It's for those who care more about what the policy can offer, and have more room in the budget for a higher coverage policy.
"After 7 years with my QLD car insurance provider, I checked out quotes on Finder and found a cheaper price. Despite my years of loyalty, my current provider wouldn't offer any discounts. I switched to Budget Direct and am now saving $180/year. Loyalty may not pay, but switching sure does!"
How much is car insurance in QLD?
The price you pay for car insurance in Queensland depends on your personal circumstances, the car you drive and the level of cover you choose. However, our research can give you a general idea of what to expect.
On average, Queensland drivers pay $1,686 per year for a comprehensive policy. For more basic cover, a third party property damage policy costs an average of $506, while a third party fire and theft policy costs around $535.
Several key factors will influence your final quote:
- Your car. The make, model and age of your car are significant factors.
- Your address. Where you live and park your car in Queensland can affect your premium, with higher-risk postcodes costing more.
- Your age and driving history. Younger, less experienced drivers typically face higher premiums.
- Your chosen excess. Opting for a higher excess can lower your premium, but you'll pay more if you need to make a claim.
Third party car insurance in QLD
CTP insurance in Queensland
Compulsory third party (CTP) insurance provides cover for personal injuries that were caused by motor accidents and is mandatory in Queensland. It's governed by the Motor Accident Insurance (MAI) scheme and can be purchased via private insurers including Suncorp, Allianz and QBE. In Queensland, CTP is included in your registration — if your car is registered then you already have CTP. If your car is unregistered, then you'll need to purchase CTP before you can register it.
Cost of CTP insurance in QLD
The cost of CTP insurance in QLD is set by the Motor Accident Insurance Commission (MAIC) and distributed through private insurers. We tried to source online quotes from Suncorp, Allianz & QBE. Only Suncorp and Allianz returned a quote online; $409.80 and $404.80 respectively for 12 months of CTP cover. This is accurate as of March 2026. Your own cost will differ based on the type of vehicle you drive and your eligibility for some rebates.
So that covers off CTP. Next up, you need to decide if you want additional cover.
If you don't need comprehensive cover then third party property damage and third party fire and theft cover are both excellent budget-friendly options.
What's included in third party car insurance?
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.
Third party car insurance costs
We sourced over 40 quotes across more than 30 car insurance products in Queensland. To keep things clear, we've split quotes into two categories: third party only and third party, fire & theft. Remember, these quotes are based on a fictional driver and your own quote will differ. To see how we got these quotes, read our car insurance methodology.
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These quotes are accurate as of March 2026
How can you find cheaper car insurance in QLD?
While insurance costs are rising, there are still ways to get a better deal on your policy in Queensland.
- Compare multiple quotes. Don't assume a Queensland-specific insurer like RACQ will be cheapest. Our research consistently shows that getting quotes from at least 3-5 different national providers can lead to significant savings.
- Increase your excess. Agreeing to pay a higher excess in the event of a claim can reduce your annual premium. Just make sure you can afford the excess amount if you need it.
- Pay annually. Insurers often add a surcharge for paying your premium in monthly instalments. Paying for the year upfront can save you money.
- Look for online discounts. Many insurers, including Budget Direct, offer a discount of up to 15% for policies purchased online.
- Restrict drivers. If you can exclude drivers under a certain age (e.g., 25) from your policy, you may receive a lower premium.
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i have AMC Jeep CJ7 1980 modified with new engine and transmission. The car has full engineering sign off for the mods and is of show car standard, full rebuild complete.
Who would cover to agreed value, the few like budget direct do not.
Hi Robert, Check out our guide to classic car insurance to see which providers offer this kind of specialised cover. For an agreed value policy, you may well need an independent valuation.
I have just received invoice for renewal of insurance for our two family cars. (Also have house and contents insurance with same company,)
I note premium has increased 20.5% over last year`s premium. Is this reasonable? Should I seek quotes from eleswhere?
Hi Alan,
Thanks for getting in touch!
While we review car insurance options on our pages, it’s helpful to know that the best people to reach out to about your premiums increasing is an insurance broker. Aside from them acting as a middleman between the provider and consumer, they use their knowledge to shop around for car insurance deals and negotiate with insurers on your behalf.
As a friendly reminder, carefully review the Product Disclosure Statement of the product before applying. You may also contact the insurance provider should you have any questions about their policy.
Hope this helps and feel free to reach out to us again for further assistance.
Best,
Nikki