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Car insurance SA

We've analysed 199 quotes from 32 car insurance companies to help you find cheap car insurance in South Australia.

Compare car insurance in SA

NameRoadside assistanceAccidental damageChoice of repairerAgreed or market valueYearly cost to insure a small carApply
Bingle logo
Market$623.32Get quote
Rollin' car insurance
Market$762.04Get quote
Market$868.48More info
Agreed or Market$874.00More info
Budget Direct LogoOptional
OptionalAgreed or Market$939.98Get quote
OptionalAgreed or Market$946.01Get quote
Virgin MoneyOptional
OptionalAgreed or Market$958.27More info
Nab Logo
Agreed or Market$969.89More info
Hume bank logo
Agreed or Market$974.22More info
PD pet insuranceOptional
Market $987.87More info

Top pick for value: Youi comprehensive car insurance

Youi car insurance
Best car insurance features winner 2023

What we like about Youi

  • Youi ranked number 1 in SA for value in our Finder Awards. It covers more than most insurers but typically costs less. For example, it's the only car insurance provider out of 32 to automatically include roadside assistance with its comprehensive policy and it also won the national 2023 Finder Car Insurance Award for best features.
  • It covers accidental damage, theft, towing costs and new car replacement if yours is written off within the first 2 years of it being registered.
  • It's one of the cheaper policies on the market. Youi comprehensive car insurance costs an average of $640 per year in SA. That makes it the fifth cheapest insurer out of the 32 we researched.
  • It only pays for the first 2 call-outs in a year. Standalone roadside assistance policies usually cover all call-outs.
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Best for price: Bingle comprehensive car insurance

Bingle car insurance logo

What we like about Bingle

  • Bingle consistently offers the cheapest comprehensive car insurance out of the 32 providers we researched. It had an average cost of $482 per year in South Australia. That's over $57 less per year than PD Insurance, the second cheapest insurer in SA.
  • It covers the essentials including fires, theft, floods and accidents, plus accidental damage to other people's cars and property.
  • If you're looking for lots of additional inclusions with your car insurance, look elsewhere. Bingle is cheap because it covers damage to your car and others but not much else.
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Updated April 2023

Types of car insurance in SA

There are 4 types of car insurance available in South Australia.

  • CTP. The bare essentials. Everyone in SA is legally required to have compulsory third party insurance. If you injure someone on the road, CTP will pay for their medical care.
  • Third party. If you hit someone else's car or property while driving, third party insurance covers the damage. It won't pay to fix your car though.
  • Third party fire and theft. This covers damage to other cars and property, like third party insurance, and your car if it is stolen or damaged by fire.
  • Comprehensive. This is the only type of car insurance that covers damage to your own vehicle. Comprehensive also pays out for weather damage, vandalism, theft and more.

How to find cheaper car insurance in Adelaide and regional SA

Number 1

Use online discounts

Lots of insurers offer a first-year discount simply by buying online. These can knock a lot off your first 12 months. Keep an eye on them increasing prices substantially the following year though (and switch if they do hike your prices up).

Number 2

Consider pay as you drive car insurance

If you don't drive that far each year, you might want to look into pay as you drive car insurance. This could be especially useful if you're in Adelaide and generally don't need to travel far.

Number 3

Raise your excess

A higher car insurance excess can significantly reduce your premiums. As long as it's still affordable, you may want to raise your excess.

Here's a really simple way to save money on your car insurance. Call your insurer and tell them you're considering leaving because of the price. Lots will offer to lower it. If they don't – that's not a big deal either because you probably can find a cheaper price elsewhere.

How much does car insurance cost in SA?

AgeAverage price

Why you can trust Finder's car insurance experts


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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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