Car insurance in South Australia

Whether you're on a road trip to the Barossa or driving down King William Street, comparing car insurance policies in SA is essential to finding the right fit and price. However, protection goes far beyond minor accidents. With the state facing increasing risks from destructive winds, floods, and sudden, severe hailstorms you'll need coverage that's tailored to the local environment.

Car insurance costs in SA: Who has the cheapest price?

According to the most recent Finder research, car insurance in South Australia costs an average of $1,868. We've made a list of the top 10 cheapest policies below.

Keep in mind, these quotes are based on a specific profile and your own quote will differ. It's best to get quotes from a range of providers to find the best car insurance for your needs.

See our methodology for collecting quotes.

Provider	SA average	Get a quote
Bingle	$710	Get quote
ROLLiN'	$1,143	Get quote
ALDI	$1,924	More info
Bank of Queensland	$1,306	More info
AAMI	$1,317	More info

To note: We researched pricing for RAA, however it was not any cheaper than many of the nation-wide providers.

What type of car insurance do South Australians need?

Compulsory third party car insurance (CTP) is the only mandatory form of car insurance that you need. It protects drivers from the financial impacts of causing injury or death in a car accident anywhere in Australia.

For South Australians, your CTP is already included in your registration fees. So provided you've organised your rego, you will have CTP already.

Keep in mind, CTP insurance does not cover damage to your car or damage you cause to other peoples property. See how this can be covered in other types of car insurance below.

Type of Insurance	Your car covered	Other person’s property or car	Theft or fire damage
Comprehensive Insurance	✔️	✔️	✔️
Third Party Property Damage	❌	✔️	❌
Third Party Fire Theft	❌	✔️	✔️

Tips to Find Cheaper Car Insurance

Maximize Online Sign-Up Discounts

Many insurers offer substantial initial discounts, often ranging from 15% to 30%, simply for buying your policy online. These quick savings can easily amount to hundreds of dollars, making the digital application the cheapest route.

Negotiate with Your Current Insurer

Before switching, call your existing provider and inform them you are considering leaving due to the premium price. Insurers often have retention budgets and may immediately offer you a discount or match a competitor's quote to keep you as a customer, saving you the hassle of switching entirely.

Adjust Your Excess to Lower Your Premium

The amount you agree to pay out-of-pocket for any claim (the **excess**) has an inverse relationship with your yearly premium. By choosing a **higher excess**, you lower your premium. However, ensure the higher excess amount is something you can comfortably afford to pay immediately if you need to file a claim.

Always Compare Quotes from Multiple Providers

The most effective way to guarantee savings is through market comparison. Get quotes from at least **three to five different providers** to understand the true market value of your desired coverage. Relying on your renewal notice without comparing alternatives means you are likely missing out on hundreds in potential savings.

FAQs

• What car insurance do you need in South Australia?

  Compulsory third party insurance is the only mandatory insurance and it's already included as part of your rego.

• What's the cheapest car insurance in South Australia?

  According to the latest Finder research, Bingle offers the most affordable car insurance cover for South Australians. Keep in mind, this is using a specific driver profile and your own quote will differ.

• Why comprehensive cover matters for SA hail season

  Comprehensive car insurance is crucial for the SA hail season (Late Spring, Summer, and Early Autumn) because it covers the expensive damage from hail (a natural disaster), which standard third-party policies exclude. This coverage protects you from significant out-of-pocket costs for repairing dents and broken glass.

• Does my comprehensive policy include CTP insurance in SA?

  No, your Comprehensive policy does not include CTP insurance in South Australia. CTP (Compulsory Third Party) Insurance is mandatory by law and is purchased when you pay your vehicle registration fee to the state government. Comprehensive Car Insurance is optional and is purchased separately from a private insurer.

• Can I choose my CTP insurer when I renew my registration in South Australia?

  Yes, South Australia is one of the states where you can choose your CTP insurer. Since a market-based CTP scheme was introduced in 2016 (and fully implemented in 2019), SA motorists have the freedom to select a provider from a list of government-approved CTP insurers each time their vehicle registration is renewed.