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4.6 based on 835 reviews
10 of 154 results
Finder Score Price Score Feature Score Agreed or market value Choice Of Repairer Roadside assistance
6.5/ 10
Standard
9.5/ 10
Excellent
Agreed or Market
No
7.4 Great
Summary: A great value policy with exceptional customer service. It also automatically includes roadside assistance with comprehensive policies in its price - a feature that typically costs upwards of $90 per year.
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9.0/ 10
Excellent
8.5/ 10
Great
Agreed or Market
No
Optional
8.9 Great
Discount: Save $50 on a comprehensive car insurance policy with a first year online discount. T&Cs apply.
Summary: AAMI's comprehensive policy includes cover for legal standard modifications and accessories and up to $20 million liability cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available.

Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.
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9.9/ 10
Excellent
8.5/ 10
Great
Agreed or Market
Optional
Standalone
9.5 Excellent
Discount: Receive 15% off your first year's premium when you purchase cover online. T&Cs apply.
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Budget Direct logo
9.9/ 10
Excellent
Budget Direct Comprehensive
Finder Award
9.9/ 10
Excellent
9/ 10
Excellent
Agreed or Market
Optional
Standalone
9.6 Excellent
Discount: Receive 15% off your first year's premium when you purchase cover online. T&Cs apply.
Summary: Budget Direct Comprehensive is highly commended as a feature-packed car insurance. It's cheaper than most, plus you can lower costs by adding age restrictions.

Who it might be good for: Anyone who wants a good value policy.
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Qantas Car Insurance logo
9.5/ 10
Excellent
Qantas Comprehensive
9.5/ 10
Excellent
9/ 10
Excellent
Agreed or Market
Optional
Optional
9.4 Excellent
Bonus points offer: Earn up to 50,000 Qantas Points with every car insurance policy. Ends 5 November 2026. Plus save 15% on your 1st year’s premium when you purchase online. T&Cs apply.
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).

Who it might be good for: People who want more bang for their buck with Qantas Points.
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Coles logo
9.5/ 10
Excellent
Coles Comprehensive Insurance
9.5/ 10
Excellent
9/ 10
Excellent
Agreed or Market
Optional
Optional
9.4 Excellent
Discount: Save 15% off your first year’s premium when you take out a new Coles Car Insurance policy online. T&Cs apply.
Summary: Coles Comprehensive Car Insurance includes the benefits you'd expect, plus features like grocery replacement (up to $200 if damaged or stolen. T&C's apply).

Who it might be good for: Those who want great quality cover and unique policy benefits.
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Kogan logo
8.0/ 10
Great
Kogan Comprehensive
8.0/ 10
Great
9/ 10
Excellent
Agreed or Market
Yes
8.3 Great
Discount: Get up to 10% off your first year's premium when you apply online and $10 monthly Kogan credit (valid on $100+ purchases) for active policyholders. T&Cs apply.
Summary: Kogan comes with all the perks that most comprehensive car insurance policies include, but you’ll also be entitled to some benefits from its online store. This usually comes in the form of a gift voucher or discount if you buy online.

Who it might be good for: Kogan shoppers and those after a good range of policy options.
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Bingle logo
9.5/ 10
Excellent
Bingle Comprehensive
9.5/ 10
Excellent
8/ 10
Great
Market
No
9.1 Excellent
Summary: Bingle car insurance delivers decent coverage across the basics, such as damage to your car, theft and storms.

Who it might be good for: Drivers looking for a no-frills policy with accessible coverage options.
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ROLLiN' logo
8.5/ 10
Great
ROLLiN' Comprehensive
8.5/ 10
Great
8/ 10
Great
Agreed
No
8.4 Great
Summary: Offers flexible monthly cover with no age-based excess for under-25 drivers.

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.
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Huddle logo
7.0/ 10
Great
Huddle Black Comprehensive
7.0/ 10
Great
9.5/ 10
Excellent
Agreed or Market
Yes
7.8 Great
Summary: This goes further than most insurers. You get up to 2k for stolen keys, roadside assistance and rental car excess cover (for car rentals in Australia).

Who it might be good for: Those who want top cover for their car.
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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. While we are not allowed to display actual quotes, our Finder Score aims to serve as an indicative guide to how cost and feature 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.

Read the full methodology

How the Finder Score is calculated

The Finder Score combines the Price Score of the persona closest to the customer with the Feature Score. The two halves are weighted dynamically, based on whether the customer says price or features matter more in the quiz. If a customer skips the quiz, the score is 50% Price Score (using the average price across all 108 personas) and 50% Feature Score.

Read more about how we calculate the score

Quote collection

Each quarter we gather quotes for a sample of 108 personas across around 40 insurance providers, for each product type we rate. Quotes are collected on a consistent set of policy settings so that price differences reflect the insurer, not the inputs.

The quotes we collect exclude offers and discounts. Introductory offers, online discounts, bundling and loyalty savings are not applied, so the price a customer is offered may be lower than the quote used in our comparison.

How the 108 personas are built

The personas span the factors that most influence a car insurance premium. They are the full combination of six states, two genders, three age points and three representative vehicles.

6states × 2genders × 3ages × 3vehicles = 108personas
Persona dimensions
Dimension Levels Values sampled
State / territory 6 NSW, VIC, QLD, SA, WA, TAS
Gender 2 Male, Female
Age 3 20, 30 and 60 years
Vehicle 3 Toyota Corolla, Tesla Model 3, Toyota RAV4

Each persona is a garaged, capital-city driver in the relevant state. Vehicles were chosen to represent popular car types on Australian roads: a small hatch, a battery-electric sedan and a mid-size SUV.

Vehicles sampled
Ref Make & model Specification Year
Car 1 Toyota Corolla Ascent Sport MZEA12R FWD 2.0i, petrol, automatic 2021
Car 2 Tesla Model 3 Long Range AWD 366kW, electric, automatic 2023
Car 3 Toyota RAV4 GX AXAH52R FWD 2.5i / 160kW, petrol, automatic 2025

Standing quote assumptions

To keep quotes comparable, the same driver, vehicle and policy assumptions are held constant across every persona.

Assumption Value
ExcessClosest available to $850
Annual distance driven15,000 – 25,000 km (by vehicle)
UsePrivate, with occasional commute to work
ParkingGaraged at the home address
Licence typeUnrestricted, obtained at age 18
Driving historyNo prior accidents, claims or demerit points
Previous insurerNot specified
Age restriction on coverAge 20: none; ages 30 and 60: drivers under 25 excluded
Modifications / financeNone

Matching customers to a persona

On Finder's car insurance pages, each customer is matched to the closest relevant persona based on their state, gender, age and vehicle type. That persona's set of quotes is used to compare the product's price against the market.

Average vs personalised Price Score

The same quote data supports two views of price:

Average Price Score
An average across the persona sample, used to calculate the Finder Score shown on our car insurance landing pages.
Personalised Price Score
A more tailored score shown in our quiz, which narrows the comparison to the personas that best match the individual's gender, state, age bracket and car type.

Both views are approximations and are displayed as a score out of 10 only. Neither is a quote, and neither is accompanied by a dollar figure.

The Feature Score

The Feature Score measures how a product's cover compares to the market. Our experts identify the key features that matter most for each type of car insurance, score each product's features against comparable products, and weight them by how important each feature is to the average customer.

Things to keep in mind

The Finder Score is a general guide, not a personal recommendation. It is based on a representative sample of drivers and policy settings, so an individual quote may differ from the sampled personas. The Price Score is an approximation of a product's price position, not a quote: no dollar value or average quote is shown, and the price offered to a customer depends on their history, car model, location, age and other factors. Feature scores reflect a product's published cover rather than every term, limit or exclusion in the Product Disclosure Statement.

Before taking out a policy, always read the relevant Product Disclosure Statement and Target Market Determination and consider whether the cover suits your own circumstances.

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