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.
We currently don't have that product, but here are others to consider:
How we picked theseAs part of the 2026 car insurance awards, Finder's experts researched 41 popular car insurance providers in Victoria to find which policy offers the best value for money.
According to our research, Budget Direct offers the best value policy for drivers in Victoria.
Keep in mind, the best car insurance for you will depend on your personal circumstances and the level of cover you need. The top pick below should be used as a guide only.
Research from Finder's 2026 car insurance awards found Bingle car insurance was one of the most budget-friendly car insurance for drivers in VIC.
We currently don't have that product, but here are others to consider:
How we picked theseIn Victoria, Compulsory Third Party is included with your rego. It's called the transport accident charge and it appears on the 'Registration Renewal Notice' VicRoads sends out.
The CTP insurance covers you for the injury or death caused by your vehicle to another person.
Make sure you renew your rego prior to the expiration date each year to ensure you are covered.
There are two other types of optional third party you can also purchase for your care, which include:
We sourced 40+ quotes from 37 popular car insurance providers in Victoria. Below is a breakdown of the pricing. Keep in mind, these quotes are based on a fictional driver and your own costs will differ.
We currently don't have that product, but here are others to consider:
How we picked theseWe currently don't have that product, but here are others to consider:
How we picked these
Here's a guide to getting affordable car insurance that will still cover the essentials.
How to stay up to date with your car insurance and avoid any hassle.
Read our guide to getting car insurance if you are an older driver looking for cover.
RACQ offers strong benefits and service, but drivers can expect to pay higher premiums and a joining fee.
With 5% off for seniors, budget-friendly policies, and some uncommon benefits, Australian Seniors is worth considering.
Find out what car insurance options are available for rideshare drivers, including Ubers.
Coles car insurance is a budget-friendly option for young people, but older drivers may be able to find cheaper cover elsewhere.
This article runs through the ins and outs of choosing a good third party property damage car insurance policy.
With a higher-than-average price but no particularly impressive benefits, Allianz was outperformed by many other car insurers in the 2024 Finder Insurance Awards.
Explore our analysis and see how you can find the best car insurance for your needs.
I moved 1 street, same suburb, car insurance advised additional $150 and $130 for each car payable for remaining 6 and 8 months of premium. I asked why this happens when in same suburb, reply was number of claims for actual address taken into account. I am being insured as the driver with my own unblemished history, not past tenants of a property, why is more than suburb considered? or is this just discrimination for rental property as cannot control what other drivers claim or how they drive?
Hi Su
Hi there, this is Nikki. Welcome to finder – the leading comparison website & general information service built to give you advice in your buying decision needs. How are you doing today?
I’m sorry to hear about this. I can see your frustration. As much as we want to assist you on this, you’d have to check the terms and conditions on your insurance policy as this may suggest if your address would affect any claims / payables in premiums.
Please note that we’re a product comparison website and we hold no affiliation with any company we feature on our site. We provide general information on products to assist you in your buying decision process hence we cannot recommend product / service that is rightfully fit for you.
Hope this helps! Feel free to message us anytime should you have further questions.
Cheers,
Nikki
I’m looking at buying comprehensive car insurance for my 23yo daughter – car previously insured in my name – I’m finding the quotes from Bingle to be $200-$400 cheaper that other insurance companies.
Am I missing something or are they really that much cheaper?
Hi Peter,
Thanks for reaching out to us. Please note that we are not affiliated with any company we feature on our site and so we can only offer you general advice.
You can check these pages also for helpful information and you may compare your options:
Please click the name of your preferred insurance to find out the details. You may then select the “Get Quote” button to direct you to their official site and get a quote from them.
Hope this information helped.
Best regards,
Rench
Hi,
I think you misunderstood my question. I have done all the comparisons and obtained quotes and as best as i can, i have tried to apply the same criteria to each quote. They are all much the same price, between $1100 and $1400 with the exception of Bingle. The Bingle quote, depending in the variable excess, is around $830 – $950, roughly $200-$400 cheaper than the others.
I have been through the pds for Bingle and it appears to be no different to the other companies so i was wondering, with your experience, whether you know of any reason why Bingle is substantially cheaper?
Thanks,
Peter
Hi Peter,
Thank you for clarifying that.
I understand. Bingle car insurance is issued by AAI Limited, which is part of the Suncorp Group. They are one of the company car insurances that we feature on our site. There is no need to worry. The fact that they are cheaper than others, that is one of their plus points to car insurance seekers. You may check more info on these page reviews:
Be sure to read through the terms, conditions, and features of the policies you’re interested to ensure you’re getting the right one for you.
I hope this helps.
Best regards,
Rench
I love all the options displayed but looking for comprehensive with road side assistance in all states. Can I have this as an add on option?
Hi Mandy,
finder.com.au is a comparison and information service and not actually an insurer.
The table on our comprehensive car insurance page lists some of the insurers in our panel who provide cover for 24/7 roadside assistance.
You can also get in touch with your chosen insurer directly and confirm if they can provide the cover you’re looking for.
All the best,
Zubair