CGU offers good comprehensive car insurance cover at a reasonable price point. However, young drivers can likely find cheaper car insurance options elsewhere.
According to our 2024 Finder car insurance awards research, CGU offers affordable policies that are usually cheaper than average. However, this isn't the case with young drivers, who face particularly high premiums with CGU. It's worth comparing multiple car insurers to find the best fit for your needs.
Keep in mind, the best car insurance for you may depend on more than price.
| Insurer | NSW | QLD | SA | TAS | VIC | WA | Australia average | Apply |
|---|---|---|---|---|---|---|---|---|
 | $1,977 | $1,375 | n/a | $1,342 | $2,560 | n/a | $1,209 | |
 | $1,148 | $941 | $978 | $829 | $1,180 | $880 | $992 | Get quote |
 | $1,640 | $1,307 | $1,087 | $1,155 | $1,599 | $1,363 | $1,359 | Get quote |
 | $1,884 | $1,106 | $1,015 | $985 | $1,318 | $1,002 | $1,218 | More info |
 | $2,027 | $1,154 | $1,038 | $1,004 | N/A | $1,034 | $1,043 | More info |
About our car insurance methodology
We currently don't have that product, but here are others to consider:
How we picked theseWe 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. We use your responses to our quiz to pair you with the closest price profile and while we are not allowed to display actual quotes, our price score aims to serve as an indicative guide to how cost 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.
Depending on your answers to our car insurance quiz, we upweight the relevant price score or feature score to generate a dynamic Finder Score (80% weighting on the primary selection between Price or Feature). Finder Score, Price Score and Feature Score are only to be used as indicative guides and are not product recommendations.
CGU offers three optional add-ons to strengthen your car insurance policy -
Drivers who text are 10 times more likely to crash yet a large number of Australians still do it.
Learn the factors that may cause you to be considered a high-risk driver and whether you might be eligible for cover.
RACQ offers strong benefits and service, but drivers can expect to pay higher premiums and a joining fee.
Living in the ACT? Here’s all you need to know about car insurance.
Find out what car insurance options are available for rideshare drivers, including Ubers.
Your guide to car insurance when you've been convicted of drink driving.
Complete guide to getting car insurance for learner drivers in Australia.
Compare car insurance policies in SA and get a quote online.
Find out what short term car insurance options are available in Australia.
Is it time to make the switch? If you're not happy with your current car insurance provider then the answer might be yes.
How many times can an under 25 drive my car, does it cost more money to put their name on the policy.
I am a senior pensioner and would like my grandson to be able to drive my car in emergencies.
Hi Mr. Rogers,
Thanks for leaving a question on finder. Under all of CGU motor policies, under 25s are able to drive in the event of a medical emergency. If an under 25 is going to be driving in other circumstances then this will cost more than a Named Driver policy.
Joel
could you please send me an address to send claim forms from another insurance company these forms are for a claim
Hi Teena,
Thank you for your inquiry.
You have contacted finder.com.au a comparison and information service and not actually CGU Car Insurance.
You will need to contact CGU Car Insurance directly about this matter.
Cheers,
Zubair
Hi
I am about to purchase a new car the first I have own for a few years as I have had company only cars for the last 10 years.
for a period i kept my old car and finally got id og it in 2010 or 11 I cannot remember.
I held insurance with CGU for 10+ years through the VRI so the issue I have as a former customer with no claims I assume that when my policy finished I was a rating one. I know need to get insurance and need a Certificate if currency to state I was a rating one driver. I have not decided on who I will insure with, most likely CGU but I really like to know if 1 do I keep and rating I had the last time I insured with CGU, secondly can I obtained this certificate (and how do I do this)
Hi Peter,
Thanks for your question. finder.com.au is a comparison service and not an insurer and CGU is not in the panel of car insurance brands we have access to. If you would like to speak with CGU, you can do so by calling 13 24 81.
All the best,
Richard
Your FAQs states that learner drivers are covered, but my policy states that we will not be able to claim if the driver is under 25. Will my kids be able to drive under this policy or not? They will turn 16 during the next year and will be on their L plates.
Jean
Hi Jean,
Thanks for your question.
According to the CGU Car Insurance website (FAQs section near the bottom of the page):
“Learner drivers are covered under all CGU Motor Vehicle policies. If you have chosen one of our Nominated Driver policies, the learner driver must be accompanied by a fully licensed driver aged 25 years or more.”
While we do not have any affiliation with CGU Insurance, it would be best to contact them directly. Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy.
I hope this was helpful,
Richard