Cheap car insurance in Australia – January picks

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A car with a shark on top

Finding the cheapest car insurance for you will depend on your personal circumstances and the level of cover you're after. Our experts have chosen a bunch of picks that will be great for a range of people, but these should only be used as a guide. You should always read the product disclosure statement (PDS) to know which car insurance is a good fit for you and your budget.

Cheap car insurance in February 2025

Car insurance methodology

Cheap car insurance with great customer service: Youi

Youi car insurance

Best customer satisfaction winner 2023

Our verdict

Youi comprehensive car insurance is a competitively priced policy that gives you a lot for your money. It's a good option if you value good customer service and want to avoid big out-of-pocket expenses. If they don't quote you a price you're happy with, give them a call. This strategy has been tried and tested by several of the Finder team.

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Cheap car insurance with great value: Budget Direct

Budget Direct comprehensive car insurance
Best value car insurance 2024

Our verdict

Budget Direct is a great all-rounder. It's good if you want a cheap policy that's good value for money.

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Cheapest car insurance: Bingle

Bingle car insurance logo
Best low cost car insurance 2024
Our verdict

Bingle comprehensive car insurance is a very cheap option — that's why it won the 2024 Finder car insurance award for low cost. The catch? It only covers the essentials and it has an all-online customer service and claims team.

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Cheap car insurance for young drivers: ROLLiN'

Rollin' car insurance
Our verdict

ROLLiN' is cheap for young drivers. It's good if you're in your 20s and you can cancel any time.

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How much are Aussies spending on car insurance?

Every month, we ask hundreds of Australians what they're paying for car insurance. To show you how age impacts the cost of your monthly premium, we've broken these numbers down by generation. Here's what their bill looked like in January 2025.
  • Baby boomers: $97
  • Gen X: $129
  • Gen Y: $142
  • Gen Z: $162
Price based on 700+ responses about their monthly premium in January 2025.

Cheap car insurance

Comprehensive car insurance is the only level of cover that protects your car as well as others. On average, prices start from around $862 per year, according to Finder research. Below is a list of the top 5 cheapest car insurance policies, per that research.

ProviderAdjustable excessRestricted driver optionOnline sign up discount/bonusesAgreed or market valuePriceApply
Picture not described
Market
$862.24 Get a quote
Rollin' car insurance
Agreed
$885.76 Get a quote
Hume Bank Logo
Agreed or Market
$958.52 More info
Budget direct logo
Agreed or Market
$992.46 Get a quote
St. George
Agreed or Market
$1,036.01 More info

Cheap car insurance in your state

Finder sourced over 1,800 car insurance quotes based on multiple driver profiles from 30+ comprehensive policies. We've broken our research down by state — these are the cheapest policies. Keep in mind, costs differ based on your own circumstances.

Truck crush

Cheap comprehensive car insurance

ProviderPriceApply
Bingle logo$848.87Get quote
Koba$863.47More info
Rollin' car insurance$1,102.26Get quote
Budget direct logo$1,279.73Get quote
Virgin Money$1,304.49More info
Truck crush

Cheap comprehensive car insurance

ProviderPriceApply
Koba$720.32More info
Rollin' car insurance$729.82Get quote
Bingle logo$788.34Get quote
AAMI car insurance$911.60More info
Budget direct logo$921.20Get quote

Truck crush

Cheap comprehensive car insurance

ProviderPriceApply
Bingle logo$1,034.15Get quote
Koba$1,035.74More info
AAMI car insurance$1,053.82More info
Budget direct logo$1,163.76Get quote
GIO$1,259.28More info

Truck crush

Cheap comprehensive car insurance

ProviderPriceApply
Bingle logo$638.88Get quote
Rollin' car insurance$794.90Get quote
AAMI car insurance$810.81More info
Budget direct logo$861.08Get quote
Koba$873.03More info

Truck crush

Cheap comprehensive car insurance

ProviderPriceApply
Bingle logo$669.13Get quote
Rollin' car insurance$716.70Get quote
AAMI car insurance$815.88More info
Budget direct logo$856.75Get quote
Virgin Money$873.89More info

Truck crush

Cheap comprehensive car insurance

ProviderPriceApply
Bingle logo$623.32Get quote
Rollin' car insurance$762.04Get quote
Koba$868.46More info
AAMI car insurance$874.00More info
Budget direct logo$939.98Get quote

We didn't include quotes for NT and ACT because the sample size was too small.

Tips for finding cheap car insurance

  • Compare online. Loyalty doesn't pay with car insurance – the best value policy today might be more expensive when it renews next year. Shop around and you could save hundreds of dollars.
  • Restrict drivers. Choosing not to let drivers under 25 drive your car can lead to a premium saving.
  • Choose a higher excess. You'll have to pay more upfront to make a claim, but taking a higher excess will lower your regular premiums.
  • Pay annually. Some car insurers offer discounts if you're able to pay your annual premium upfront rather than in monthly instalments.
Peta Taylor's headshot

"When I got my renewal notice, my car insurance premium was due to increase by 21%. I got quotes from 5 other providers and then called my existing provider to let them know I was thinking of switching. They immediately knocked about $200 off the renewal cost and became the cheapest provider of those I'd researched. Not only did I get a cheaper deal, I got to stay with the insurer of my preference and didn't have to compromise on any features."

Associate publisher

Frequently asked questions about cheap car insurance

Jason Loewenthal's headshot
To make sure you get accurate and helpful information, this guide has been edited by Jason Loewenthal as part of our fact-checking process.
Gary Ross Hunter's headshot
Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise
Gary Ross has written 637 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living
Peta Taylor's headshot
Co-written by

Publisher of Insurance

Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio

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