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Cheap car insurance that’s not a lemon

Everybody loves cheap, no body loves junk. We spent 250+ hours (seriously), getting 1,800 quotes to bring you the good stuff.

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Finding the cheapest car insurance

Our car insurance experts have selected a handful of cheap comprehensive car insurance options based on 2024 Finder Awards research. You can also compare third party car insurance options below.

Keep in mind, these are the insurers that typically offer the cheapest options according to our research – but your prices will differ depending on your age, driving history, the car you drive and the the state you live in.

Why you can trust our research


policies analysed


quotes gathered


hours of research

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.

Get a quote

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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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.

ProviderAdjustable excessRestricted driver optionOnline sign up discount/bonusesAgreed or market valuePriceApply
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$862.24Get a quote
Rollin' car insurance
$885.76Get a quote
Hume Bank Logo
Agreed or Market
$958.52More info
Budget direct logo
Agreed or Market
$992.46Get a quote
St. George
Agreed or Market
$1,036.01More info

Cheap third party car insurance

Third party property damage car insurance is a cheaper alternative to comprehensive car insurance. Keep in mind though, third party policies are cheaper because they don't cover damage to your own car.

1 - 4 of 15
Name Product Roadside assistance Accidental damage Storm Choice of repairer Agreed or Market Value
Budget Direct Third Party Property Only
⭐ Current offer: Save 15% on your first year's premium when you purchase a new policy online. T&Cs apply.

Who it might be good for: Drivers who only want cover for damage to another person’s vehicle and up to 15% off your first year.
Youi Third Party Property Damage
⭐ Current offer: Covered up to $5,000 for accidental damage to your car caused by an uninsured third party.

Who it might be good for: Drivers who want a reliable insurer. It was the 2022 Insurer of the Year for Customer Satisfaction.
Bingle Third Party Property Damage
Who it might be good for: Drivers who want a cheap policy and cover for damage to other people’s vehicles (but not your own car). It can also cover rideshare drivers.
Qantas Third Party Property Only
Earn Qantas Points when you sign up. T&Cs apply.

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

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

Cheap comprehensive car insurance

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

Truck crush

Cheap comprehensive car insurance

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

Truck crush

Cheap comprehensive car insurance

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

Truck crush

Cheap comprehensive car insurance

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

Truck crush

Cheap comprehensive car insurance

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

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

Finder survey: Do Australians feel comprehensive car insurance is good value for money?

Source: Finder survey by Pure Profile of 1006 Australians, December 2023

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.
  • Keep your car in a garage. Your car is safer if it's kept in a garage or in an off-street parking spot, so your premium should be less.
  • Pay-as-you-go. If you don't use your car much, consider a pay-as-you-drive insurance policy. It can be a cheaper alternative if you drive fewer than 15,000km per year.

Are you spending more than the average Aussie?

Australians spent an average of $117 per month on car insurance in October 2023, according to our consumer sentiment tracker – but it may be possible to lower costs to less than $70. Boomers pay the least ($91); while unsurprisingly Gen Z pays the most ($157). Females consistenly tend to pay more than males ($127 versus $109 in October).

Peta Taylor

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.
— Peta Taylor , Finder publisher and car owner

Expert tips on finding cheap car insurance

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Insurance premiums are on the rise

PocketSmith's Global Household Spending Snapshot shows monthly spending on general insurance in September 2023 was 4% higher than September 2022, equating to a dollar value of $15. This adds up to be an annual dollar value of around $180. In a landscape where every cent counts, comparing your options is crucial.

Why you can trust Finder's car insurance experts


We're free

You pay the same as buying directly from the car insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
expert advice

We're experts

Our team of car insurance experts have researched and rated dozens of policies as part of our Finder Awards and published 330+ guides to make it easier for you to compare.

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of car insurance brands, making it easier for you to find a good deal.

We're here to help

Since 2014, we've helped 300,000+ people find car insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

Frequently asked questions about cheap car insurance

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