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.
Bingle offers the cheapest comprehensive car insurance policy, according to Finder research. Its average policy costs around $942. That's over $1,000 cheaper than the broader car insurance average. That's why it won the 2025 Finder Car Insurance Award for Best Low Cost policy.
Bingle is great for those who need a comprehensive policy but don't want all the bells and whistles. It covers only the basics and the price reflects this.
Bingle's comprehensive car insurance policy can be paid in monthly installments rather than annually in a lump sum.
Cons
Due to its lower cost, Bingle covers less than other car insurers. For example, there is no option to add on roadside assistance or personal effects cover.
To be covered for a new car replacement, you'll have to pay extra with Bingle. This feature comes included in most other car insurance policies, albeit at a higher price.
Bingle will only cover your car for its market value. Depending on your vehicle, this might not be adequate enough.
Accidental damage:
Fire and theft:
Storm:
Roadside assistance: $0 Hire car after theft: Up to $50 per day - Until claim is completed Personal effects: Agreed or market value: Market
We picked Bingle Comprehensive car insurance as our top pick for cheap car insurance because it is consistently the cheapest car insurance in the market, according to Finder research. Because of this, it won the 2025 Finder Car Insurance Award for Low Cost car insurance.
Cheap car insurance with great customer service: Youi
Pros
Youi is typically happy to negotiate on price if you just give them a call.
It offers more than most – for example, it automatically includes roadside assistance. Other major insurers do not.
Youi customers rated the insurer 4.38/5 . It scored particularly well for customer service. 93% of those surveyed said they'd recommend Youi to a friend.
Cons
You can start your quote online but need to finish it with a phone call, which isn't ideal if you want an all-online experience. Pro tip: avoid the phone call by getting your quote on a Sunday.
Youi roadside assistance only covers the first 2 call-outs in a year.
If you don't press them for a cheaper quote, your initial quote can come out quite expensive.
Accidental damage:
Fire and theft:
Storm:
Roadside assistance: $0 Hire car after theft: Limit not disclosed - Up to 14 days Personal effects: Up to $750 Agreed or market value: Agreed or Market
We picked Youi Comprehensive car insurance as our top pick for cheap insurance with good customer service because that's exactly what it offers. While it's not the cheapest on the market, it's a great option for those who are budget conscious, want decent coverage and care about customer service. Our own team has had plenty of luck getting a cheaper quote simply just by asking, so don't always accept the first quote you get from them!
Cheap car insurance for young drivers: ROLLiN' Comprehensive
Pros
ROLLiN' won't hit you with an additional excess based on your age – you'll just pay $800 per named driver. This isn't standard. For example, Bingle charges an extra age excess of $600 if the driver is under 25 years old.
ROLLiN' offers agreed value cover, giving you more control when it comes to your payout if your car's written off.
There is no exit fee if you choose to cancel your policy. Other providers charge a fee of around $40.
Cons
Every month, your premium is recalculated and renewed. This means it can increase or decrease from month to month with no indication of what your next bill will look like.
With ROLLiN', there's no cover for personal items (such as your phone or laptop) if they're damaged or stolen. Most other insurers offer personal effects cover of up to $500, $700 or $1,000.
Unlisted drivers need to pay a $3,000 excess.
Accidental damage:
Fire and theft:
Storm:
Roadside assistance: Hire car after theft: Up to $80 per day - Up to 21 days Personal effects: Agreed or market value: Agreed
ROLLiN' car insurance is a great option for those who want flexible and affordable car insurance that still includes a good level of coverage. It was the second cheapest provider on average according to our research.
Cheap car insurance with a discount: Budget Direct Comprehensive
Pros
New customers who sign up online get 15% off their comprehensive policy. This can save you hundreds.
A budget-friendly comprehensive policy option that doesn't compromise on cover. You get very similar cover to other more expensive insurers but without the price tag.
You can lower your costs by restricting drivers over a certain age. Budget Direct has the biggest range of any major car insurer: 21+, 25+, 30+, 40+ or 50+.
Cons
There are cheaper insurers but they cover less. If price is the biggest factor for you, Bingle is typically cheaper.
The product disclosure statement (PDS) spans over 2 different documents: part A details what's covered and part B includes the limits of that coverage in dollars. It's not a deal-breaker, just extra admin for you to read through.
The 15% online discount is only available to new customers, not those renewing their policy.
Accidental damage:
Fire and theft:
Storm:
Roadside assistance: $76.46 Hire car after theft: Up to $1,000 - Up to 14 days Personal effects: Up to $500 Agreed or market value: Agreed or Market
We picked Budget Direct comprehensive car insurance as our top pick for discounts because it reliably offers 15% off on its comprehensive car insurance policy, for those who sign up online. It's a really easy criteria to meet to access the discount and it has the capacity to save customers hundreds of dollars. Add to that, it's just generally a good policy with lots of benefits and the ability to add or minus cover as you need to.
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 June 2025.
Baby boomers: $93
Gen X: $124
Gen Y: $188
Gen Z: $249
Price based on 670+ responses about their monthly premium in June 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 $942 per year, according to Finder research. Below is a list of the top 5 cheapest car insurance policies, per that research.
Finder sourced over 1,400 car insurance quotes based on multiple driver profiles from 40 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.
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.
"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."
Generally, yes. If you buy a cheaper, more simple car insurance policy for your needs now, you can typically adjust it to include more thorough coverage later. Many comprehensive policies will allow you to add further coverage later as needed.
According to the 2025 Finder Awards, Bingle offers the cheapest comprehensive car insurance. Keep in mind, the cost of your policy will differ depending on your own circumstances and this should be used as a guide only.
Based on Finder's 2025 Awards research, Bingle, ALDI, and RoLLiN' offer some of the cheapest car insurance policies on average in Australia.
Younger drivers will generally pay more for car insurance than older drivers. That's because insurers see young drivers as being more likely to have an accident due to having less driving experience. This means, in an insurer's eyes, there's a higher likelihood of those under 25 having to make a claim on their policy.
Compulsory third party (CTP) car insurance generally costs between $430 and $750 per year but this will depend on the model and usage of your car.
CTP insurance, which is legally required to register a car in Australia, protects you from legal costs that result from injuries and deaths suffered on the road. It doesn't cover any kind of vehicle damage or damage to any other type of property.
A really good option for finding cheap cover is to compare a range of policies that offer rideshare insurance. Keep in mind that not all car insurance providers offer rideshare cover while some will only offer a rideshare extension on their comprehensive plans.
As with any car insurance, your ability to find the cheapest cover differs depending on things like your age, occupation, the vehicle you drive and the area you live in.
Yes, there are often online discounts available for new customers. You can view a range of car insurance discounts here.
Bingle keeps premiums low by operating online-only rather than having expensive bricks and mortar premises to interact with customers. They also offer limited extras, focusing on essential coverage to cut down costs.
Budget Direct and Bingle are known as being affordable insurers, and are often among the cheapest providers, particularly for younger drivers. They offer affordable third-party and comprehensive policies, but the range of coverage is generally more restrictive, which reduces their claim payouts. This allows them to charge lower premiums, while still turning a profit.
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 590 Finder guides across topics including:
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
Compare cover from a range of car insurance providers and find out some of the things you will be covered for under a comprehensive policy.
Important information about this website
Finder makes money from featured partners, but editorial opinions are our own.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
