Cheap car insurance in Australia – July picks

Powered by 250+ human hours spent crunching 1,400 quotes. Yes, we're nerds.

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 July 2025

Car insurance methodology

Cheapest car insurance: Bingle Comprehensive

Bingle car insurance logo

Pros

  • 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.
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Cheap car insurance with great customer service: Youi

Youi car insurance

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.
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Cheap car insurance for young drivers: ROLLiN' Comprehensive

Rollin' car insurance

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.
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Cheap car insurance with a discount: Budget Direct Comprehensive

Budget Direct Logo

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.
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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 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.

ProviderAdjustable excessRestricted driver optionOnline sign up discount/bonusesAgreed or market valuePriceApply
Picture not described
Market
$942.49 Get a quote
Rollin' car insurance
Agreed
$1,294.55 Get a quote
ALDI Insuance Logo
Agreed
$1,508.39 More info
bank of queensland
Agreed
$1,521 More info
NRMA Logo
Agreed or Market
$1,532.076 More info

Read our methodology to see how we got these costs

Cheap car insurance in your state

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.

Truck crush

Comprehensive car insurance

ProviderAverage priceApply
Bingle logo$1,081Get quote
Rollin' car insurance$1,671Get quote

Picture not described

$1,823More info
Mortgage Choice Insurance Logo$1,849More info
Hume Bank Logo$1,911More info
Truck crush

Comprehensive car insurance

ProviderAverage priceApply
Bingle logo$1,057Get quote
Rollin' car insurance$1,164Get quote
ALDI Insuance Logo$1,364More info
Bank of Queensland logo$1,376More info
AAMI Logo$1,468More info

Truck crush

Comprehensive car insurance

ProviderAverage priceApply
Bingle logo$1,199Get quote
Rollin' car insurance$1,657Get quote
AAMI Logo$1,772More info
ALDI Insuance Logo$1,973More info
Suncorp$1,990More info

Truck crush

Comprehensive car insurance

ProviderAverage priceApply
Bingle logo$809Get quote
Rollin' car insurance$1,093Get quote

Picture not described

$1,215More info
ALDI Insuance Logo$1,220More info
Bank of Queensland logo$1,231More info

Truck crush

Comprehensive car insurance

ProviderAverage priceApply
Bingle logo$798Get quote
Rollin' car insurance$1,039Get quote
ALDI Insuance Logo$1,258More info
Bank of Queensland logo$1,269More info
NRMA Logo$1,440More info

Truck crush

Comprehensive car insurance

ProviderAverage priceApply
Bingle logo$710Get quote
Rollin' car insurance$1,143Get quote
ALDI Insuance Logo$1,294More info
Bank of Queensland logo$1,306More info
AAMI Logo$1,317More info

We didn't include quotes for NT and ACT because the sample size was too small.
Read our methodology to see how we got these costs

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 590 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living
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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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