Our insurance experts have selected a handful of cheap comprehensive car insurance options based on 2023 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
30+
policies analysed
1,100+
quotes gathered
250+
hours of research
Comprehensive car insurance is the only level of cover that protects your car as well as others. On average, prices start from around $767 per year, according to Finder research.
| Provider | Adjustable excess | Restricted driver option | Online sign up discount/bonuses | Agreed or market value | Price | Apply |
|---|---|---|---|---|---|---|
 | Market | $767 | Get a quote | |||
 | Agreed | $821 | Get a quote | |||
 | Agreed | $906 | More info | |||
 | Both | $1,000 | More info | |||
 | Both | $1,004 | Get a quote |
Our verdict
Budget Direct is a great all-rounder. It's good if you want a cheap policy that's good value for money.
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.
Bingle comprehensive car insurance is a very cheap option. It's almost never beaten on price. The catch? It only covers the essentials and it has an all-online customer service and claims team.
ROLLiN' is cheap for young drivers. It's good if you're in your 20s and you can cancel any time.
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.
Finder sourced over 1,100 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.
| Provider | Price | Apply |
|---|---|---|
 | $848.87 | Get a quote |
| $863.47 | More info |
| $1,102.26 | Get a quote |
| $1,279.73 | Get a quote |
 | $1,304.49 | More info |
| Provider | Price | Apply |
|---|---|---|
| $720.32 | More info |
| $729.82 | Get a quote |
| $788.34 | Get a quote |
| $911.60 | More info |
| $921.20 | Get a quote |
| Provider | Price | Apply |
|---|---|---|
| $1,034.15 | Get a quote |
| $1,035.74 | More info |
| $1,053.82 | More info |
| $1,163.76 | Get a quote |
 | $1,259.28 | More info |
| Provider | Price | Apply |
|---|---|---|
| $638.88 | Get a quote |
| $794.90 | Get a quote |
| $810.81 | More info |
| $861.08 | Get a quote |
| $873.03 | More info |
| Provider | Price | Apply |
|---|---|---|
| $669.13 | Get a quote |
| $716.70 | Get a quote |
| $815.88 | More info |
| $856.75 | Get a quote |
| $873.89 | More info |
| Provider | Price | Apply |
|---|---|---|
| $623.32 | Get a quote |
| $762.04 | Get a quote |
| $868.46 | More info |
| $874.00 | More info |
| $939.983 | Get a quote |
We didn't include quotes for NT and ACT because the sample size was too small.
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).
"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."
You don't always have to jump on board with a provider offering the lowest price. That's why we decided to include a value pick as well as one for cost. Take Budget Direct. They'll cover your personal belongings for up to $500 against theft or damage; plus, there's a separate benefit of $500 for child seats. Whereas Bingle only offers child seat cover. Yet overall, Bingle has more competitive pricing. Which is better, then? It really depends on your circumstances and the way you balance peace of mind against cost.
James Martin
Editor
There are some powerful price levers to pull when it comes to car insurance, including opting for a larger excess or removing cover for under-25 drivers (if you're absolutely sure none will drive your car). Just don't skimp on rental car cover...they are expensive right now and repairs, because of hugely high demand, are taking ages.
Nicole Pedersen-McKinnon
Freelance finance journalist
I like a bargain, but I also like to know I'm actually getting some decent cover in return. That's why, for me, comprehensive car insurance is worth getting over third party cover, solely because it covers damage to your own car – plus, there are still a few cheap options.
Gary Ross Hunter
Insurance and innovations editor
With the cost of living skyrocketing, looking at your car insurance could be a huge opportunity to save. We reviewed over 1,000 comprehensive car insurance quotes and found a massive difference of $1,456 between the cheapest and most expensive policy. Bottom line – if you haven't shopped around recently, this is a huge chance to save money.
Sarah Megginson
Managing editor at Finder
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.
Learn the factors that may cause you to be considered a high-risk driver and whether you might be eligible for cover.
Lost your car keys? Find out whether your comprehensive car keys will cover the cost to replace them in this handy guide.
Discover how to get covered for pothole damage with this guide.
Discover if your car insurance policy will cover you for paint damage with this guide.
Your comprehensive guide to car insurance excess, what it is and when it needs to be paid.
Suncorp’s benefit limits are high in comparison to many other providers, but its policies are more expensive than most.
APIA car insurance is issued by AAI Limited and offers 3 levels of cover, a range of discounts and a lifetime guarantee on repairs.
Find out what short term car insurance options are available in Australia.
GIO offers strong cover at a low price. However, drivers in QLD, SA and TAS will have to look elsewhere.
Is it time to make the switch? If you're not happy with your current car insurance provider then the answer might be yes.
Wanting to ask 2 questions please
Do you have motorhome insurance
Wanting to insure a holiday home that is frequented every 3 months
Hi Karen,
Finder does not currently have access to any motorhome insurance brands, butthis guide provides some information that can help you make a decision.
You can also see some options for holiday home insurance here.
Hope this helps!