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Coles car insurance vs AAMI

A side by side comparison of Coles and AAMI car insurance including expert analysis of pricing, features, complaints and reviews.

Both Coles and AAMI car insurance offer very similar levels of comprehensive cover. They're priced quite similarly as well, according to our research. Coles gives you Flybuys points though which could make them more appealing to some people.

Coles vs AAMI car insurance — compare key features

We've compared the comprehensive car insurance policies on offer from Coles car insurance and AAMI car insurance. See further below for other types of car insurance offered by these providers.

Coles Comprehensive image
Coles Comprehensive
AAMI Comprehensive Car Insurance image
AAMI Comprehensive Car Insurance
Underwriter Insurance Australia Limited (IAL) AAI Limited
Accidental Damage
Damage to other people's car

Bonuses 10% online discount $50 online discount
Roadside assistance Optional
Optional
Agreed or market value Agreed or Market
Agreed or Market
Choice of repairer
Legal liability $20,000,000 Yes - $20,000,000
Fire and theft
Storm
Flood
Hire car after theft
Up to $75 per day - Up to 14 days

Reasonable costs - Up to 21 days
Hire car after no fault accident Optional

Up to $75 per day - Up to 14 days
Optional

Up to $90 per day
Hire car after at fault accident

Limit not disclosed
Emergency repairs
Up to $500

Up to $1,000
Emergency travel and accommodation costs
Up to $500

Up to $1,000
New car replacement
If your car is written off in the first 2 years

If your car is written off or stolen in the first 2 years
Personal effects/property
Up to $500

Up to $1,000
Locks and keys replacement
Up to $1,000

Towing
Trailer cover
Up to $1,000

Up to $1,000
Important Limits, exclusions and terms and conditions apply. Read the Product Disclosure Statement. Limits, exclusions and terms and conditions apply. Read the Product Disclosure Statement.
More info More info

Coles vs AAMI car insurance prices compared

As part of our 2024 Finder car insurance awards, we collected over 1,800 comprehensive quotes from 30 car insurance providers, using a range of driver profiles across different states, ages and genders.

On average, AAMI typically offers cheaper car insurance than Coles. However, it's important to keep in mind that price may not be the only factor in your search for the best car insurance.

State NSWQLDSATASVICWAAus average
Coles$1,405$1,199$1,262$1,250$1,501$1,105$1,287
AAMI$1,884$1,106$1,015$985$1,318$1,002$1,218

These quotes are formed based on a fictional driver profile and your own quote will differ based on your personal circumstances. This should be used as a guide only.

About our car insurance methodology

Car insurance policies on offer

Coles offers 4 levels of car insurance cover:

  • Coles Comprehensive Plus
  • Coles Comprehensive
  • ColesThird Party Fire & Theft
  • Coles Third Party Property Damage

AAMI offers 2 levels of car insurance cover:

  • AAMI Comprehensive
  • AAMI Third Party Property Damaege

Customer reviews

AAMI scored 4.32/5 in Finder's Customer Satisfaction awards while Coles scored 4.19/5. Both have relatively poor scores on popular review websites though. Keep in mind though that people are more inclined to leave reviews only when they've had a negative experience.

Coles and AAMI car insurance complaints information

Using data from the Australian Financial Complaints Authority (AFCA), we can see how many motor insurance complaints the underwriters from Coles (Insurance Australia Limited) and AAMI (AAI) have received and resolved.

UnderwriterComplaints recieved Complaints resolved at registration & referral Referral resolution rate
Insurance Australia Limited 141376053.82%
AAI2231137061.43%

Finder's verdict

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