Comprehensive car insurance | Save thousands by shopping online

Comprehensive Car Insurance

Shopping around for comprehensive car insurance online could save thousands of dollars a year.

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If you love your car, you'll probably want comprehensive car insurance. It's the highest level of cover, so you can hit the road without worrying about a hefty bill if something goes wrong. You'll be covered for damage to your own car as well as damage to other people, vehicles and property. You'll even be covered if a freak hailstorm ruins your bodywork or a rogue kangaroo dents your bumper.

But not all comprehensive car insurance policies are created equal. Some have heaps more benefits, while others are overpriced for what they offer. This page will clear things up and could even save you thousands of dollars too.

In fact, our cost research found a staggering difference of $2,353 a year between the cheapest and most expensive insurer. It really does pay to shop around.

Looking for a little guidance? Finder research pinpointed Budget Direct, ING and Virgin as the top 3 all rounders for comprehensive car insurance. We took features and price into consideration so you can trust you'll get good value for money with any of these providers.

Comprehensive car insurance in Australia

Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Budget Direct Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Awarded the 2019 Finder Award for the Best Value Car Insurance, this policy offers solid coverage at a low cost plus you will get 15% discount on first year's premium when you take out a policy online. Budget Direct’s claims service has received a 4.2/5 based on nearly 5,000 customer reviews.

Who it might be good for: People who want a comprehensive policy without breaking the bank.
QBE Comprehensive
Optional
Agreed or Market
Finder's summary: QBE is a sustainable insurance company and also Finder's Green Insurer of the Year 2020 Award winner. This policy offers the highest level of protection available from QBE including three-year new car replacement. You can also save $75 when you purchase a new comprehensive policy online. T&Cs apply.

Who it might be good for: Those that are looking for a more environmentally friendly insurance choice.
Bingle Comprehensive
Market
Finder's summary:Bingle consistently comes up as one of the cheaper insurers out there. It only covers the basics, so you don't get to choose your own repairer, you're not covered for personal items in the car and unless you add it as an option, you won't get a hire car if your car is stolen. But this keeps its premiums low.

Who it might be good for: Someone who wants a low-cost option that covers them for the basics.
Coles Comprehensive
Optional
Agreed or Market
Finder's summary: Coles have two-tiers of comprehensive car insurance to choose from. You'll earn double flybuys points at Coles supermarkets and you can get $10 off your Coles grocery bill every time you redeem 2,000 Flybuys points. If you're over 30, you can get roadside assistance free for a year.

Who it might be good for: Coles customers and Flybuys collectors.
Poncho Comprehensive
Agreed
Finder's summary: Poncho works like a monthly subscription – you pay monthly and can cancel and leave at any time. You can also list multiple cars and drivers under one policy, making it ideal for families and groups living together under one household.

Who it might be good for: People who want their car insurance month to month.
Qantas Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: You'll be able to choose how comprehensive you want your cover to be with optional extras like choice of repairer and the option of agreed or market value. Plus earn Qantas Points for joining and paying your premium. Sign up by 2 May 2021, you can earn up to 30,000 Qantas Points (points awarded will be based on your premium). T&Cs and eligibility apply.
Virgin Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Finalists for the 2019 Finder Awards for Best Value Car Insurance, Virgin Comprehensive provides a good level of cover for a decent price. Get 15% off on your first year’s premium when you purchase a new eligible comprehensive car insurance online. T&Cs Apply.
Stella Comprehensive
Optional
Agreed or Market
Finder's summary: Stella’s a female-focused insurer. It'll cover you if your car is damaged as a result of domestic violence. It offers higher cover for baby gear than most, with up to $2,000 cover for prams, strollers and child seats. Get $50 cash back when you purchase online between 1 April – 30 June 2021 using the code STELLA50. T&C apply.

Who it might be good for: Someone who wants a female-centred car insurance policy (it will cover men too).
Youi Comprehensive
Optional
Agreed or Market
Finder's summary: Youi Comprehensive Car Insurance is one of the few providers to include roadside assistance in its policy. You'll also get access to YouiRewards which gives you discounts on furniture, parking and more. Youi also has a live chat feature on its site to talk through any questions.

Who it might be good for: People over 25 who want comprehensive cover with a focus on customer service
Real Comprehensive
Optional
Agreed or Market
Finder's summary: Real Comprehensive Car Insurance provides similar coverage to other insurers for the important stuff like looking after your car if it's stolen or you crash. They're also one of the few insurers who offer a Pay As You Drive policy, so you might be able to save big if you don't drive much.

Who it might be good for: Those that don't drive much can take advantage of their Pay As You Drive policy.
Australia Post Comprehensive
Optional
Agreed or Market
Finder's summary: Australia Post car insurance offers comprehensive cover for things like theft, fire, new for old replacement and emergency accommodation and transport. Cover also extends to anyone who uses your car, not just you.

Who it might be good for: If multiple people use the one car and you don’t want to worry about listing all drivers.
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Did you know? A Finder survey found that more than half of car owners (55%) have had their car damaged by another person or vehicle.

What is comprehensive car insurance?

Comprehensive car insurance is the highest level of car insurance you can get. It's the only type of car insurance that will cover damage to your own car as well as damage to other people, vehicles and property.

Depending on which comprehensive car insurance policy you buy, you can also get cover for roadside recovery, a hire car if yours is ever out of action and even emergency accommodation costs if you're stranded far from home.

Did you know? Comprehensive car insurance is sometimes referred to as fully comprehensive or fully comp. Don't worry, it all means the same thing.

Is fully comprehensive right for me?

There's an easy way to find out if you could benefit from comprehensive car insurance.

If you've answered NO to any of these questions, comprehensive car insurance might be for you:
  • Could you afford to repair your car if it was seriously damaged?
  • Would you be able to buy a new car if yours was written off?
  • Is your car usually parked in a safe and secure area?
If you answered YES to any of these questions, comprehensive car insurance might be for you:
  • Do you rely on your car for work or other essential trips?
  • Do you live in an area that is prone to hailstorms?
  • Do you ever worry about your car being stolen or vandalised?

If you're still unsure, you can take our test. It'll give you an idea of which type of insurance might be right for you. Plus, it'll only take a minute or so.

Which policy is the best all-rounder?

According to Finder research, Budget Direct is the best all-rounder for comprehensive car insurance.

We requested a total of 336 quotes, from 42 different car insurers, using 8 unique driver profiles. We then analysed those quotes using our unique scoring system - which takes both features and pricing into consideration. Budget Direct came out on top.

With an average annual premium price of $927, Budget Direct was the 5th cheapest insurer but also achieved a respectable features score of 7.1 out of 10.

BrandAverage priceFeature scoreFinder score
Budget Direct Logo$9277.1
8.1
ING logo$9437.3
8.08
Virgin logo$9457.1
7.86

Important: For this rating, we excluded insurers that rely on telematics to price your policy. That's because it's difficult to pinpoint exactly how much you'd pay.

Which policy is the most comprehensive?

According to Finder research, NAB offers the most comprehensive policy.

We analysed the product disclosure statements of 42 different car insurers to find out which one offered the most comprehensive combination of benefits. NAB came out on top with a feature score of 8.2 out of 10.

The policy covers all the basics plus a heap of added extras including emergency repairs cover, high limits for emergency accommodation costs, and temporary cover on a replacement hire car. It even offers an accidental death benefit of $25,0000.

However, there is a caveat to the high level of cover. NAB didn't perform very well when it came to price. In fact, out of 42 car insurers, NAB was ranked 31st for price.

The table below shows the top 3 brands ranked by feature score. These are the most comprehensive car insurance policies, according to our research.

BrandAverage priceFeatures scoreFinder score
NAB logo.$1,3548.2
5.39
Bupa logo$1,6527.6
4.14
Picture not described$1,7827.5
3.99

Which is the cheapest comprehensive car insurance policy?

According to Finder research, Bingle is the cheapest comprehensive policy.

Out of the 42 car insurers we analysed, Bingle came back with the lowest average pricing across 8 driver profiles. In fact, the insurer had an average annual price of just $780 for a comprehensive policy.

Of course, as with most things, you're going to have to sacrifice some quality in order to save cash. While budget policies are kind to your bank balance, they won't have as many benefits compared to more expensive options.

Bingle's affordability is countered by a relatively low feature score of just 3.3. All up, the insurer earned a respectable FInder score of 6.54 out of 10.

BrandAverage priceFeature scoreFinder score
Bingle logo$7803.3
6.54
Budget Direct Logo$9277.1
8.1
ING logo$9437.3
8.08

Important: For this rating, we excluded insurers that rely on telematics to price your policy. That's because it's difficult to pinpoint exactly how much you'd pay.

How do car insurance brands differ on pricing?

Using 8 different driver profiles we requested quotes from 43 different insurance companies. The average price difference between the most and least expensive insurer was a staggering $2,252 a year.

Of course, price isn't everything. Some more expensive policies will have a wider suite of benefits, but it just shows how much you can save by shopping around.

What should I know before I take out cover?

There are a few things you need to know when you're looking for comprehensive car insurance. It'll make it easier to compare different policies and spot the things that really matter to you.

📌 Benefits. Not all comprehensive car insurance policies are created equal. Some policies are packed with extra perks or have higher claims limits, but they're usually more expensive too.

📌 Price. Price is important but it's not everything. Just because a policy is more expensive, doesn't mean it's better. On the flip side, you can find cheap policies with decent benefits.

📌 No claim discounts. Most insurers offer a no claim discount, but the value varies between different companies. If you're a safe driver, keep an eye out for potential discounts.

📌 Choice of repairer. This is a biggie that often goes overlooked. It gives you the ability to choose your own repairer, rather than the insurer doing it for you. It means you can pick a garage close to home or one with a shorter waiting list to get repairs done.

📌 Agreed value. This is when you and your insurer agree on the value of your vehicle ahead of time. It means you know how much you'll be paid if your car is written off.

📌 Market value. This is when your car is insured for its current market value at any given time. It's more convenient, but depreciation means you might get paid less than you expected if you ever have a serious accident.

📌 Excess. This is the amount you'll have to contribute before your insurer starts paying your claim. So if you have a $500 excess but damage worth $1,200, your insurer will pay out $700.

📌 Underwriter. An underwriter is the company that provides insurance to your insurance company. Finder compares insurance from different brands and different underwriters.

Did you know? A Finder survey found that 31% of car owners have had their car damaged by another vehicle, but the driver left the scene before they could exchange details

What does comprehensive car insurance cover?

Not all comprehensive car insurance policies are created equal. While they all have the same core benefits, some will have extra perks that make the policy more attractive.

Definitely covered

✅ Legal liability if you injure someone

✅ Repairs to your car if you're in an accident

✅ Repairs to your car if it's vandalised

✅ Payment if your car is stolen or set on fire

✅ Repairs if your car is damaged in a storm

Sometimes covered

⭕ New car replacement if yours is written off within a certain period

⭕ Payment if personal items inside the car are stolen or damaged

⭕ Damage to a caravan or trailer

⭕ Roadside assistance

⭕ Emergency costs if you're stranded

Did you know? Roadside assistance matters. In a Finder survey of 1,007 people, 51% said they'd call roadside assistance if they broke down.

How much does it cost?

Comprehensive car insurance is usually around twice the price of a third party policy for the same vehicle. This isn't exact by any means, but it's a good rule of thumb.

However, because the price of car insurance varies depending on your personal situation and specific car, it's hard to put a figure on how much it might cost you.

Instead, we did some research to give you a rough idea just how much the cost can change from person to person and for different cars.

Marco

Marco

☑️ 2007 Toyota Corolla: $259 a month
☑️ Land Rover Defender: $500 a month
☑️ 18 y/o 2020
☑️ Doesn't have a no claim bonus
☑️ P-Plater
☑️ Car kept on street

Helena

Helena

☑️ 2007 Toyota Corolla: $85 a month
☑️ Land Rover Defender: $175 a month
☑️ 20 y/o 2020
☑️ 2 year no claim bonus
☑️ Car kept on driveway

Paul

June

☑️ 2007 Toyota Corolla: $68 a month
☑️ Land Rover Defender: $140 a month
☑️ 45 y/o 2020
☑️ 4 years no claim bonus
☑️ Car kept in carport

June

June

☑️ 2007 Toyota Corolla: $55 a month
☑️ Land Rover Defender: $119 a month
☑️ 60 y/o 2020
☑️ 5 years no claim bonus
☑️ Car kept in garage

What affects the cost of my policy?

There are lots of different factors that affect the cost of your car insurance policy. We've listed the most significant ones below.

FactorWhat happens?
AgeYoung drivers usually pay more for their insurance
ExperienceExperienced drivers often enjoy cheaper premiums
GenderMen sometimes pay more than women, although it's usually equal in older drivers
HistoryDrivers who have made recent claims will pay more for their premiums
Car valueCheaper cars are less expensive to insure
Car featuresIf your car has safety or security features, it may be cheaper to insure
UsagePeople who drive fewer kilometres per year may have cheaper premiums
LocationCars kept in safe neighbourhoods or secure locations can see cheaper premiums
CoverA higher level of protection that offers extra perks will be more expensive
ExcessIf you choose a higher excess, your premiums will be lower
RestrictionsIf you restrict the age of other drivers, you may be able to lower your premium

Did you know? Price is the most important factor for Aussies when choosing car insurance. In one Finder survey, 43% of respondents said it was their biggest consideration.

Is comprehensive really worth it?

This is a question only you can answer, but there's a simple formula to help you figure it out.

Your annual premium + your excess = potential cost of a claim

Value of your car - potential cost of a claim = the amount you'd have to spend to replace your car if you didn't have comprehensive insurance

Once you have the amount you'd have to spend to replace your car without comprehensive insurance, think about whether you would be willing – or able – to pay that amount.

If you would be willing and able, you may want to consider third party insurance or third party fire and theft. If you wouldn't, comprehensive car insurance is probably better suited to you.

Another good indicator that comprehensive car insurance isn't for you is if your annual premium is more expensive than the amount you'd have to spend to replace your car.

Here are some examples:

Worth it

📌 Car value = $30,000

📌 Premium = $800

📌 Excess = $500

✅ $800 + $500 = $1,300

✅ $30,000 - $1,300 = $28,700

Might not be worth it

📌 Car value = $5,000

📌 Premium = $2,600

📌 Excess = $500

✅ $2,600 + $500 = $3,150

✅ $5,000 - $3,150 = $1,850

Differences between comprehensive car insurance and other types

Comprehensive car insurance covers far more situations than either third party insurance or third party fire and theft. However, it's also the most expensive.

Our research shows the average price of comprehensive car insurance is roughly twice that of third party insurance. Use the table below to weigh up whether the extra benefits are worth the cost for you.

ComprehensiveThird party fire and theftThird party
Accidental damage to your car
Malicious damage to your car
Damage due to flood or storm
Damage due to fire
Theft
Damage to other people's property
Emergency transport and accommodation
Hire car following accident
Personal property replacement
New car replacement
Replacement of car keys

*There may be some changes between insurers. Always check the PDS.

Which brands offer comprehensive car insurance?

There are plenty of brands which offer comprehensive car insurance in Australia, and new companies pop up all the time. Here's a list of some of the most popular ones:

Comprehensive car insurance compared: policies side-by-side

Using Finder partners only, we created a table which highlights some key policy features, and gives an indication of who might be better suited to certain policies, so you can compare comprehensive car insurance policies at a glance. Give it a go and see what works for you.

ProviderFinder's analysisWho it might be good forApply
Budget Direct Logo

Comprehensive

Awarded the 2019 Finder Award for the Best Value Car Insurance, this policy offers solid coverage at a low cost.

Key replacement, towing costs, and personal effects are all covered as well as a hire car if yours is stolen. You also have the option to add roadside assistance and choice of repairer.

Budget Direct's claims service has received a 4.2/5 based on nearly 5,000 customer reviews.

Keep in mind, you might have to pay a bit more to get your own choice of repairer and there are a few extra excesses to be aware of.

  • People who want a comprehensive policy without breaking the bank.
Get quote
Picture not described

Comprehensive

This policy covers all the basics like damage to your vehicle and towing from the scene, as well as extras such as hire car and emergency travel and accommodation costs. While it has similar features to other brands, it has one of the higher limits for personal effects and key replacement.

Purchasing a policy could earn you up to 30,000 Qantas Points and you can get additional points by getting your car serviced or checking your tyres. You'll also get access to the Qantas Wellness app.

You'll have to pay extra if you want your own choice of repairer.

  • People who love collecting frequent flyer points.
Get quote
Picture not described

Comprehensive

Youi Comprehensive Car Insurance is one of the few providers to include Roadside Assistance in their policy. As well covering you for things like damage to your vehicle, key replacement and a hire car, when you sign up, you'll also get access to YouiRewards. This gives you discounts on things like Amart furniture, parking and more.

They also provide counselling services of up to $1,500 if you're involved in an accident and need to talk to someone about it. Other perks include a hire car if you're not at fault, optional cover for specific business items (up to $1,000) and a handy live chat option on their site to get you in contact with a Youi rep.

Remember, Youi also don't offer a no-claims discount.

  • People over 25 who want comprehensive cover with a focus on customer service.
Get quote
Stella car insurance logo

Comprehensive

Stella's is an insurer that is female-centered. They'll cover you if your car is damaged as a result of domestic violence. They offer higher cover for baby gear than most, with up to $2,000 cover for prams, strollers and child seats. They also offer higher cover for personal items than most so your handbag, phone, and jewellery should be protected.

You can also get a free magazine subscription to Bauer Media mag when you sign up and know that a portion of your premiums are going towards supporting female-led businesses.

Keep in mind that although Stella is tailored to women, it isn't necessarily a cheaper policy for women to go with.

  • Someone who wants a female-centred car insurance policy (they'll cover men too!).
Get quote
Bingle logo

Comprehensive

Bingle consistently comes up as one of the cheaper insurers out there. They only cover the basics, so you don't get to choose your own repairer, you're not covered for personal items in the car and you won't get a hire car if your car is stolen. They also only operate online. But all this keeps their premiums low.

Remember, they also only cover you for market value and you won't get a choice of your repairer.

  • Anyone who wants a low cost option that covers them for important things like accidents but is happy to have some of the added comforts like a hire car if yours is stolen excluded.
Get quote
Coles Insurance

Comprehensive

Coles have two-tiers of comprehensive car insurance to choose from: comprehensive and comprehensive plus. They cover you for damage to your car, give you a hire car, new car replacement if your car is less than 2 years old, and $200 towards grocery replacement if your shopping is nicked or damaged.

The higher tier policy will also give you a hire car until your claim is sorted, one free windscreen repair each year, and an additional year for new car replacement.

You'll also earn double flybuys points at Coles supermarkets and you can get $10 off your Coles grocery bill every time you redeem 2,000 Flybuys points. If you're over 30, you can get roadside assistance free for a year.

Keep in mind, Coles won't let you choose your own choice of repairer.

  • Coles customers, Flybuys collectors, and those that want the whole bells and whistles.
Get quote
Virgin logo

Comprehensive

Finalists of the 2019 Finder Awards for Best Value Car Insurance, Virgin Comprehensive provides a good level of cover for a decent price. If you purchase online, you'll get 15% off on your first year's premium and you'll get covered for things like key replacement, towing costs and the personal items in your car. Plus if your vehicle is stolen, they'll give you a hire car.

Another added perk is their hail hero service, which gives you a warning if hail is expected.

  • People who want a comprehensive policy that's affordable.
Get quote
Poncho logo

Comprehensive

Poncho works like a monthly subscription. You can pay monthly at no extra cost and there's only one standard excess you need to worry about. If it's not for you, you can leave anytime; there are no lock-in contracts or cancellation fees.

You can also list multiple cars and drivers under one policy, making it ideal for families and groups living together under one household.

Be sure to list any other driver on your policy. Otherwise, you'll have to pay a $3,000 excess if they're in an accident.

  • People who only need cover for a short period of time.
Get quote
Real insurance logo

Comprehensive

Real Comprehensive Car Insurance provides similar coverage to other insurers for the important stuff like looking after your car if it's stolen or you crash. This includes damage by fire or weather, and if your car is written off within two years of its registration, they'll replace it with a new one.

They're also one of the few insurers who offer a Pay As You Drive policy, so you might be able to save big if you don't drive much.

Younger and inexperienced drivers listed on your policy will have to pay an added excess on top of the standard one, but this is usually pretty common in other policies too.

  • Those that don't drive much can take advantage of their Pay As You Drive policy.
Get quote
Kogan insurance logo

Comprehensive

Kogan comes with all the perks that most comprehensive car insurance policies include - like cover for theft, fire and weather, new for old car replacement, towing costs and more - but you'll also be entitled to some benefits on their online store. This usually comes in the form of a gift voucher or discount if you buy online.

Plus, Kogan offer a pay as you drive option, which could be good if you're not on the road that much.

Kogan try and keep things affordable, so you don't get to choose your own repairer and you'll have to pay extra if you want a hire car if your vehicle is stolen (others include this automatically

  • Kogan shoppers and those that don't drive much.
More info

Should I switch insurers?

At the very least, you should be comparing car insurance at least once a year to make sure you're getting the best deal available. If you compare car insurance online and find a better deal, you should definitely switch.

Remember, car insurance isn't all about price, it's about which benefits you get too. However, if you find a policy that offers the same benefits or more for a lower cost, you should either contact your current car insurance company and ask for a discount or you should change your insurance provider.

Don't worry, there's no harm in switching insurers and you won't lose your no claim history.

Should I choose agreed value or market value?

That's up to you. However, choosing agreed value or market value will have an impact on your premiums so it's important to understand which one is right for you.

Market value.

This is when your car is insured for its current market value at any given time. It's more convenient, but depreciation means you might get paid less than you expected if you ever have a serious accident.

Usually, market value is the cheaper way to insure your car. However, if you plan on self-insuring to a certain extent, agreed value may be cheaper. There's more on this below.

Agreed value.

You and the insurer agree on the value of the car when you first buy your insurance. Usually, you can set a value that is over or under the actual market value.

Often, people choose a value below market value because it reduces the price of their premiums. In these instances, the driver is self-insuring the rest of the car. They accept the risk that, if their car is written off, they won't receive enough money from the insurer to replace like-for-like and will have to settle for a less valuable car or contribute some money themselves.

However, some people choose to set a value above market value. This may be worth considering if you've spent a lot of money customising your car, you've installed high-quality parts or a like-for-like replacement would be incredibly hard to come by. You will pay a higher premium, but you'll receive a bigger payout than standard market value.

What isn't covered by comprehensive?

There are certain costs and situations which will not be covered by comprehensive insurance. These include the following:

❌ General wear and tear

❌ Mechanical, structural or electrical faults

❌ If you carry passengers or goods for payment

❌ If you hire your car to other people

❌ If an unlicensed driver is at the wheel

❌ If the driver is under the influence of drugs or alcohol

❌ If the car is driven in any races, rallies or contests

❌ If the car is used for any unlawful activity

❌ If the car is driven while considered unroadworthy

❌ If the car is driven in a reckless manner

This is not an exhaustive list. Depending on which policy you buy, it's likely there will be additional exclusions. Always check the PDS for a full list.

How can I save money on comprehensive car insurance?

If you're keen to get comprehensive car insurance but are worried about the cost, there are ways to make your regular premiums more affordable.

Shop around. Our research shows you can save thousands of dollars just by comparing

Increase your excess. Choosing a higher excess will lower your premiums

Look for no claim discounts. Some insurers offer big discounts to safe drivers

Restrict usage. Premiums may be cheaper if only select people will drive the car

Restrict age. If you restrict the minimum age of any driver, your premium might drop

Keep it safe. Installing a car alarm or keeping your vehicle in a garage can earn you a discount

Look for deals. Some insurers will offer discounts for buying online

Qantas Car Insurance DealsQantas Car Insurance Deals

Car insurance you can depend on, plus up to 30,000 Qantas Points

Get on the road with Qantas Car Insurance, and earn up to 30,000 Qantas Points when you join by 2 May (points awarded will be based on your premium). T&Cs & eligibility apply.

Last verified

Deal ends

Virgin Car InsuranceVirgin Car Insurance

$100 e-Gift card + up to 15% off new policies

Get a $100 e-Gift card when you purchase online and you'll also save up to 15% on your first year’s premium. T&Cs Apply

Last verified

Deal ends

Budget DirectBudget Direct

15% online discount on car insurance

Receive 15% off your first year's premium when you purchase a new policy online. T&Cs apply.

Last verified

Real Car Insurance DealReal Car Insurance Deal

Save up to 10% when you buy Real Car Insurance online

Online applicants save 5% on first year premiums, and up to an additional 5% off to exclude drivers under 25. Minimum premiums may reduce savings discount.

Last verified

Compare car insurance by state

Use the map below to compare car insurance based on your location.

More confused than ever?

Comprehensive car insurance can get more confusing the more you delve into it, but don't give up. Check out our guide on how to compare car insurance and see if that helps.

If you're struggling to weigh up whether it's right for you, we also have more information on the differences between comprehensive insurance and third party.

Of course, if you have any other questions that we haven't answered, feel free to drop us a comment. We'll do our best to clear things up.

FAQs

Can anyone drive my car if I have comprehensive insurance?

Not necessarily. Some comprehensive policies will cover anyone with a driving license. However, others will restrict the age of drivers or the experience of drivers. Some policies will only cover named drivers. These are usually settings that you can customise yourself but if you're unsure always ask your insurer directly.

Is glass damage included?

Most insurers will offer cover for your windshield and other windows, but it is usually an optional add-on that you'll pay a little extra for.

Does comprehensive insurance cover hail damage?

Yes. Hail damage is covered, along with other forms of severe weather like cyclones or lightning.

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18 Responses

    Default Gravatar
    NeilJune 17, 2020

    I am trying to insure my 1999 Nissan Elgrand diesel van and I can’t find a company to cover the van.

      Avatarfinder Customer Care
      JoshuaJune 21, 2020Staff

      Hi Neil,

      We’re sorry you’re having a difficult time finding insurance for your van. We don’t directly offer car insurance and don’t have access to all your details so it’d be hard for us to figure out why you’re struggling to find cover.

      A good idea could be to actually ring up an insurer and go through the quote process with them over the phone as this will give you the option to talk to them about why specifically you can’t find cover.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

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    ZiadFebruary 12, 2018

    Hi
    What’s the best and cheapest comprehensive car insurance for my 21-year-old son? Driving for 4yrs, no claims & never had a fine or accident.
    Cheers

      Avatarfinder Customer Care
      RenchMarch 2, 2018Staff

      Hi Ziad,

      Thank you for your inquiry.

      Whilst we cannot recommend or say what could be the cheapest car insurance as that entirely depends on your financial situation, you can have a look at some information on what insurance might be suitable for someone under 25 years old. We did some research and found some huge differences in costs for under 25s, so you might find our under 25 car insurance comparison helpful. It should let you know who we found to be the cheapest in our research! Just keep in mind that if you want a cheap policy you’ll probably sacrifice a bit of cover, and vice versa. Have a look, and if you’ve got any other questions just send them over!

      Best regards,
      Rench

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    LukeAugust 22, 2017

    Hey, I was convicted of drinking driving for 18months starting Jan 2016. I need car insurance still. Help me plz I live in WA

      Avatarfinder Customer Care
      DeeAugust 22, 2017Staff

      Hi Lukaz,

      Thanks for your question.

      If you have been convicted of DUI, you may still be able to get an insurance cover but typically you can expect to pay higher premiums or an additional excess.

      We’ve actually got page about car insurance for drink drivers. On that page, you will learn more about what to do if you’ve been convicted of drink driving. You might find the page useful.

      Unfortunately, there’s no set insurer that will offer you cover as it annoyingly comes down to each person’s circumstances, however, we’ve put together some good rules of thumb to follow that should limit the time you spend searching.

      I hope this is useful!

      Cheers,
      Anndy

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    ChewAugust 9, 2017

    I just need a comprehensive insurance that cover 3000km & 2 months only.

      Default Gravatar
      ArnoldAugust 9, 2017

      Hi Chew,

      Thanks for your question!

      Given that you’re only going a short distance and for a limited time, it might actually be in your best interest to get a pay-as-you-drive policy. These policies are far cheaper than your standard comprehensive car insurance policy as it works under the premise of you only driving a certain amount of kilometres each year.

      Have a read of our article about it, and if you’ve got any other questions just let us know!

      Cheers,
      Arnold

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    YogeshJuly 26, 2017

    If I claim windscreen crack which is repaired already . Does it come in a claim

      Default Gravatar
      ArnoldJuly 26, 2017

      Hi Yogesh,

      Thanks for your question!

      If I understand correctly, you’ve had this crack repaired in the past and it’s damaged again. If that’s the case and it’s due to poor workmanship, you should be able to go back to your insurer and get it repaired again after the ‘lifetime repairs guarantee’ clause.

      If this is a new crack, you can technically claim it under your car insurance, however it might not be cost efficient to. This is because you’ll have to pay an excess which can be upwards of $400 before an insurer even looks at your car. Whereas, if you independently get your windscreen repair you might only be looking at a few hundred dollars.

      I hope this helps.

      Cheers,
      Arnold

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    HelenJune 20, 2017

    Where’s best to insure an imported vehicle?

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    judithJune 7, 2017

    I want to change insurance companies. My current one did not send me renewal and had increased my premium by $10/month. I want full computation and pay by the month but I am a bit confused. I want to compare premiums before my eyes. How do I do this?

      Default Gravatar
      JonathanJune 8, 2017

      Hi Judith!

      Thanks for the comment.

      You can focus first on the main features we have included on the comparison table of this page. From there, you may choose which insurers and request a quote from each of them. Once you received their quote, you may decide which one would suit your needs and personal preferences.

      Hope this helps.

      Cheers,
      Jonathan

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    JansenMarch 21, 2017

    Hi,

    I am driving a 2004 Toyota Alphard car. Having difficulty to get my car insured because it is imported car. As a new migrant, I have yet to get my Australia driving licence.

    Please let me know if you can help.

    Regards,
    Jansen

      Avatarfinder Customer Care
      ZubairMarch 27, 2017Staff

      Hi Jensen,

      Thank you for your question. I’m sorry to hear about your situation.

      It would be best to work hard to get a driver’s licence first to avoid any future problems. Some insurers may still offer your cover, but the cover can be limited especially if you don’t have the right licence to drive.

      If you want to explore your options, we have a list of imported car insurance brands featured on our website.

      While looking for insurers, please make sure you read the terms and conditions of the policy to learn more and know if it is the right policy for you or not.

      All the best,
      Zubair

    Default Gravatar
    IanFebruary 4, 2017

    Hello,

    I am a U.K. and Aussie citizen with both driving licences and I have spent the last 18 years in Australia – I am heading home for a month and would like to get insured in my fathers car.
    Can you help? Most U.K. Insurances need me to be a resident in U.K. for the last 5 years.

    Thanks,

      Avatarfinder Customer Care
      RichardFebruary 8, 2017Staff

      Hi Ian,

      Thanks for getting in touch. Unfortunately, the insurance brands in our panel only offer cover while in Australia.

      Cheers,
      Richard

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