Comprehensive car insurance is the only type of car insurance that will cover your own car as well as other people's property. If you want to protect your own vehicle against accidental damage then comprehensive cover is what you're after.
Our car insurance experts have selected a bunch of comprehensive car insurers that we consider best in class, based on extensive research. Whether you prioritise price, features, customer service or something else — there's a pick for you. Remember, the below should be used as a guide only and you should always read the product disclosure statement (PDS) to know if it's right for you.
- Best for customer satisfaction: Youi Comprehensive
- Best for price: Budget Direct Comprehensive
- Best for value: Coles Comprehensive Insurance
- Best for features: Qantas Comprehensive
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How we picked theseFinder Score for car insurance
We analyse over 30 car insurance products across insurance providers, and rate each one for price and features. We collect up to 36 quotes per product, for male and female drivers in New South Wales, Victoria, Queensland, South Australia, Tasmania and Western Australia. Quotes are collected for 20 year olds, 30 year olds and 60 year olds, assuming an excess of $850 for a 2020 Toyota Corolla 4 door sedan model, with an average 15,000 kms driven each year. While we are not allowed to display actual quotes, our Finder Score aims to serve as an indicative guide to how cost and feature competitive a product might be for you.
Our feature score assesses each product for more than 15 features across loss and damage coverage, repairs and assistance coverage, personal items coverage and policy coverage. Features we assess include but are not limited to legal liability, essential repairs, new car replacement, car hire events, roadside assistance, agreed or market value, windscreen damage and natural disaster coverage.
How much does comprehensive car insurance cost?
To give you an idea of how much comprehensive car insurance might cost, we've broken down prices by different ages. However, the best car insurance for you may be determined by more than cost.
Keep in mind, costs differ based on your individual circumstances.
Compare other products
We currently don't have that product, but here are others to consider:
How we picked theseCompare other products
We currently don't have that product, but here are others to consider:
How we picked theseCompare other products
We currently don't have that product, but here are others to consider:
How we picked theseWhat does comprehensive car insurance cover?

Always covered
- 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

Typically 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
- Emergency costs if you're stranded
Compare comprehensive car insurance by state
The providers listed in the table below were the top 5 cheapest of the providers we researched and reflect the estimated annual cost based on the profile used. Keep in mind, your own cost will vary depending on your personal circumstances and it's always best to compare a range of providers.
| Brand | State | Quote |
|---|---|---|
| Bingle | NSW | $1,074.39 |
| Qantas | NSW | $1,212.97 |
| Budget Direct | NSW | $1,273.62 |
| Coles | NSW | $1,305.87 |
| ING | NSW | $1,411.89 |
| Youi | VIC | $1,126.51 |
| Bingle | VIC | $1,487.74 |
| Budget Direct | VIC | $1,562.13 |
| Coles | VIC | $1,607.82 |
| ING | VIC | $1,665.09 |
| Bingle | QLD | $947.21 |
| ING | QLD | $1,041.2 |
| Budget Direct | QLD | $1,093.26 |
| Coles | QLD | $1,129.69 |
| Allianz | QLD | $1,206.44 |
- Baby boomers: $134
- Gen X: $124
- Gen Y: $175
- Gen Z: $183
Frequently asked questions
Sources
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