Comprehensive Car Insurance

We found an average difference of $2,643 between two comprehensive car insurance policies. How much could you save on your policy?


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Comprehensive cover is the highest level of car insurance you can get on the market. It protects you if you're in an accident, a big storm thrashes your car, or someone hits your car with their shopping trolley.

In our 2019 Finder Awards, we found that one budget car insurer averaged at $682 a year, whilst another hit a huge average of $3,325 a year. That's a difference in $2,643! So if you think you're paying too much for your comprehensive car insurance then you could be right.

Read on to learn what policy might be a good option for you and how you could save.

Alexandra Koster Insurance Expert

Finder Award Winner: Budget Direct Car Insurance

Budget Direct won the 2019 Finder Award for Best Value Car Insurance because it was one of the more affordable policies on the market, whilst still providing strong coverage for your car.

Their policy boasts flood and storm cover, 24/7 phone assistance, adjustable excess, optional roadside assistance, a hire car, towing costs, and even a hail warning SMS system.

  • 15%
    15% off first year's premium for new policies purchased online. T&Cs apply.
  • 24/7
    24/7 roadside assistance for less than $1.60 a week
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Compare comprehensive car insurance policies

Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Budget Direct Comprehensive
Agreed or Market
Our 2019 Finder Award winner for Best Value Car Insurance.
Qantas Comprehensive
Agreed or Market
Earn up to 20,000 Qantas Points when you sign up. Points awarded will be based on your premium. T&Cs apply.
Youi Comprehensive
Agreed or Market
Emergency roadside assistance included in Comprehensive policies.
Coles Comprehensive
Agreed or Market
Save 10% when you buy online + collect double flybuys points at Coles Supermarkets. T&Cs apply.
Coles Comprehensive Plus
Agreed or Market
Save 10% when you buy online + collect double flybuys points at Coles Supermarkets. T&Cs apply.
Virgin Comprehensive
Grab a $100 e-Gift card when you purchase a new eligible Virgin Car Insurance policy by 30 September 2020. You’ll also save 15%. T&C's Apply.
Stella Comprehensive
Each new policy holder will receive a free 12 month magazine subscription to their favourite Bauer Media magazine.
Poncho Comprehensive
Temporary 30% reduction in your premium to help ease COVID pressure.
Real Comprehensive
Save up to 10% when you buy online.
Kogan Comprehensive
Save up to 10% when you buy online + $50 Credit.

Compare up to 4 providers

Qantas Car Insurance Deals Qantas Car Insurance Deals

Get up to 20,000 Qantas Points when you buy comprehensive car insurance

Earn up to 20,000 Qantas Points when you sign up. Points awarded will be based on your premium. T&Cs apply.

Last verified

Kogan Car Insurance Deals Kogan Car Insurance Deals

$50 credit offer

Get $50 credit when you take out a comprehensive or pay as you drive car insurance policy. T&Cs apply.

Last verified

Virgin Car Insurance Virgin Car Insurance

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

Grab a $100 e-Gift card when you purchase a new eligible Virgin Car Insurance policy by 30 September 2020. You’ll also save 15%. T&C's Apply.

Last verified

Deal ends

Budget Direct Budget 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

Stella Car Insurance Deals Stella Car Insurance Deals

Free 12 month magazine subscription

Each new policy holder will receive a free 12-month magazine subscription to their favourite Bauer Media magazine.

Last verified

Real Car Insurance Deal Real 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

Stuck on who to choose? The 3 most popular car insurers brands on this page are:
1. Budget Direct
2. Youi
3. Coles
Based on clicks to active policies on this page from October 2019 - March 2020

Do I need comprehensive car insurance?

In most cases, getting comprehensive car insurance is a good idea. If you care about your car or depend on it every day, it makes sense to invest in comprehensive car insurance.

It's the only type of car insurance policy that will properly cover you if your car is damaged in an accident. And if it is and you're unable to drive it, most comprehensive car insurance policies will also give you a rental car, and in some instances, a brand new car. You'll also be covered for any malicious damage or vandalism, damage from hail or storms, theft, fire, emergency accommodation, and much more.

One time that it might not be worth getting comprehensive car insurance is if you're young as the cost of comprehensive car insurance might cost more than the car itself. Another time you should reconsider taking out comprehensive car insurance is if you've got a cheap car you might not care much about, as you might not get your money's worth if the car is written off.

How much does comprehensive car insurance cost?

The cost of comprehensive car insurance differs substantially based on your own individual circumstances, like your age, sex, where you live, and what car you drive.

We got quotes for comprehensive car insurance from 10 companies and found that the average cost for our criteria was $$1,055 a year, or $88 a month.

Your costs might be significantly different to the below, so make sure you compare.

Coles$388.32Get quote
Bingle$519.37More info
AAMI$723.17More info
Budget Direct$725.64Get quote
Virgin Money$754.67Get quote
GIO$836.07More info
Suncorp$939.55More info
NRMA$1,315.68More info
CGU$1,633.59More info
QBE$2,054.44More info

To determine this estimated cost, we sourced quotes using this profile:

  • Female driver born 1/1/1980
  • Silver 2016 Ford Falcon 2.0L Auto
  • Comprehensive car insurance
  • Safe driver with no claims made in the past 3 years
  • Drives 10,000-15,000 km per year
  • Adjusted excess to $850 where possible
  • Driver located in Sydney
  • Policy starting 22/01/2020
Your cost will differ depending on your circumstances. Some things that can affect the cost of your quote include your gender, the type of car you drive, the colour of the car, how long you have been driving, the amount of cover you need, plus more. Be sure to read the PDS to find cover that suits you.

What is comprehensive car insurance?

You may be asking yourself, 'What is comprehensive car insurance and what does it cover?' Comprehensive car insurance covers loss or damage to your own vehicle and your legal liability to a third party for loss or damage to their vehicle or property. A typical comprehensive policy covers your vehicle against the following:

  • Flood, hail or storm damage
  • Malicious acts
  • Fire and theft
  • Accident or collision
  • Damage to third party property.

6 things you didn't know your car insurance covered

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6 things you didn't know your car insurance covered

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What extra cover should I consider?

Most comprehensive policies also include a range of extras, or have them as options:

Cover is usually dependent on the vehicle being used by a nominated driver(s) for private and occasional business use only and never for commercial use or driving tuition.

What is excess and why do I need it?

An excess is the amount you must pay towards a claim. Most comprehensive policies let you choose the amount of excess. The more you choose, the less your premium will be. However, it is important to ensure when opting for a higher excess that you will have sufficient funds on hand to pay it if required.

As the cost of repairs resulting from minor accidents is often less than $1,000, many people opt for an excess around this level, so they do not have to claim on their insurance and jeopardise their rating.

The three main types of excesses are the standard, or basic, excess, which is an amount agreed to when you take out the policy and which you have to pay when making a claim, an age excess which usually applies to less experienced drivers under the age of 25, and a special excess which may be applied to some drivers in relation to a specific past incident. You may be able to choose your standard excess level which makes a big difference to premiums.

Should I get third party or comprehensive car insurance?

Which is the best policy for me? It's a common question but a tough one to answer. Everyone’s needs and ideas about the best are different.

For example, one driver may be after the car insurance for under 25 drivers, while another is after comprehensive car insurance for seniors. One driver may want low priced cover against common risks, while another wants to pay more for complete peace of mind. It is these differences in needs that will determine the best* policy for you.

Another question is whether third party or comprehensive insurance better for your needs.

  • Third party car insurance covers you for damage your vehicle causes to other people's vehicles or property. It generally does not cover you for theft of or damage to your own vehicle. It costs less than comprehensive car insurance, but offers little to no protection for your own vehicle. This is a good choice if you’re driving an older or less valuable car. It covers you from the most potentially expensive risks, but doesn’t extend unnecessary levels of protection to your own vehicle.
  • Comprehensive car insurance covers you for third party damage and for damage to your own vehicle. It also covers you for fire, theft and any other dangers named in the insurance policy. Most also offer a range of other benefits such as towing, windscreen replacement and much more. This is a good choice for people with more expensive cars, or one they’re still making payments on, who want the highest level of cover available. Some car loans may require you to take out comprehensive cover.

What's the right type of car insurance for you?

How can I save?

Despite the higher cost of comprehensive car insurance, there are ways to reduce your premiums and make it more affordable. Ensure that when you look at a policy you consider:

  • Shop around. Not all insurers charge the same, so look for a good deal. Compare both prices and benefits offered to find a policy option that fits your needs and budget.
  • Increasing your excess. Increasing your excess can ensure that your premiums stay lower.
  • Looking for no-claim bonus discounts. These can save you as much as 70% on your premiums.
  • Restricting usage to nominated drivers. Some insurers provide a discount if only you and your spouse drive the vehicle.
  • Bundling your insurance. If you have other forms of insurance, you may be eligible for a discount if you add car insurance as well. Look for multi-policy discounts.
  • Making your vehicle safer. Having a car alarm or immobiliser may earn you a discount from your insurer.
  • Driving a smaller car. A car with less engine capacity costs less to insure than a bigger, more powerful model.
  • Looking for an insurer who differentiates. Some comprehensive car insurers take into consideration how often you use your vehicle and reward adjust the premiums accordingly.

What does my insurer really need to know? Should I tell them everything?

When applying for comprehensive insurance, it is very important that you tell your insurer anything that is likely to have an effect on how much they charge you for your policy. If you don’t comply with your Duty of Disclosure, and they discover you have not been totally honest with them, they may reduce your claim or even refuse to pay at all.

You should also advise your insurer when you situation changes, such as if you move house, modify your car, include additional drivers or start using your vehicle for a purpose other than that specified in the policy. All these things can affect your premium amount and the extent of your cover, so you need to be upfront at all times with your insurer.

Other questions you may have about comprehensive car insurance

Compare comprehensive car insurance policies

* We got this cost by dividing the monthly premium for Budget Direct's policy into a daily amount.
Picture: Unsplash

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18 Responses

  1. 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!


  2. Default Gravatar
    ZiadFebruary 12, 2018

    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.

    • 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 on this page for 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 it helpful to 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,

  3. Default Gravatar
    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 a page on what to do if you’ve been convicted of drink driving which you might find useful. Unfortunately, there’s no set insurer that will offer you cover as it annoyingly comes down to each persons 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!


  4. Default Gravatar
    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!


  5. Default Gravatar
    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.


  6. Default Gravatar
    HelenJune 20, 2017

    Where’s best to insure an imported vehicle?

  7. Default Gravatar
    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.


  8. Default Gravatar
    JansenMarch 21, 2017


    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.


    • Avatarfinder Customer Care
      ZubairMarch 27, 2017Staff

      Hi Jensen,

      Thank you for your question.

      Currently, there is no insurer in our panel that offers cover for an imported car. However, at the bottom of the page, you can find the list of some specialist insurers who might be able to offer cover for imported cars.

      All the best,

  9. Default Gravatar
    IanFebruary 4, 2017


    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.


    • 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.


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