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Comprehensive car insurance – the Lambo of insurances

Get Ferrari-level car insurance for the price of a Fiat.

Comprehensive car insurance
Customer satisfaction

Youi

Finder Award
  • Cheaper premiums than average*
  • 2023 Finder Award winner for customer satisfaction
  • Automatically includes roadside assistance
    *According to Finder research.

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.

Cheap comprehensive car insurance: Bingle car insurance

Bingle car insurance logo
Best low cost car insurance 2024

What we like about Bingle:

Pros:

  • At an average of $862 per year, Bingle had the cheapest comprehensive car insurance premiums out of the 30+ providers we reviewed in our Finder Awards. That's why it won the 2024 Finder car insurance award for low cost.
  • It's cheaper than other insurers because it covers you for the essentials and nothing more – for example, it'll cover damage to your car, from bad weather to accidents, plus damage to other people's cars and property. If you want cover for agreed value then you'll need to look elsewhere.

Cons:

  • Bingle isn't the best policy if you want lots of extras. For example, windscreen cover and a hire car after an accident aren't automatically included.
  • Bingle is all online and its customer service can be difficult to get through to, according to customer reviews.
Get quote

Best comprehensive car insurance for customer satisfaction: Youi

Youi car insurance

Best customer satisfaction winner 2023

What we like about Youi:

Pros:

  • It's good if you want a very comprehensive policy. It covers all the basics plus it's the only car insurance provider to automatically include roadside assistance with its comprehensive policy.
  • It costs an average of $1,359 per year inclusive of roadside assistance. While a few other insurers could beat this average cost, none of them include roadside assistance (which is typically around $100 extra per year).
  • Youi placed first out of 15 car insurers in Finder's Car Insurance Customer Satisfaction Awards 2023. It scored particularly highly in the categories of customer service and ease of application.

Cons:

  • You usually need to speak with someone over the phone before you buy a policy, so if you'd rather do it all online, Youi may not be best for you.
  • Its roadside assistance feature only covers the first 2 call-outs in a year.
  • You don't automatically get to choose your own repairer. You have to pay extra for this.
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Best value comprehensive car insurance: Budget Direct

Budget Direct comprehensive car insurance
Best value car insurance 2024

What we like about Budget Direct:

Pros:

  • It was our 2024 Finder Awards winner for best value comprehensive car insurance. It covers you for the essentials, such as damage to your own car and others, plus pays for other expenses including if you need to replace your keys or get a hire car if yours is stolen. Plus you get a 15% discount in your first year when buying online.
  • It earned the highest score for best value in our Finder Awards and an average price of $992 a year.

Cons:

  • Budget Direct doesn't necessarily offer the cheapest comprehensive car insurance policy. That award goes to Bingle. However, it does cover you for more.
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Top pick for quality service: Australia Post comprehensive car insurance

Aus Post car insurance logo

What we like about Australia Post:

Pros:

  • Its policies are issued by QBE which has one of the best complaints records of all the very large insurers. Why not just go with QBE then? Because Australia Post's policies tend to be cheaper.
  • It's one of the only insurers to include excess-free repairs if your windscreen is damaged. Many providers will make you pay extra for this.
  • No stressing if someone else drives your car. Cover applies to anyone who gets behind the wheel.

Cons:

  • It's not cheap. Based on our research of 30+ comprehensive car insurance policies, it's in the top 5 most expensive.
  • Roadside assistance isn't available via Australia Post. If you want this, you'll need to pay for it separately.
More info

Compare comprehensive car insurance

Name Product Accidental damage Roadside Assistance Agreed or market value Storm & Flood Finder Score
Youi Comprehensive
Agreed or Market
5/5★★★★★
Finder's summary: The 2023 winner of our Best Features Car Insurance award. Plus, it's one of the only insurers to automatically include roadside assistance.

Who it might be good for: Those who want good customer service with lots of inclusions.
Bingle Comprehensive
Market
4.5/5★★★★★
Finder's summary: Our data shows it’s the cheapest comprehensive policy. It just covers the basics such as damage to your car, theft and storms – it doesn’t go in for add-ons and extras.

Who it might be good for: Those wanting a low-cost, no-frills policy.
Budget Direct Comprehensive
Optional add-on
Agreed or Market
5/5★★★★★
Finder's summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: Anyone who wants a good value policy.
Qantas Comprehensive
Optional add-on
Agreed or Market
5/5★★★★★
Finder's summary: You need car insurance so why not get one that lets you earn Qantas Points? It's good value too (it's underwritten by the same insurer as Budget Direct).

⭐ Current offer: Earn up to 30,000 Qantas Points with every car insured by 30 September. Plus save 15% on your 1st year’s premium when you purchase online. T&Cs apply.

Who it might be good for: People who want more bang for their buck with Qantas Points.
ROLLiN' Comprehensive
Agreed
5/5★★★★★
Finder's summary: One of the most cost-effective insurers for under 25s, according to Finder research, with no aged-based excess.

Who it might be good for: Young drivers looking to keep costs down and anyone who’d like to get more flexibility from their car insurance.
QBE Comprehensive
Green Company
QBE Comprehensive
Agreed or Market
2.5/5★★★★★
Finder's summary: Our best-rated Car Insurer for Customer Satisfaction in 2021/2022 and Green Insurer for the last 3 years.

⭐ Current offer: Save $75 when you purchase a new comprehensive policy online. T&Cs apply.

Who it might be good for: Those who want a trustworthy insurer and more cover than other brands, such as 3-year new car replacement (e.g. they'll give you money for a new car for up to 3 years if yours is written off).
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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.

Comprehensive car insurance

Comprehensive car insurance quotes for 20-year-olds

ProviderAverage costApply
Rollin' car insurance
$1,226
Get a quote
Budget Direct Logo
$1,339
Get a quote
Bingle logo
$1,364
Get a quote
Hume Bank Logo
$1,395
More info
Virgin Money
$1,472
More info

Comprehensive car insurance

Comprehensive car insurance quotes for 30-year-olds

ProviderAverage costApply
Bingle logo
$839
Get a quote
Rollin' car insurance
$874
Get a quote
PD Logo
$895
More info
Hume Bank Logo
$960
More info
NRMA Logo
$975
More info

Comprehensive car insurance

Comprehensive car insurance quotes for 40-year-olds

ProviderAverage costApply
PD Logo
$709
More info
Bingle logo
$742
Get a quote
Rollin' car insurance
$822
Get a quote
Hume Bank Logo
$866
More info
NRMA Logo
$879
More info

Comprehensive car insurance

Comprehensive car insurance quotes for 50-year-olds

ProviderAverage costApply
PD Logo
$709
More info
Bingle logo
$717
Get a quote
Rollin' car insurance
$799
Get a quote
Hume Bank Logo
$807
More info
NRMA Logo
$843
More info

Comprehensive car insurance

Comprehensive car insurance quotes for 60-year-olds

ProviderAverage costApply
PD Logo
$646
More info
Bingle logo
$649
Get a quote
Rollin' car insurance
$708
Get a quote
NRMA Logo
$761
More info
Hume Bank Logo
$765
More info

What does comprehensive car insurance cover?

Check icon

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
plus icon

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

As part of the Finder car insurance awards, we sourced 1,800+ quotes across over 30 different providers in 6 different states. The providers listed in the table below were the top 5 cheapest of the providers 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.

Truck crush

Comprehensive car insurance

ProviderAverage priceApply
Hume Bank Logo$899.86More info
St. George$929.28More info
Westpac$929.28More info
Bingle logo$934.75Get quote
Picture not described$1,079.01More info
Truck crush

Comprehensive car insurance

ProviderPriceApply
Rollin' car insurance$842.81Get quote
Bingle logo$871.90Get quote
PD Logo$933.57More info
Budget direct logo$940.92Get quote
Virgin Money$1,013.17More info

Truck crush

Comprehensive car insurance

ProviderPriceApply
Bingle logo$1,155.57Get quote
Budget direct logo$1,180.17Get quote
Rollin' car insurance$1,247.56Get quote
Virgin Money$1,254.01More info
Hume Bank Logo$1,280.42More info

Truck crush

Comprehensive car insurance

ProviderPriceApply
Rollin' car insurance$709.46Get quote
Bingle logo$726.41Get quote
Hume Bank Logo$782.57More info
PD Logo$825.31More info
Budget direct logo$828.74Get quote

Truck crush

Comprehensive car insurance

ProviderPriceApply
Rollin' car insurance$673.72Get quote
Bingle logo$760.75Get quote
Hume Bank Logo$830.92More info
St. George$871.32More info
Westpac$871.32More info

Truck crush

Comprehensive car insurance

ProviderPriceApply
Rollin' car insurance$690.30Get quote
Bingle logo$724.08Get quote
Hume Bank Logo$921.65More info
Picture not described$947.66More info
Budget direct logo$977.59Get quote

We didn't include quotes for NT and ACT because the sample size was too small.

Tom Stelzer

I wasn't convinced comprehensive car insurance was worth it until my car was stolen. If I didn't have comprehensive cover, I would have been out of pocket thousands of dollars when buying a new car.
— Tom Stelzer, Finder Publisher

Frequently asked questions

Jason Loewenthal's headshot
To make sure you get accurate and helpful information, this guide has been edited by Jason Loewenthal as part of our fact-checking process.
Gary Ross Hunter's headshot
Editor, Insurance & Innovations

Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

Gary Ross's expertise
Gary Ross has written 730 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living

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