Comprehensive car insurance in Australia

Over 1,800 quotes from 30 driver profiles crunched.

What vehicle do you want to insure?

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 comprehensive car insurance for customer satisfaction: Youi

Youi car insurance

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 in Finder's Car Insurance Customer Satisfaction Awards 2024. 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.
Get quote

Best value comprehensive car insurance: Budget Direct

Budget Direct Logo

What we like about Budget Direct:

Pros:

  • It was Highly Commended for its feature-packed car insurance in the 2025 Finder Awards. 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 has 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.
Get quote

Cheap comprehensive car insurance: Bingle car insurance

Bingle car insurance logo

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 2025 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
Youi car insurance

Looking for a great value policy with exceptional customer service?

Youi Comprehensive Car Insurance has you covered. Here's a few reasons why: It won the 2025 Finder Customer Satisfaction Awards, 97%* of Youi's existing customers said they're trustworthy and reliable, and you can chat with a Youi representative to see if they can get you a better deal than your current insurer.

Start your quote *Of those surveyed

Compare comprehensive car insurance

12 of 71 results
Finder Score Accidental damage Roadside Assistance Agreed or market value Storm & Flood
Finder Score
Agreed or Market
Summary: A great value policy with exceptional customer service. Youi won the 2024 Finder Award for Customer Satisfaction. It scored highly for features and benefits, customer service and reliability. It also automatically includes roadside assistance with comprehensive policies in its price - a feature that typically costs upwards of $90 per year.
Get Quote More info
Compare product selection
Finder Score
Agreed
Get 10% off the base premium for the first 2 consecutive monthly policies and up to a 15% potential monthly discount from your 3rd month for being a safer driver. Minimum premiums may apply. T&Cs apply.
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.
Get Quote More info
Compare product selection
Finder Score
Optional add-on
Agreed or Market
Receive 15% off your first year's premium when you purchase cover online. T&Cs apply.
Summary: Budget Direct Comprehensive is highly commended as a feature-packed car insurance. It's cheaper than most, plus you can lower costs by adding age restrictions.

Who it might be good for: Anyone who wants a good value policy.
Get Quote More info
Compare product selection
Bingle logo
Finder Score
Finder Score
Market
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.
Get Quote More info
Compare product selection
Coles logo
Finder Score
Finder Score
Optional add-on
Agreed or Market
Save 15% off your first year’s premium when you take out a new Coles Car Insurance policy online. T&Cs apply.
Summary: Coles Comprehensive Car Insurance includes the benefits you'd expect, plus features like grocery replacement (up to $200 if damaged or stolen. T&C's apply).

Who it might be good for: Those who want great quality cover and more rewards with Flybuys.
Get Quote More info
Compare product selection
Kogan logo
Finder Score
Finder Score
Optional add-on
Agreed or Market
Up to 10% off your first year's premium when you apply online and $10 monthly Kogan credit (valid on $100+ purchases) for active policyholders. Black Friday deal: Get 12 months Complimentary Roadside Assist. T&Cs apply.
Summary: Kogan comes with all the perks that most comprehensive car insurance policies include, but you’ll also be entitled to some benefits from its online store. This usually comes in the form of a gift voucher or discount if you buy online.

Who it might be good for: Kogan shoppers and those after a good range of policy options.
Get Quote More info
Compare product selection
QBE logo
Finder Score
Finder Score
Agreed or Market
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).
Get Quote More info
Compare product selection
Qantas Car Insurance logo
Finder Score
Finder Score
Optional add-on
Agreed or Market
Earn up to 40,000 Qantas Points with every car insurance policy. Ends 28 Jan 2026. Plus save 15% on your 1st year’s premium when you purchase online. T&Cs apply.
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).

Who it might be good for: People who want more bang for their buck with Qantas Points.
Get Quote More info
Compare product selection
Australian Seniors logo
Finder Score
Finder Score
Optional add-on
Agreed
Save 5% on your first year's car insurance premium by holding a valid Seniors Card. T&Cs apply.
Finder’s summary: Australian Seniors’ comprehensive policy includes complimentary hire car for a stolen car, up to $1,000 for a damaged trailer or caravan, up to $500 for emergency travel and accommodation cover.

Who it might be good for: People over 50 years old looking for flexible cover options.
Get Quote More info
Compare product selection
Real logo
Finder Score
Finder Score
Optional add-on
Agreed
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. It's 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 its Pay As You Drive policy.
Get Quote More info
Compare product selection
ING logo
Finder Score
Finder Score
Optional add-on
Agreed or Market
Save 15% on your first year’s premium when you buy a new ING comprehensive car insurance online. T&Cs apply.
Summary: A policy with high benefit limits included as standard with plenty of optional add-ons.

Who it might be good for: Drivers who like the ability to tailor their cover with lots of optional extras like windscreen damage and roadside assistance.
Get Quote More info
Compare product selection
Huddle logo
Finder Score
Finder Score
Optional add-on
Agreed or Market
Summary: Huddle's comprehensive policy will cover you if your vehicle is damaged or lost as a result of a collision, a natural event, a malicious act, theft or fire. It also includes up to $500 for essential repairs.

Who it might be good for: Someone who drives less than 15,000 km a year can opt for Pay As You Drive cover.
Get Quote More info
Compare product selection
loading
Showing 12 of 12 results

Finder 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. We use your responses to our quiz to pair you with the closest price profile and while we are not allowed to display actual quotes, our price score aims to serve as an indicative guide to how cost 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.

Depending on your answers to our car insurance quiz, we upweight the relevant price score or feature score to generate a dynamic Finder Score (80% weighting on the primary selection between Price or Feature). Finder Score, Price Score and Feature Score are only to be used as indicative guides and are not product recommendations.

Read the full methodology

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.

5 of 5 results
Sample quote
Sample quote
$2,078.79
Get Quote More info
Compare product selection
Sample quote
$1,826.97
Get Quote More info
Compare product selection
Sample quote
$1,740.19
Get Quote More info
Compare product selection
ING logo
Finder Score
Sample quote
$1,757.36
Get Quote More info
Compare product selection
Qantas Car Insurance logo
Finder Score
Sample quote
$1,914.19
Get Quote More info
Compare product selection
loading
Showing 5 of 5 results
5 of 5 results
Sample quote
Sample quote
$1,116.39
Get Quote More info
Compare product selection
Sample quote
$1,173.64
Get Quote More info
Compare product selection
Sample quote
$1,117.48
Get Quote More info
Compare product selection
ING logo
Finder Score
Sample quote
$1,128.92
Get Quote More info
Compare product selection
Qantas Car Insurance logo
Finder Score
Sample quote
$1,229.24
Get Quote More info
Compare product selection
loading
Showing 5 of 5 results
5 of 5 results
Sample quote
Sample quote
$848.09
Get Quote More info
Compare product selection
Sample quote
$888.60
Get Quote More info
Compare product selection
Sample quote
$846.02
Get Quote More info
Compare product selection
ING logo
Finder Score
Sample quote
$854.76
Get Quote More info
Compare product selection
Qantas Car Insurance logo
Finder Score
Sample quote
$930.63
Get Quote More info
Compare product selection
loading
Showing 5 of 5 results

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
$940.92Get quote
Virgin Money$1,013.17

Truck crush

Comprehensive car insurance

ProviderPriceApply
Bingle logo$1,155.57Get quote
$1,180.17Get quote
Rollin' car insurance$1,247.56Get quote
Virgin Money$1,254.01
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
$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
$977.59Get quote

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

Thomas Stelzer's headshot

"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.. "

Journalist
How much are Aussies spending on car insurance?
Every month, we ask hundreds of Australians what they're paying for car insurance. To show you how age impacts the cost of your monthly premium, we've broken these numbers down by generation. Here's what their bill looked like in November 2025.
  • Baby boomers: $108
  • Gen X: $131
  • Gen Y: $166
  • Gen Z: $191
Price based on 590+ responses about their monthly premium in November 2025.

Frequently asked questions

Sources

Gary Ross Hunter's headshot
Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise
Gary Ross has written 589 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living

Get rewarded $$ for switching with Finder Rewards

Find a better deal, save on your bills and get a free gift card. Sign up to be the first to hear about new Finder Rewards.

Ask a question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

More guides on Finder

Go to site