Comprehensive car insurance in Australia

Customer service

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Youi Comprehensive

Youi Comprehensive

2025 Finder Customer Satisfaction Award

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Price

FINDER AWARD

Budget Direct Comprehensive

Budget Direct Comprehensive

2026 Finder Award winner

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Value

Coles Comprehensive Insurance

Coles Comprehensive Insurance

15% online sign up discount

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Features

Qantas Comprehensive

Qantas Comprehensive

Earn bonus Qantas Points

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How we calculate Comprehensive Car Insurance Finder Scores

Read full methodology

What different scores mean

9+

Excellent

These products offer the best value and outcomes considering various product features and price.

7+

Great

Competitive products within their group.

5+

Standard

But these products still offer reasonable value and have the basics sorted.

0+

Basic

Offering basic cover with limited features or higher pricing.

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

Finder Score	Roadside Assistance	Accidental damage	Agreed or market value
Best for customer satisfaction
Finder Score 9.4 Excellent Youi Comprehensive Finder Award	Finder Score 9.4 Excellent			Agreed or Market	Get Quote View details Compare product selection Compare	loading	Why we like it Youi Comprehensive Car Insurance won the 2025 Finder Award for Customer Satisfaction, voted on by everyday Australians. It has back-to-back Finder Customer Satisfaction wins across several categories, including customer service, ease of claims and trust. Pros & cons Pros Australia-based customer service team, committed to helping you understand the ins and outs of your policy Cons While customers fill out an online application for a quote, a Youi representative will call you at the end, which can be frustrating for customers who prefer an online-only experience
Best for price
Finder Score 9.9 Excellent Budget Direct Comprehensive Finder Award	Finder Score 9.9 Excellent	Optional		Agreed or Market	Discount: Receive 15% off your first year's premium when you purchase cover online. T&Cs apply.	Get Quote View details Compare product selection Compare	loading	Why we like it Budget Direct Comprehensive Car Insurance is the 2026 Finder Award winner for Best Low Cost Car Insurance. The insurer remains one of the best-value car insurers on the market, offering top-tier cover at an affordable price point. Pros & cons Pros Provides a similar level of cover to other insurers but at a lower price Generous 15% online sign up discount for the first policy year Cons Limited personal effects cover
Best for value
Finder Score 9.8 Excellent Coles Comprehensive Insurance	Finder Score 9.8 Excellent	Optional		Agreed or Market	Save 15% off your first year’s premium when you take out a new policy online. T&Cs apply.	View details Compare product selection Compare	loading	Why we like it Coles Comprehensive Car Insurance offers a broad range of cover, plus a handful of unique features including grocery replacement. Pros & cons Pros 2026 Finder Highly Commended winner for Best Value Car Insurance Unique coverage benefits, including grocery replacement Earn a 15% discount on your first year’s premium when you buy a policy online Cons $40 policy cancellation fee Customers pay extra when they pay their premium monthly or fortnightly
Best for features
Finder Score 9.8 Excellent Qantas Comprehensive	Finder Score 9.8 Excellent	Optional		Agreed or Market	Bonus points offer: Earn up to 40,000 Qantas Points with every car insurance policy. Ends 27 May 2026. Plus save 15% on your 1st year’s premium when you purchase online. T&Cs apply.	Get Quote View details Compare product selection Compare	loading	Why we like it Qantas Comprehensive Car Insurance offers major-insurer-level coverage at a competitive price. Pros & cons Pros 2026 Finder Highly Commended winner for Best Features Car Insurance Higher coverage limits across certain personal effects, like key replacement You can save 15% on your first year's premium when you purchase online Cons If you don’t value Qantas Points, you won’t get the maximum value from the policy

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Finder Score	Roadside Assistance	Accidental damage	Agreed or market value
Promoted Finder Score 9.4 Excellent Youi Comprehensive Finder Award	Finder Score 9.4 Excellent			Agreed or Market	Summary: A great value policy with exceptional customer service. It also automatically includes roadside assistance with comprehensive policies in its price - a feature that typically costs upwards of $90 per year.	Get Quote View details Compare product selection Compare	loading
Promoted Finder Score 9 Excellent ROLLiN' Comprehensive	Finder Score 9 Excellent			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 View details Compare product selection Compare	loading
Promoted Finder Score 9.9 Excellent Budget Direct Comprehensive Finder Award	Finder Score 9.9 Excellent	Optional		Agreed or Market	Discount: 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 View details Compare product selection Compare	loading
Finder Score 7.5 Great QBE Comprehensive	Finder Score 7.5 Great			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 View details Compare product selection Compare	loading
Finder Score 7.8 Great RACV Comprehensive (VIC customers only)	Finder Score 7.8 Great			Agreed or Market	Summary: RACV Comprehensive offers member-based car insurance with flexible cover options and solid inclusions, depending on your level of cover. Who it might be good for: VIC drivers seeking customisable cover with strong benefits and potential member perks.	Get Quote View details Compare product selection Compare	loading
Finder Score 8.5 Great Bingle Comprehensive	Finder Score 8.5 Great			Market	Summary: Bingle car insurance delivers decent coverage across the basics, such as damage to your car, theft and storms. Who it might be good for: Drivers looking for a no-frills policy with accessible coverage options.	Get Quote View details Compare product selection Compare	loading
Finder Score 9.7 Excellent Kogan Comprehensive	Finder Score 9.7 Excellent	Optional		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. 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 View details Compare product selection Compare	loading
Finder Score 9.8 Excellent Qantas Comprehensive	Finder Score 9.8 Excellent	Optional		Agreed or Market	Bonus points offer: Earn up to 40,000 Qantas Points with every car insurance policy. Ends 27 May 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 View details Compare product selection Compare	loading
Finder Score 9.7 Excellent ING Comprehensive	Finder Score 9.7 Excellent	Optional		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 View details Compare product selection Compare	loading
Finder Score 8.2 Great Australian Seniors Comprehensive	Finder Score 8.2 Great	Optional		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 View details Compare product selection Compare	loading
Finder Score 8.6 Great Real Comprehensive	Finder Score 8.6 Great	Optional		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 View details Compare product selection Compare	loading
Finder Score 8.2 Great Huddle Comprehensive	Finder Score 8.2 Great	Optional		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 View details Compare product selection Compare	loading

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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.

• 20 years old
• 30 years old
• 60 years old

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Sample quote
Promoted Bingle Comprehensive	Sample quote $1,782.49	Get Quote View details Compare product selection Compare	loading
Promoted Qantas Comprehensive	Sample quote $2,183.49	Get Quote View details Compare product selection Compare	loading
Promoted Budget Direct Comprehensive Finder Award	Sample quote $1,872.15	Get Quote View details Compare product selection Compare	loading
ING Comprehensive	Sample quote $2,017.12	Get Quote View details Compare product selection Compare	loading
Coles Comprehensive Insurance	Sample quote $1,965.76	Continue View details Compare product selection Compare	loading

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• How we got these costs

  To get these costs, we sourced quotes from 30 different car insurers across 60 different driver profiles that included different ages, states and genders. Using this data, we have calculated the average cost per provider per age group and showcased the top 5 cheapest in each category. To know more about the driver profile used to source these quotes, see Finder's car insurance methodology.

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Sample quote
Promoted Finder Score 8.5 Great Bingle Comprehensive	Sample quote $1,074.39	Get Quote View details Compare product selection Compare	loading
Promoted Finder Score 9.8 Excellent Qantas Comprehensive	Sample quote $1,411.89	Get Quote View details Compare product selection Compare	loading
Promoted Finder Score 9.9 Excellent Budget Direct Comprehensive Finder Award	Sample quote $1,212.97	Get Quote View details Compare product selection Compare	loading
Finder Score 9.7 Excellent ING Comprehensive	Sample quote $1,305.87	Get Quote View details Compare product selection Compare	loading
Coles Comprehensive Insurance	Sample quote $1,273.62	Continue View details Compare product selection Compare	loading

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We currently don't have that product, but here are others to consider:

How we picked these

• How we got these costs

  To get these costs, we sourced quotes from 30 different car insurers across 60 different driver profiles that included different ages, states and genders. Using this data, we have calculated the average cost per provider per age group and showcased the top 5 cheapest in each category. To know more about the driver profile used to source these quotes, see Finder's car insurance methodology.

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Sample quote
Promoted Finder Score 8.5 Great Bingle Comprehensive	Sample quote $912.24	Get Quote View details Compare product selection Compare	loading
Promoted Finder Score 9.8 Excellent Qantas Comprehensive	Sample quote $1,068.88	Get Quote View details Compare product selection Compare	loading
Promoted Finder Score 9.9 Excellent Budget Direct Comprehensive Finder Award	Sample quote $918.92	Get Quote View details Compare product selection Compare	loading
Finder Score 9.7 Excellent ING Comprehensive	Sample quote $992	Get Quote View details Compare product selection Compare	loading
Coles Comprehensive Insurance	Sample quote $964.87	Continue View details Compare product selection Compare	loading

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We currently don't have that product, but here are others to consider:

How we picked these

• How we got these costs

  To get these costs, we sourced quotes from 30 different car insurers across 60 different driver profiles that included different ages, states and genders. Using this data, we have calculated the average cost per provider per age group and showcased the top 5 cheapest in each category. To know more about the driver profile used to source these quotes, see Finder's car insurance methodology.

What 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.

NSW

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Annual quote
Promoted Bingle Comprehensive	$1,074.39	Get Quote View details Compare product selection Compare	loading
Promoted Qantas Comprehensive	$1,411.89	Get Quote View details Compare product selection Compare	loading
Promoted Budget Direct Comprehensive Finder Award	$1,212.97	Get Quote View details Compare product selection Compare	loading
Coles Comprehensive Insurance	$1,273.62	Continue View details Compare product selection Compare	loading
ING Comprehensive	$1,305.87	Get Quote View details Compare product selection Compare	loading

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• How we got these costs

  To determine these insurance costs, we sourced comprehensive car insurance quotes for a 30-year-old male driver living in postcode 2011 (NSW). The profile used for these quotes assumes a 2020 Toyota Corolla Ascent Sport Direct Shift CVT with an annual mileage of 15,000km. We selected an excess as close to $850 as possible across all providers to ensure a fair comparison. These quotes were obtained in March 2026.

QLD

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Annual quote
Promoted Bingle Comprehensive	$947.21	Get Quote View details Compare product selection Compare	loading
Promoted ING Comprehensive	$1,129.69	Get Quote View details Compare product selection Compare	loading
Promoted Budget Direct Comprehensive Finder Award	$1,041.20	Get Quote View details Compare product selection Compare	loading
Coles Comprehensive Insurance	$1,093.26	Continue View details Compare product selection Compare	loading
Allianz Comprehensive Essentials	$1,206.44	Continue View details Compare product selection Compare	loading

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How we picked these

• How we got these costs

  To determine these insurance costs, we sourced comprehensive car insurance quotes for a 30-year-old male driver living in postcode 4005 (QLD). The profile used for these quotes assumes a 2020 Toyota Corolla Ascent Sport Direct Shift CVT with an annual mileage of 15,000km. We selected an excess as close to $850 as possible across all providers to ensure a fair comparison. These quotes were obtained in March 2026.

VIC

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Annual quote
Promoted Youi Comprehensive Finder Award	$1,665.09	Get Quote View details Compare product selection Compare	loading
Promoted Bingle Comprehensive	$1,126.51	Get Quote View details Compare product selection Compare	loading
Promoted Budget Direct Comprehensive Finder Award	$1,487.74	Get Quote View details Compare product selection Compare	loading
Coles Comprehensive Insurance	$1,562.13	Continue View details Compare product selection Compare	loading
ING Comprehensive	$1,607.82	Get Quote View details Compare product selection Compare	loading

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We currently don't have that product, but here are others to consider:

How we picked these

• How we got these costs

  To determine these insurance costs, we sourced comprehensive car insurance quotes for a 30-year-old male driver living in postcode 3006 (VIC). The profile used for these quotes assumes a 2020 Toyota Corolla Ascent Sport Direct Shift CVT with an annual mileage of 15,000km. We selected an excess as close to $850 as possible across all providers to ensure a fair comparison. These quotes were obtained in March 2026.

Frequently asked questions

• What is comprehensive car insurance?

  Comprehensive car insurance is the highest level of car insurance you can get in Australia. 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.

  It covers costs caused by fire, storm and hail damage and replacement costs if your car is stolen. 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 emergency accommodation costs if you're stranded far from home.

• What is the cheapest comprehensive car insurance policy in Australia?

  According to Finder research, Bingle is the cheapest comprehensive car insurance policy. Remember, everyone's circumstances are different and each insurer will assess your individual criteria so prices will vary.

• How does comprehensive car insurance compare to other types of cover?

  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.

  	Comprehensive	Third party fire and theft	Third 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 difference between insurers.

• Does comprehensive car insurance cover business use?

  Comprehensive car insurance policies can cover you for business use but not by default. You'll need to let your insurer know you plan to use the vehicle for both personal and business use. Your premiums may increase when you add comprehensive car insurance for business use to your existing policy, but it's essential if you want to be covered while using the vehicle for work.

• 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.

  Factor	What happens?
  Age	Young drivers usually pay more for their insurance
  Experience	Experienced drivers often enjoy cheaper premiums
  Gender	Men sometimes pay more than women, although it's usually equal in older drivers
  History	Drivers who have made recent claims will pay more for their premiums
  Car value	Cheaper cars are less expensive to insure
  Car features	If your car has safety or security features, it may be cheaper to insure
  Usage	People who drive fewer kilometres per year may have cheaper premiums
  Location	Cars kept in safe neighbourhoods or secure locations can see cheaper premiums
  Cover	A higher level of protection that offers extra perks will be more expensive
  Excess	If you choose a higher excess, your premiums will be lower
  Restrictions	If you restrict the age of other drivers, you may be able to lower your premium

• How can I save money on comprehensive car insurance?

  Here are a few ways to make your comprehensive car insurance 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.

• Can anyone drive my car if I have comprehensive insurance?

  Some comprehensive policies will cover anyone with a driving licence. 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 comprehensive car insurance compulsory in Australia?

  Comprehensive car insurance isn't compulsory in Australia. However, compulsory third party (CTP) is a legal requirement.

• Do you need CTP insurance if you have comprehensive cover?

  Yes. Compulsory third party (CTP) insurance covers you for legal expenses if you injure or kill someone in a motor vehicle accident. Comprehensive car insurance doesn't cover you for this.

• What should I consider when looking for comprehensive car insurance if I plan to use my car for ridesharing?

  If you plan to use your car to work for a ridesharing service, like Uber or Ola, then you'll need to ensure your car insurer allows this. When getting a quote, be sure to include that you plan to use your vehicle for this purpose and then you'll be prompted to answer some more questions about the frequency of use. Your quote will then reflect these circumstances. If you're unsure about how to answer this in the quote form, it's best to contact the insurer.

• Why is my comprehensive car insurance so expensive?

  If you've noticed an increase in your comprehensive car insurance premium, you're not alone. Insurers tend to up your premium every year…even though the value of your car is likely going down. This is because the premiums are rising in line with the inflation of things like car parts, repair and labour costs. It can also be because of environmental factors. For example, more wild weather resulting in more bushfires and more hail all up the chances of you making a claim and therefore up your premium.

• Will my comprehensive car insurance cover my windscreen damage?

  Yes, windscreen damage is typicaly covered by comprehensive car insurance. Whether you will have to pay an excess or not will depend on the policy you chose and the circumstances outlined in your product disclosure statement (PDS).

To make sure you get accurate and helpful information, this guide has been edited by Jason Loewenthal as part of our fact-checking process.

Written by

Gary Ross Hunter

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 571 Finder guides across topics including:

• Health, home, life, car, pet and travel insurance
• Managing the cost of living