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Finder’s car insurance methodology

How we calculated the Finder car insurance awards and rating.

What are the Finder car insurance awards?

Finder's car insurance awards is a ratings methodology that compares both value and features across 35+ comprehensive car insurance policies. To determine our winners, we got 1,800+ quotes for 37 comprehensive car insurance policies based on 60 different profiles. This methodology has been curated to help drivers find the best car insurance policy for their needs without having to sift through all the jargon.

Why you can trust our research

policies assessed
quotes analysed
hours of research
driver profiles used

Selection criteria

The criteria for Finder's car insurance awards was determined by our insights team and car insurance experts. In order to be eligible:

  • It must be a comprehensive car insurance policy
  • Policies must be available to buy online or over the phone
  • We must be able to get quotes for at least 30 different customer profiles
  • Policies must have been in the market for at least 12 months


Metrics were scored using either the tiered scores when dealing with categorical data points, or a dynamic scoring when dealing with numeric data. Finder's dynamic scoring means a product's metric is scored in comparison to the data points of all the other competitor products.

MetricsScoring method
Agreed or market valueManual scoring
Child seat baby capsulesBinary scoring
Child seat baby capsules detailsManual scoring
Choice of repairerManual scoring
Emergency transport accommodationManual scoring
Emergency transport accommodation_detailsManual scoring
Essential emergency repairsManual scoring
Essential emergency repair detailsManual scoring
Fire and theftManual scoring
FloodcoverManual scoring
Hire car accidentManual scoring
Hire car accident detailsManual scoring
Hire car no fault accidentManual scoring
Hire car no fault accident detailsManual scoring
Hire car theftManual scoring
Hire car theft detailsManual scoring
Key replacementManual scoring
Key replacement detailsManual scoring
Legal liabilityManual scoring
Lifetime guarantee on repairsManual scoring
Newcar replacementManual scoring
Newcar replacement detailsManual scoring
Personal effectsManual scoring
Personal effects detailsManual scoring
Restricted driver optionManual scoring
Restricted driver option detailsManual scoring
Roadside assistanceManual scoring
StormManual scoring
TowingManual scoring
Reduced excess windscreenManual scoring
Reduced excess windscreen repairManual scoring
Quotes for 20 year oldsDynamic Scoring
Quotes for 30 year oldsDynamic Scoring
Quotes for 40 year oldsDynamic Scoring
Quotes for 50 year oldsDynamic Scoring
Quotes for 60 year oldsDynamic Scoring


Driver profile

Our 60 different driver profiles are formed based on 5 different ages (20, 30, 40, 50 and 60-year-olds), 2 genders (male and female) and 6 states (NSW, QLD, VIC, SA, TAS, WA). The car used in each quote was a 2019 Toyota Corolla Ascent 4 Door Sedan. We selected an approximate $700-$900 excess for each policy.

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

Final award score

The award score is designed to make it easier for you to compare insurance policies side-by-side. It's based on the same information we gather as part of the Finder Awards. The final award score is calculated by multiplying the score for each metric by the weight percentage and summing the weighted scores:

Finder’s 2023 car insurance methodology

The 2023 Finder Score is based on a combination of price and features. Features account for 50% of the score, price accounts for 50%. See the breakdown below.

BenefitFinder score
Loss or damage9%
Storm damage2.25%
Flood cover2.25%
Legal liability2.25%
Windscreen damage2.25%
Repairs & assistance15%
Choice of repairer2.25%
Lifetime guarantee on repairs2.25%
Essential emergency repairs2.25%
Roadside assistance6.00%
Personal items6.75%
Personal effects2.25%
Key replacement2.25%
Child seat and baby capsules2.25%
Hire car & replacement6.75%
Hire car after theft2.25%
New car replacement2.25%
Hire car after accident2.25%
Other features & benefits12.50%
Agreed or market value3.25%
Emergency transport and accommodation2.25%
Restricted drivers option4.00%
Pay monthly at no extra cost3.00%
Average price50%

What are the Finder customer satisfaction awards?

The Finder customer satisfaction awards recognise Australia's favourite brands across a huge number of categories. We survey thousands of real Australians to understand how they feel about their recent product purchases to help you make a decision about what product to get. It's an independent awards program calculated by our data and insights team. Commercial partnerships do not influence the results in any way.

In total, we gave out awards to 7 different car insurance brands:

Finder car insurance customer satisfaction awards methodology

  • The recency period varied between 3 months and 3 years.
  • We got a minimum of 35 responses for each car insurer for 5 different states (NT, TAS and ACT were not included because the sample size was too small).
  • Respondents were asked whether they would recommend the car insurer to a friend. This result was scored out of 5 as a percentage. For example, if 80% of respondents said they would recommend a product, it received a score of 4 out of 5.
  • Customers were asked how they would rate each car insurer overall on a scale between 1 and 5 and in terms of:
    • Customer service
    • Features and benefits
    • Ease of application
    • Value for money
  • The overall score for NSW, QLD, WA, VIC and SA was calculated as an average of the 5 metrics outlined above.
  • To determine our national winner, we calculated the average score from the top ranking brands from each of the 5 states we looked at.

Our research in numbers

Total number of responses for NSW: 1,199
Total number of responses for VIC:
Total number of responses for QLD:
Total number of responses for WA:
Total number of responses for SA:
Total number of responses for roadside assistance:

What are the Finder Green Awards?

The Finder Green Awards aim to identify sustainability leaders across some of our main comparison categories including banking, insurance, superannuation, utilities and travel. We highlight the winners on our review pages and comparison tables to make it easier for you to compare policies and know that you're purchasing a policy with a more sustainable brand.

Finder's Green Car Insurer of the Year methodology

We use a dynamic scoring system to decide the winner in each of the industry categories of the Finder Green Awards. Rather than awarding a set number of points for certain values, Finder's dynamic scoring system awards points relative to the other submissions by adjusting scores based on the actual range of submitted values for each category. These sources will then be adjusted to reflect the weightings shown as percentages in the tables below:

Eligibility criteria: Company must have offered insurance products to consumers in Australia in the 12 months prior to 31 December 2021.

General environmental criteria:

Current performance: 40%

  • Emissions intensity
  • Emissions intensity (incl. offsets)
  • Energy from renewable sources
  • Waste avoiding landfill

Environmental targets and reporting: 21%

  • Emissions target
  • Renewable energy target
  • Waste target
  • Public climate change plan
  • External benchmarks/accreditation
Sector-specific environmental criteria:

Climate risk and sustainable investment: 17%

  • Climate change impacts factored into risk management
  • Climate change factored into investment decisions

Climate-friendly products: 22%

  • Incentives/discounts for sustainable purchases or behaviour
  • Carbon neutral products

Finder's third party insurance research

Our team gathered 228 quotes for third party property damage car insurance and 198 quotes for third party fire and theft car insurance.

We used 3 different age profiles, 1 gender and 5 different states across Australia.

  • Ages: 20, 30, & 40 year-olds
  • Gender: female
  • States: NSW, VIC, QLD, WA, SA

The car model used was a white 2007 Mazda 3 Neo BK Series 2 Auto 5DR hatchback.
A total of 426 quotes were collected from 20 different insurers across 15 different driver profiles.

How we determined our market list of car insurers

To get our market list of car insurers in Australia, we looked at products in the Finder database and Find An Insurer, a referral service run by the Insurance Council of Australia (ICA) that provides a list of general car insurance products available in Australia.

We then used ahrefs, a software company that monitors search engine traffic, to see which insurers were the most popular.

We considered it to be a popular car insurer if it had 500 or more monthly searches. This landed us at a list of 30 car insurers.

We then also excluded any specialist car insurance providers and single state providers from our list.

Out of the final list, there were only 3 car insurers we hadn't analysed.

Keep in mind that we haven't assessed every single car insurance provider in the market. We only assessed the most popular car insurance providers in the market.

Why you can trust Finder's car insurance experts


We're free

You pay the same as buying directly from the car insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
expert advice

We're experts

Our team of car insurance experts have researched and rated dozens of policies as part of our Finder Awards and published 330+ guides to make it easier for you to compare.

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of car insurance brands, making it easier for you to find a good deal.

We're here to help

Since 2014, we've helped 300,000+ people find car insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

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