A breakdown of car insurance costs per provider and state
- Budget Direct: $1,011.20
- Virgin: $1,013.08
- Suncorp: $1,711.68
- Everyday: $1,277.77
- Hume Bank: $1,330.93
- CGU: $1,557.99
- Bingle: $683.21
- Huddle: $1,591.83
- Real Insurance: $1,357.18
- AAMI: $839.79
- Budget Direct: $1,022.99
- Virgin: $1,129.81
- Suncorp: $1,703.33
- Everyday: $1,733.24
- Hume Bank: $1,248.68
- CGU: $2,595.83
- Bingle: $872.21
- Huddle: $1,611.67
- Real Insurance: $1,838.15
- AAMI: $1,121.50
- Budget Direct: $739.98
- Virgin: $751.75
- Suncorp: $953.25
- Everyday: $1,101.99
- Hume Bank: $1,057.23
- CGU: $1,132.77
- Bingle: $608.49
- Huddle: $1,108.33
- Real Insurance: $1,166.65
- AAMI: $924.04
- Budget Direct: $765.47
- Virgin: $780.78
- Suncorp: $1,149.87
- Everyday: $1,095.25
- Hume Bank: $916.99
- CGU: $1,230.99
- Bingle: $521.37
- Huddle: $1,196.33
- Real Insurance: $1,164.91
- AAMI: $699.23
- Budget Direct: $583.88
- Virgin: $731.20
- Suncorp: $1,298.35
- Everyday: $1,061.65
- Hume Bank: $978.13
- CGU: $1,344.25
- Bingle: $548.53
- Huddle: $1,086.33
- Real Insurance: $1,125.64
- AAMI: $1,037.54
- Budget Direct: $702.83
- Virgin: $716.89
- Suncorp: $1,024.32
- Everyday: $946.85
- Hume Bank: $823.14
- CGU: $1,138.86
- Bingle: $534.82
- Huddle: $1,006.67
- Real Insurance: $1,004.17
- AAMI: $832.81
We obtained quotes from 35 brands for the 2021 Finder Awards in February 2021. Products were assessed by obtaining prices across 6 different age and gender profiles with an approximate $700-$850 excess.
Based on our research, the cheapest state to get car insurance in is Tasmania with an average of $873 a year.
The most expensive state to get insured in was Victoria, costing Aussie's an average of $1,488 a year.
New south wales | $1,237.46 |
Victoria | $1,487.74 |
Queensland | $954.45 |
South australia | $952.12 |
Western australia | $979.55 |
Tasmania | $873.13 |
When you're younger, you'll pay noticeably more for car insurance as you're deemed to be a higher-risk driver.
But, thankfully, our research says that these high prices don't last! As you get older, your cost should go down as long as you stay a safe driver.
- Age 20: $2,097.35
- Age 30: $1,081.51
- Age 40: $862.97
- Age 50: $793.61
- Age 60: $722.95
We pulled data from the 2021 Finder Awards, and separated the car insurance quotes by driver age. The chart represents the average price across all 6 states.
Based on our research of 6 companies, the average cost of a third party property damage policy is $53.86 a month.
This just covers the financial cost if you damage someone else's car or property.
- Bingle: $31.28
- AAMI: $55.29
- Budget Direct: $48.60
- Virgin Money: $49.51
- GIO: $55.83
- Suncorp: $82.66
To get these costs, we averaged together the cost of a female policy, born on 1/1/1980. Drives a 2018 Toyota Hilux, live in Sydney, drive around 10,000-15,000 kms per year, and adjusted the excess to $850 where possible. Quotes were gathered in September 2021.