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NAB Car Insurance

NAB performed well in the 2024 Finder Car Insurance Awards, with affordable premiums and strong policy benefits.

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Our verdict


  • NAB's premiums are 24% cheaper than average, according to Finder research
  • Generous hire car benefits of up to $100 a day for 30 days if your car is stolen
  • Option to add up to $3,000 in cover for tools of trade


  • Drivers over 50 will likely be able to find cheaper car insurance elsewhere
  • Only $500 covered for emergency repairs, whereas some brands offer up to $1,000
  • If you want roadside assistance, you'll have to go through a different provider

How does NAB compare with other car insurers?

NAB offers a strong range of benefits with decent limits, while its premiums are generally lower than average in comparison to other car insurers.


Name Product Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
NAB Comprehensive
  • If your car is written off in the first 2 years
  • Budget Direct Comprehensive
  • If your car is written off in the first 2 years or is under 40,000kms
  • Optional
    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.
    NRMA Comprehensive
  • If your car is written off in the first 2 years
  • Optional
    AAMI Comprehensive Car Insurance
  • If your car is written off or stolen in the first 2 years
  • Optional
    Finder's summary: AAMI's comprehensive policy includes cover for legal modifications and accessories and up to $20 million cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available.

    ⭐ Current offers: Save $50 when you buy a new comprehensive car insurance policy online. T&Cs apply.

    Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.
    Allianz Comprehensive
  • If your car is written off or stolen in the first 2 years
  • Finder’s summary: Allianz is good if you want agreed value (this lets you agree on an amount to cover your car for). For a big insurer, it also has a strong customer service record.

    Who it might be good for: Anyone who wants good customer service and agreed value cover.

    Congratulations, NAB!

    NAB received the highly commended award for 'Car Insurance - WA' in the 2023 Customer Satisfaction Awards.

    Full list of 2023 winners


    According to Finder's 2024 car insurance awards research, NAB's premiums were 24% cheaper than average. However, young drivers benefited the most. Drivers in their 20s and 30s saw premiums much cheaper than average for their age, while older drivers probably wouldn't struggle to find more affordable policies elsewhere.

    Keep in mind, the best car insurance for you may be based on more than price.

    InsurerNSWQLDSATASVICWAAustralia averageApply
    NAB logo$1,079$1,138$948$880$1,469$932$1,074More info
    Budget Direct Logo$1,148$941$978$829$1,180$880$992Get quote
    youi$1,640$1,307$1,087$1,155$1,599$1,363$1,359Get quote
    NRMA logo$2,027$1,154$1,038$1,004N/A$1,034$1,043More info
    AAMI$1,884$1,106$1,015$985$1,318$1,002$1,218More info

    About our car insurance methodology

    Customer reviews

    Compare NAB's policies

    Name Product Accidental damage Roadside assistance Fire and theft New Car Replacement Hire car after theft
    NAB Comprehensive
  • If your car is written off in the first 2 years
  • Up to $100 per day - Up to 30 days
  • NAB Third Party Property Damage
  • NAB Third Party Fire and Theft
  • Up to $100 per day - Up to 30 days
  • loading

    NAB's third party fire & theft policy is no longer available to new customers.

    What additional cover options are available?

    NAB offers a range of customisation options so drivers can tailor their policies, including:

    • Rental car following an accident - up to $100 a day for 30 days if your car is out of action following an insured accident
    • No excess windscreen claims - claim up to two repairs and one replacement each year on your windscreen, sunroof or window glass, without paying an excess
    • Tools of trade - Claim up to $3,000 if your properly-secured tools of trade are stolen or damaged in an insured incident

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    Nicola Middlemiss's headshot
    Senior writer

    Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio

    Nicola's expertise
    Nicola has written 238 Finder guides across topics including:
    • Personal finance
    • Personal insurance, including car, health, home, life, pet and travel insurance
    • Commercial business insurance

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    2 Responses

      Default Gravatar
      JacquesJune 21, 2017

      VW Touareg 2007 6 cylinders driving less 5km per year, currently on 120$ per month. I would want to pay less.

        RenchJune 22, 2017Finder

        Hi Jacques,

        Thanks for your inquiry.

        Please visit this page for helpful info on how you can pay less for car insurance and where you can compare your option:
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        Hope this information helped


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