We analyse over 80 car insurance products and rate each one on price and features. What we get out the other end is a nice round number out of 10 to help you start comparing.
To make sure we're comparing apples with apples, we collect quotes for 8 different personas and analyse different car insurance features. Our team then does some fancy maths to get the Finder Score, taking both price and features into account. We analyse comprehensive, third party fire and theft and third party property damage products individually.
We analyse over 80 car insurance products and rate each one on price and features. What we get out the other end is a nice round number out of 10 to help you start comparing.
To make sure we're comparing apples with apples, we collect quotes for 8 different personas and analyse different car insurance features. Our team then does some fancy maths to get the Finder Score, taking both price and features into account. We analyse comprehensive, third party fire and theft and third party property damage products individually.
NRMA offers comprehensive car insurance at a competitive price. While it's not a budget insurer, only 10 brands offered cheaper car insurance than NRMA. Take a closer look using the table below.
Great product range, friendly, well-informed staff, easy-to-use website, fantastic communication and highly competitive pricing.
QLD NRMA Customer
Great customer service and always helpful whenever called for either making a claim or just to organise roadside assistance.
NSW NRMA Customer
Always efficient. Great access online. Were brilliant when submitting a claim recently.
QLD NRMA Customer
"NRMA Car Insurance offered a very competitive rate for my vehicle and desired policy options, so I would recommend everyone to include NRMA in their comparison and get a quote. The online portal has also been easy to use and the customer service helpful."
All the protection of Comprehensive, with extra benefits including a hire car as standard, if your car can't be driven due to an insured incident. Excess-free glass cover is also included, along with taxi fares of up to $250 if your car can't be driven after a covered accident.
Covers your car for accidental damage, collision or crash, vandalism, theft, fire and severe weather. You'll also get a new replacement car if yours is written off within its first two years, tools of trade are covered up to $1,500 and emergency repairs are covered Up to $800.
This covers you for accidental damage to your own car, fire, theft and a few other benefits. It's a basic level of cover so the benefit limits are lower.
All the protection of Third Party Property Damage, plus cover for your car if it's stolen or catches fire. You'll also be able to claim for hire care costs after a theft or attempted theft. Be aware, theft and fire expenses are only covered up to $10,000.
A basic level of protection covering you for accidental damage to other people's cars or property. You're also covered for towing costs and any damage to your car if the accident was caused by an uninsured driver.
Mandatory for NSW motorists, you need CTP insurance before you can register your vehicle. CTP covers medical costs for people injured in road accidents. It doesn't offer any cover for your property or vehicle - only injuries.
The specific benefits of this bespoke cover depend on a vehicle's make and model, as well as any special features it might have. Cars can be covered for wedding hire, special occasions, hobbies or recreation, but not if you use it regularly or drive it more than 9,000km a year.
What additional cover options are available?
No excess for glass damage
No Claim Bonus protection
Hire car after an insured incident
Choose any repairer
FAQs
The cost of car insurance depends on your unique driver profile, including where you live, what car you drive, and if you've had any accidents previously. Generally speaking, NRMA offers competitively priced policies. Remember, the best car insurance for you will be determined by your personal circumstances and your experience of pricing could differ to the profile we've used in this article.
NRMA has an online chat function on its website, available from 8am–9pm, Monday to Friday. Visit www.nrma.com.au/car-insurance.
Alternatively, you can call 132 132 between 7am and 8pm. Or, if you're interested in veteran, vintage and classic car insurance, you can call 1800 646 605 between 8am–8pm Monday to Friday or between 8am–4pm on Saturday and Sunday.
Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio
Nicola's expertise
Nicola has written 243 Finder guides across topics including:
Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
who will cover me with car insurance if i had a low range drink driving charge
Finder
TimApril 28, 2025Finder
Hi Fay – thanks for your question. I was in a similar situation when I was young, thanks to a mid-range speeding fine. I was classed as high risk, so the only company that would insure me was the NRMA, and it cost a pretty penny!
There’s some more information on car insurance with a DUI here, but the short version is that you’ll probably need to get a policy from one of the motoring associations, like the NRMA, RAC or RACV, depending on which state you are in.
With a DUI on your record you’ll be classed as a higher risk driver, and the motoring groups are the only insurance companies that insure these drivers. Unfortunately it does tend to increase your premiums. The good news is that after 3 to 5 years you’ll start to have more options, as some insurance companies will only ask for your driving record for the last 3 or 5 years. If you can keep a safe driving record for a few years, you should be able to get more affordable car insurance again.
Best of luck!
GrahameJanuary 25, 2024
CTP Ins quote pls
Finder
PetaJanuary 29, 2024Finder
Hi Grahame,
If you’d like a quote for CTP insurance then you’ll need to go to the NRMA website for this.
ChrisSeptember 19, 2023
Hi I am having trouble getting comprehensive insurance because of a criminal record. Is there any insurance agencies that will insure me?
Thanks for getting in touch! NCRM covers uber rideshare insurance and it is included in their comprehensive insurance. When you take out a quote, simply select ridesharing when asked if you use your vehicle for business purposes and this add the cover in your policy.
Hope this was helpful. Don’t hesitate to message us back if you have more questions.
Best,
Nikki
ShafiqJuly 6, 2017
Hi. Please advice, are you doing ride sharing insurance with comprehensive insurance?
LiezlJuly 7, 2017
Hi Shafiq,
Thanks for your question. Just to confirm, you have reached finder -a comparison and information service and not actually NRMA.
Yes, ridesharing cover is included in their comprehensive insurance. When you take out a quote, simply select ridesharing when asked if you use your vehicle for business purposes and this add the cover in your policy.
Complete guide to getting car insurance for learner drivers in Australia.
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who will cover me with car insurance if i had a low range drink driving charge
Hi Fay – thanks for your question. I was in a similar situation when I was young, thanks to a mid-range speeding fine. I was classed as high risk, so the only company that would insure me was the NRMA, and it cost a pretty penny!
There’s some more information on car insurance with a DUI here, but the short version is that you’ll probably need to get a policy from one of the motoring associations, like the NRMA, RAC or RACV, depending on which state you are in.
With a DUI on your record you’ll be classed as a higher risk driver, and the motoring groups are the only insurance companies that insure these drivers. Unfortunately it does tend to increase your premiums. The good news is that after 3 to 5 years you’ll start to have more options, as some insurance companies will only ask for your driving record for the last 3 or 5 years. If you can keep a safe driving record for a few years, you should be able to get more affordable car insurance again.
Best of luck!
CTP Ins quote pls
Hi Grahame,
If you’d like a quote for CTP insurance then you’ll need to go to the NRMA website for this.
Hi I am having trouble getting comprehensive insurance because of a criminal record. Is there any insurance agencies that will insure me?
Hi Chris,
Check out this article for more info on this:
https://www.finder.com.au/car-insurance/car-insurance-criminal-record
how much is uber rideshare car insurance?
Hi Adam,
Thanks for getting in touch! NCRM covers uber rideshare insurance and it is included in their comprehensive insurance. When you take out a quote, simply select ridesharing when asked if you use your vehicle for business purposes and this add the cover in your policy.
Hope this was helpful. Don’t hesitate to message us back if you have more questions.
Best,
Nikki
Hi. Please advice, are you doing ride sharing insurance with comprehensive insurance?
Hi Shafiq,
Thanks for your question. Just to confirm, you have reached finder -a comparison and information service and not actually NRMA.
Yes, ridesharing cover is included in their comprehensive insurance. When you take out a quote, simply select ridesharing when asked if you use your vehicle for business purposes and this add the cover in your policy.
I hope this has helped.
Cheers,
Liezl