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NRMA car insurance review

NRMA car insurance offers decent benefits and a good range of customisations at a competitive price point.

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Our verdict


  • NRMA has plenty of cover options, ranging from CTP through to comprehensive plus.
  • If you sometimes drive for Uber or Didi, occasional ridesharing is covered.
  • Up to $800 in emergency repairs are covered under it's comprehensive policy. Most brands cover up to $500.


  • Personal effects are only covered Up to $500 under the standard comprehensive policy, but many brands cover up to $1,000.
  • There's no option to restrict drivers in return for a lower premium.
  • Paying your premiums monthly will cost you more in the long run.

Congratulations, NRMA!

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

Full list of 2023 winners

How does NRMA compare with other car insurers?

As part of our 2023 Car Insurance Awards, our insights team compared over 1,000 quotes from 37 different comprehensive car insurance policies.

NRMA performed above average, with only 10 brands scoring higher. Here's how NRMA compares to some other car insurers.


Name Product Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
NRMA Comprehensive
  • If your car is written off in the first 2 years
  • Optional
    Budget Direct Comprehensive
  • If your car is written off in the first 2 years or 40,000 km
  • 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.
    Youi Comprehensive
  • If your car is written off or stolen in the first 2 years
  • Finder's summary: The 2023 winner of our Best Features Car Insurance award. Plus, it's one of the only insurers to automatically include roadside assistance.

    Who it might be good for: Those who want good customer service with lots of inclusions.
    Bingle Comprehensive
    Optional add-on
    Finder's summary: Our data shows it’s the cheapest comprehensive policy. It just covers the basics such as damage to your car, theft and storms – it doesn’t go in for add-ons and extras.

    Who it might be good for: Those wanting a low-cost, no-frills policy.
    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.


    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.

    InsurerNSWQLDSATASVICWAAustralia averageApply
    NRMA logo$1,972$1,108$1,009$878N/A$1,052$1,204More info
    Budget Direct Logo$1,280$921$940$861$1,164$857$1,004Get quote
    youi$1,418$1,147$946$877$1,467$1,068$1,154Get quote
    Bingle car insurance logo$849$788$623$639$1,034$669$767Get quote
    AAMI$1,533$912$874$811$1,054$816$1,000More info

    About our car insurance methodology

    Customer reviews

    Compare NRMA car insurance policy options

    Name Product Accidental damage Roadside assistance Fire and theft New Car Replacement Hire car after theft
    NRMA Comprehensive
  • If your car is written off in the first 2 years
  • Up to $75 per day - Up to 21 days
  • NRMA Comprehensive Plus
    NRMA Third Party Fire & Theft
  • Up to $75 per day - Up to 21 days
  • NRMA Third Party Property Damage
  • loading

    NRMA car insurance policy options

    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.
    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.
    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.
    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.
    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.
    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

    Why you can trust Finder's car insurance experts


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    expert advice

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    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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    57 Responses

      Default Gravatar
      GrahameJanuary 25, 2024

      CTP Ins quote pls

        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.

      Default Gravatar
      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?

      Default Gravatar
      AdamJuly 24, 2019

      how much is uber rideshare car insurance?

        Default Gravatar
        NikkiJuly 24, 2019

        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.


      Default Gravatar
      ShafiqJuly 6, 2017

      Hi. Please advice, are you doing ride sharing insurance with comprehensive insurance?

        Default Gravatar
        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.

        I hope this has helped.


      Default Gravatar
      billMarch 14, 2017

      Buying a Toyota coaster motorhome 1995 lwb 1hz motor 6 cyl.
      How much for comprehensive insurance I am a pensioner

        ZubairMarch 16, 2017Finder

        Hi Bill,

        Thank you for your question.

        You have contacted, a comparison and information service and not actually NRMA Car Insurance.

        To get a quote for motorhome insurance, you will need to contact NRMA Insurance directly. If you would like to compare policies from the motorhome insurance brand in our panel, please head to our motorhome insurance page.

        All the best,

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