How much is NRMA car insurance?

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. NRMA doesn't publish a fixed price for its policies on this page. Your premium depends on factors like your age, location, driving history, the car you drive, and your chosen cover level and excess. Get a quote directly from NRMA, or compare it against other providers on Finder, to see what you'd pay.

Where can I find my excess amount?

Since every policy is a bit different, you can find the specific amounts and types of excesses that apply to you on your Certificate of Insurance.

Does NRMA cover EVs and Hybrids?

Yes, they cover electric (EV), hybrid, and plug-in hybrid (PHEV) vehicles, provided they meet the standard acceptance criteria.

NRMA Car Insurance Review

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Pros

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.

Cons

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.

Compare NRMA car insurance policy options

5 of 5 results

Finder Score	Accidental damage	Fire and theft	Hire car after theft
9.1 Excellent NRMA Comprehensive Plus Most Loved	9.1 Excellent	Standalone	If your car is written off in the first 3 years	Up to $100 per day - Up to 21 days	View details Compare product selectionCompare	loading
9.5 Excellent NRMA Third Party Property Damage Most Loved	9.5 Excellent	Standalone			View details Compare product selectionCompare	loading
9.3 Excellent NRMA Comprehensive Most Loved	9.3 Excellent	Standalone	If your car is written off in the first 2 years	Up to $75 per day - Up to 21 days	View details Compare product selectionCompare	loading
9.5 Excellent NRMA Third Party Fire & Theft Most Loved	9.5 Excellent	Standalone		Up to $65 per day - Up to 21 days	View details Compare product selectionCompare	loading
Not scored yet NRMA Comprehensive Basics Most Loved	Not scored yet	Standalone			View details Compare product selectionCompare	loading

Showing 5 of 5 results

Finder Score for car insurance

We analyse over 30 car insurance products across insurance providers, and rate each one for price and features. We collect up to 36 quotes per product, for male and female drivers in New South Wales, Victoria, Queensland, South Australia, Tasmania and Western Australia. Quotes are collected for 20 year olds, 30 year olds and 60 year olds, assuming an excess of $850 for a 2020 Toyota Corolla 4 door sedan model, with an average 15,000 kms driven each year. While we are not allowed to display actual quotes, our Finder Score aims to serve as an indicative guide to how cost and feature competitive a product might be for you.

Our feature score assesses each product for more than 15 features across loss and damage coverage, repairs and assistance coverage, personal items coverage and policy coverage. Features we assess include but are not limited to legal liability, essential repairs, new car replacement, car hire events, roadside assistance, agreed or market value, windscreen damage and natural disaster coverage.

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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.
NRMA doesn't publish a fixed price for its policies on this page. Your premium depends on factors like your age, location, driving history, the car you drive, and your chosen cover level and excess. Get a quote directly from NRMA, or compare it against other providers on Finder, to see what you'd pay.

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.

Thank you for your feedback!

Written by

Nicola Middlemiss

Journalist

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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

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Nicola has written 170 Finder guides across topics including:

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Personal insurance, including car, health, home, life, pet and travel insurance
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59 Responses

billMarch 14, 2017

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

Finder

ZubairMarch 16, 2017Finder

Hi Bill,

Thank you for your question.

You have contacted finder.com.au, 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,
Zubair

judyDecember 12, 2016

How much is comprehensive insurance for an under 25 yr old on a ford fiesta 2009?

Finder

RichardDecember 13, 2016Finder

Hi Judy,

Thanks for getting in touch. NRMA Car Insurance is currently not part of the panel of insurers we compare. You will need to go to NRMA directly for a quote.

All the best,
Richard

russellDecember 8, 2016

I pay my comprehensive car insurance monthly.If I ring to cancel it am I covered up until the next due date or is it cancelled from the date I ring up and I am refunded the difference?

Finder

RichardDecember 9, 2016Finder

Hi Russell,

Thanks for getting in touch. You may be able to choose the end date of your cover when you cancel your policy. You may also be able to be entitled to a refund any unused premium of your current policy period.

You will need to contact NRMA directly about this matter.

Cheers,
Richard

MicheleOctober 3, 2016

I have just purchased a second hand caravan 1977 for 3300.00 do you do insurance for this sot of van

Finder

RichardOctober 4, 2016Finder

Hi Michele,

Thanks for getting in touch. Finder is a comparison service and not an insurer. While NRMA is not part of the Finder panel of insurers, they do offer caravan insurance. You may want to read our caravan insurance guide to find out more about this type of insurance.

All the best,
Richard

EmmaAugust 14, 2016

My car was taken from my drive way one morning, I got out of the car pressed the buzzer to lock and walked towards front door, where I unlocked and walked in, little while later I started my house work open front door and seen my car was gone, I called police to report it, and about 40 mins later he rang back informing me my car had been in a accident and the driver was gone. I called NRMA and told them what had happened, and now after being accused of being the driver or paying someone to take my car, i have been left out of pocket and still don’t know whats happening with my now not so brand new car. is this unfair how i am being treated?

Finder

RichardAugust 15, 2016Finder

Hi Emma,

Thanks for your question. Finder is a comparison service and we are not permitted to provide our users with personalised advice. If you believe you were treated unfairly by your insurer, you should contact your insurer and go through their dispute resolution process. If after going through this process you are still unhappy with the result, please get in touch with the Financial Ombudsman Service.

You may also find the Insurance Law Service useful.

I hope this was helpful,
Richard

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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.

Pros

Cons