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. 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.

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
Finder Score 9.1 Excellent NRMA Comprehensive Plus Most Loved	Finder Score 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
Finder Score 9.5 Excellent NRMA Third Party Property Damage Most Loved	Finder Score 9.5 Excellent	Standalone			View details Compare product selectionCompare	loading
Finder Score 9.5 Excellent NRMA Comprehensive Most Loved	Finder Score 9.5 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
Finder Score 9.5 Excellent NRMA Third Party Fire & Theft Most Loved	Finder Score 9.5 Excellent	Standalone		Up to $65 per day - Up to 21 days	View details Compare product selectionCompare	loading
Finder Score Not scored yet NRMA Comprehensive Basics Most Loved	Finder Score 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.
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.

Sources

Thank you for your feedback!

Written by

Nicola Middlemiss

Journalist

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 246 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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59 Responses

bindhuOctober 24, 2015

I have two car one 2013, other 2014, I am looking for together two car insurance

Finder

RichardOctober 26, 2015Finder

Hi Bindhu,

Thanks for your question.

If you would like to receive a quote from one of the providers in our panel, please head to our car insurance home page. Please make sure to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

I hope this was helpful,
Richard

JackMay 7, 2015

Do I still have a current car policy with you?

Finder

RichardMay 8, 2015Finder

Hi Jack,

Thanks for your question. finder.com.au is a comparison service and not an insurer. If you would like to contact NRMA about your car insurance policy, they can be reached by calling 13 11 22.

I hope this was helpful,
Richard

DebbieMarch 9, 2015

My car, building, contents is insured with NRMA so I get multi discounts on all items insured. If I make a claim on my car will this affect my other policy discounts?

Finder

RichardMarch 10, 2015Finder

Hi Debbie,

Thanks for your question. Apart from the no claims bonus, making a claim shouldn’t affect the other policy discounts. For example, any claims you make will not affect your Loyalty Discount level. For more information, you may want to contact NRMA directly.

I hope this was helpful,
Richard

MelissaFebruary 24, 2015

How much to I have to pay the hail repairer ?

Finder

RichardFebruary 25, 2015Finder

Hi Melissa,

Thanks for your question. Unfortunately, finder.com.au is a comparison service and not an insurer. If you would like to speak with NRMA about an existing claim or for more information about its cover, you can reach them by calling 1300 126 837.

I hope this was helpful,
Richard

AmyFebruary 19, 2015

Is mechanical failure covered under comprehensive insurance?

Finder

RichardFebruary 19, 2015Finder

Hi Amy,

Thanks for your question. According to the NRMA Comprehensive Car Insurance PDS, NRMA does not cover mechanical, structural, electronic or electrical failures.

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