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
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.

Read the full methodology

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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

thonthoFebruary 19, 2015

Can I claim after my initial payment?

Finder

RichardFebruary 19, 2015Finder

Hi Thontho,

Thanks for your question. You are covered from the start date of you policy. You may want to contact NRMA directly for assistance with your claim.

I hope this was helpful,
Richard

MartyJanuary 8, 2015

Hi there,

Does NRMA comprehensive insurance cover a rental car in the USA?

Thanks Martin…

Finder

RichardJanuary 13, 2015Finder

Hi Marty,

Thanks for your question. Unfortunately, you will not be covered by your NRMA insurance while driving overseas. However, a travel insurance policy would cover you for driving while overseas. Please have a look at travel insurance guide to the USA.

I hope this was helpful,
Richard

NatashaOctober 19, 2014

Hi, I have a question about some information that was given to me by a friend and I just wanted to confirm if it is correct! I would like to know if NRMA has anything to do with SWANN INSURANCE? if they have a partnership?
Would really appreciate the feedback.
Thanks

Finder

RichardOctober 20, 2014Finder

Hi Natasha,

Thanks for your question. Both Swann Insurance and NRMA are part of the insurance group IAG.

Cheers,
Richard

NatashaOctober 20, 2014

Hi thank you for answering my question, but I am still not understanding. What do you mean by Swann and NRMA are part of an insurance group IAG?
Thank you

Finder

RichardOctober 21, 2014Finder

Hi Natasha,

IAG is a multinational insurance company, and both NRMA and Swann are subsidiaries. If you would like to read about the company history, check on IAG website.

I hope this was helpful,
Richard

MinAugust 6, 2014

Hi, I would like to ask that how much extra cost I have to pay if I upgrade my Comprehensive insurance with 14 days car hire to Comprehensive Plus Car Insurance with unlimited car hire option.
Looking forward to receiving your reply.

Finder

RichardAugust 6, 2014Finder

Hi Min,

Thanks for your question. Unfortunately, finder.com.au is a comparison website and so I am unable to give you a definitive answer as to how much it would cost to upgrade your policy. However, if you would like to get in contact with the NRMA, one of their consultants will be able to give you an answer.

You can contact them either by phone on 132 132 or via email by following this link and submitting your question on their contact us page.

I hope this was helpful,

Richard

SusanJuly 17, 2014

I just got a car insurance policy which I chose to pay annually. Now I want to shift to the monthly payment. How can I know the monthly installment amount so that I can make a final decision.

Finder

ShirleyJuly 17, 2014Finder

Hi Susan,

Thanks for your question.

Unfortunately we don’t have access to any personal information related to NRMA accounts.

Please speak to the customer service team at NRMA Car Insurance to find out what your monthly payments could potentially be.

Cheers,
Shirley

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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