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

IreneMay 5, 2014

My son is just about to get his P’s could you please tell me the easiest was to insure his car, it’s only a small car Subaru impresa. Is it better for me to put it in my name and let him drive it and if (god forbid) he has an accident pay the extra excess. How much would the excess be. Or better to insure it in his name, regards Irene

HelenMarch 12, 2015

Hi I am 71years old and live 6 km from Dr. shops PO etc,. I have inherited a small car but I have no licence. How do I go about insuring my car
Cheers
Helen

Finder

RichardMarch 12, 2015Finder

Hi Helen,

Thanks for your question. You’ll need to get in contact with an insurer. You can do that by going online and obtaining a quote. For more about car insurance, please have a look at the following page:
https://www.finder.com.au/car-insurance

I hope this was helpful,
Richard

HelenMarch 12, 2015

Thanks Richard

Finder

WilliamMay 6, 2014Finder

Hi Irene,

Thank you for your enquiry for NRMA Car Insurance. Finder.com.au does not currently have access to this provider. You may wish to contact NRMA directly on 132 132 to discuss the policy options available.

Thank you and all the best.

JustinApril 12, 2014

Will I be covered by insurance with airbag suspension on my commodore

Finder

WilliamApril 15, 2014Finder

Hi Justin,

You may wish to contact NRMA directly to find out what modifications will be covered under the policy.

Thank you

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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